Protect yourself against a fall in earnings between your policy starting and the time of your claim. You can protect up to £2,000 a month of your main benefit by submitting proof of earnings within 3 months of your policy starting.
Income Protection is a type of insurance which aims to help you keep some money coming in if you can’t work due to sickness or injury.
If you’re worried about how you would continue to pay your bills or continue to afford your lifestyle if you couldn’t work, it could be something for you to consider.
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A back to work benefit which is a proportionate benefit if you return to work on lower earnings than before.
An accidental death benefit option - if you select this option and die as a result of an accident within 30 days of that accident, we'll pay a lump sum equating to 1 or 2 years' main benefit, whichever you choose when you apply.
An option for increased cover each year, to take account of inflation and increases in your earnings. Your payments will increase to reflect the higher cover.
No need to make any payments whilst you are receiving benefit from us.
Get a QuoteTo apply for a policy you have to be:
You can choose benefit amount of between £500 and £6,000 a month in £10 monthly increments. The benefit you choose cannot exceed 70% of your earnings when your policy starts and we’ll check this when you claim.
This policy is designed to cover policyholders living and working in the UK. It will also cover claims which start whilst you’re in a country in the European Union, or in a limited list of other countries which can be found in the Policy Conditions.
If you’ve been working less than 16 hours a week for more than 3 months when your injury or illness starts you will not be eligible for the main benefit. But you may be entitled to our contingency benefit.
Your policy comes with free access to our virtual GP service. It’s called Friendly GP and it can be accessed over the phone or online 24 hours a day, 7 days a week.
We’ll give you the full details when you take out a policy or you can go to our Existing Members page to find out more.
If you are looking to make a claim, please head over to our Claims page. There you will find more information on how to contact us and how we can help guide you through the process.