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Income protection insurance

Protect your income against accident, sickness and involuntary redundancy and receive a monthly benefit if you are unable to work.

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Redundancy insurance

Receive a tax-free monthly benefit if you are made redundant involuntarily. Protect up to 65% of your gross income with a benefit paid for up to 12 months.

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Accident & sickness insurance

Safeguard your income if you are unable to work due to illness or injury with policies designed to cover you right up to retirement age.

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Mortgage protection insurance

Protect your family home if you are unable to work with an income protection policy designed to cover your mortgage payments and associated costs.

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Information Guides

Why ActiveQuote?

Income Protection Insurance

Income protection insurance is designed to replace your income should you be unable to work due to illness or accidental injury.

ActiveQuote's income protection comparison system offers free income protection insurance quotes online in less than two minutes, to help you find affordable income protection for accident, sickness and unemployment. With ActiveQuote you can compare income protection quotes from leading UK insurers to find the best policy for your budget.

Why do I need Income Protection Insurance?

Half of the UK population would survive financially for just 17 days should they suffer unexpected loss of income. Ask yourself the following questions:

  • Would state benefits allow me to maintain my current lifestyle?
  • Could I live off my partner’s income indefinitely?
  • Do I have savings I could live off indefinitely?

If the answer is no to any of the above, then you should probably consider comparing online income protection insurance quotes.

What does Income Protection cover?

With UK income protection insurance, you will not need to use your savings or rely on state benefits if you are unable to work. People take out income protection cover for a number of different reasons, including:

  • To protect the cost of mortgage or rent payments
  • To protect their loan, credit card or car finance payments
  • To meet their monthly commitments, like utility bills, food bills or internet
  • To protect their general lifestyle like holidays, school fees or gym membership

What types of Income Protection Insurance are available?

Income insurance can be divided into long-term policies and short-term income protection policies. The kind of income protection policy you need will depend on how long you require your cover to pay you an income.

Long term income protection

Long term income protection cover will provide you with a regular tax free income if you can’t work because of an illness or disability. Long term income insurance will continue to pay out until you can get back to work or until the end of the policy term, which is usually retirement. Long term policies are very flexible- our income protection comparison system will let you tailor your online income protection quotes to suit your needs and your budget.

Short term income protection insurance

Short term income protection cover is designed to cover periods of temporary unemployment and incapacity, or to meet the cost of a specific debt. Short term policies will generally pay out for 12 months rather than until recovery or retirement. There are three types of short term income protection:

  • Accident, Sickness and Unemployment (ASU): Pays a tax free monthly income for a maximum of 12 months if you were off work due to sickness, accident, or unemployment.
  • Mortgage Payment Protection Insurance (MPPI): Gives a monthly payment to meet mortgage and mortgage related expenditure in the event of accident, sickness and or unemployment.
  • Payment Protection Insurance (PPI): Covers credit repayments, such as loans or credit cards if you were unable to work due to accident, sickness or unemployment.

ActiveQuote will compare both long term and short term UK income protection policies to help you find the best income insurance protection quote to suit your needs and budget.

No.1 income protection broker as rated by customers

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 Monthly price based on non-smoking 24-year-old male, £833 benefit for Accident and Sickness cover for ten years, postcode CF10 5FL. Price accurate as of 04/04/14.


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