Cover that works, when you can’t

An income protection plan can help you recoup lost earnings until you’re back on your feet.


Who would pay the bills if you can’t work?

Some people go through their entire working life without having to take as much as the odd sick day, while some of us seem to pick up every cold and cough going.

Why income protection?

Why income protection?

If you can’t work because you’ve suffered an accident, become sick, or lost your job, an income protection policy pays part of your salary each month.

An income protection policy can help:

  • Stay on top of regular outgoings like a mortgage or bills
  • Minimise money worries whilst you get back on your feet
  • Get back to work sooner with additional support

Popular income protection options

Accident & sickness

Accident & sickness

Pays a part of your monthly outgoings if you’re unable to work because of serious illness or injury.



Provides a safety net if you’re made redundant, covering 50-60% of your monthly salary.



The most complete policy type, pays out if you are unable to work through no fault of your own.

Common income protection questions, answered

Yes, there are income protection policies designed for people who are self-employed. There may be some slightly different terms, do you can get cover being self-employed.

Income protection is designed to cover a short-term period of being unable to work. Most policies will pay-out for 12 months, or up to 24 months in some cases.

The amount you claim will not replace the amount you earn, the pay-out you receive is based on 60% of your monthly income, before taxes. In some cases there may be a cap applied to the monthly pay-out.

No, you can’t be unemployed when taking out an income protection policy, you must be working for 16 or more hours a week.


QuoteSearch is changing protection for good.

Track your quotes and get real-time updates from providers as your circumstances change or new offers become available to you.

Unsuitable cover can leave you underinsured and with a policy that won’t pay out. Life can be complex enough at times, without the worry of your insurance not being there for you when you need it.

Get the protection you deserve


Life Insurance

Most people consider taking out a life insurance policy when they either take out a mortgage on a property or have children.

  • Joint or single policies are available
  • Leave a lump sum for loved ones
  • Cover mortgage or other debts
  • Only pays out once, on death

Income Protection

Income protection is designed to help you continue to meet your financial commitments if you are unable to work a period of time.

  • Payouts are typically 50%-70% of earnings
  • Doesn’t cover being fired or purposely injured
  • You can get cover being self-employed
  • You can make multiple claims

Private Medical Insurance

With NHS waiting times high – knowing you’ll get quick treatment for an acute condition can provide much-needed peace of mind.

  • No upper age limit for cover
  • No medical examinations required
  • Choose between private or NHS treatment
  • Get the right treatment when you need it

Critical Illness Cover

Critical illness cover provides a tax-free lump-sum payment if you are diagnosed with a covered condition.

  • Cover for heart attacks, strokes and more
  • Pre-existing conditions are not covered
  • Add children for added peace of mind
  • You can only make one claim per policy

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