Income Protection

A regular replacement income if you’re unable to work because of illness or injury.

Income protection refers to a family of insurance products which ensure you can continue to meet your financial commitments if you are forced to take an extended break from work.

If you can’t work because you’ve had an accident or fallen sick through no fault of your own, income protection insurance pays you an agreed portion of your salary each month. You can then use the money to cover debt repayment, bills and other costs. Income protection is especially useful for people working in dangerous industries who want to be sure their mortgage will always be covered.

Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.

Accident and sickness

Payment protection insurance

Mortgage payment protection insurance

In order for us to get the best possible quote, we’ll need to know more about you. The type of things we will ask include:

Information about your health 
Insurers will need details about you and your family’s health and medical history, including pre-existing medical conditions.

Information about your lifestyle
Insurers will also ask about your lifestyle habits, including whether you smoke and drink.

Your age and occupation
The younger you are when you take out a policy, the cheaper it’s likely to be. Your occupation can also affect how much you pay.

Your partner’s details
If you want joint cover, you’ll need to have your partner’s health and lifestyle details to hand, as well as their occupation.