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Income Protection Insurance

Keep your finances healthy as you recover from illness or injury.

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Defaqto 5-star rated cover

Our award-winning Income Protection Insurance pays you a monthly tax-free income until you're well enough to go back to work, which you can use to help pay your bills, mortgage or medical costs. Even if you can't go back to work, we'll pay you an income for the rest of your policy term.

When you suffer a serious illness or injury, the last thing you should worry about is how you’ll pay the bills while you’re off work. After all, what if your sick pay should run out while you’re still recovering? 

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Income Protection Insurance features

Here are just some of the benefits our Income Protection Insurance offers:
  • Award winning cover

    our Income Protection Insurance has been awarded five stars by Defaqto.

  • Receive fast payouts

    we start paying as early as seven days after you stop working.

  • Be covered until you make a full recovery

    we keep paying until you’re ready to go back to work.

  • Receive a back-to-work cash bonus

    to help ease your path back to full-time work, we’ll give you a cash bonus to help cover any extra costs.

  • Cover and rewards from £1.10 per day

    with our exclusive discounts and rewards, we'll help keep you healthy from day one, so you'll always get something back whether you claim or not. Premiums charged monthly. 

40% off monthly gym fees

Gym discount available at participating Virgin Active, Nuffield Health Fitness & Wellbeing or David Lloyds Clubs. Minimum monthly premiums and terms and conditions apply. 

Having the right footwear is key to enjoy activity to the full and to prevent injury. That's why we also partner with Runners Need to offer 50% off a pair of running shoes. Offer applies to one pair of running shoes every year.


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Our personal protection options

We offer a range of award-winning insurance plans that protect you and your future. To find out more about our different life insurance products, choose the option that best suits your needs.

  • Life Cover

    Pays a cash lump sum if you die.

  • Serious Illness Cover

    Pays a lump sum if you're diagnosed with one of the conditions we cover.

  • Income Protection Insurance

    Pays you a monthly income if you get sick or injured and can't work.

  • Mortgage Protection Insurance

    Helps you to pay your mortgage if you get ill and can't work.

Income Protection Insurance frequently asked questions

Your questions answered.

Why do I need Income Protection Insurance?

It helps to make sure you don't fall behind with your monthly bills – like your mortgage – if you’re ever off work due to illness, injury or disability.

When should I get covered?

You can take out Income Protection Insurance anytime, but most people tend to think about taking out a plan when they’re changing jobs, getting married or starting a family.

Can I get Income Protection if I'm self-employed?

You can choose from any of our plans. But, to give you greater financial security, you can also choose to start receiving payouts from as early as seven days. For many conditions, we’ll also backdate the payment so you get paid for those seven days, too.

How much does Income Protection cost?

Your premium will depend on factors like your age, medical history, your occupation, alcohol consumption and whether you’re a smoker. 

Making the right choice

Explore our different insurance options to see which one’s right for you.
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Get our best savings and rewards

Discounts, savings and rewards.
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