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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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Income protection insurance

Income protection insurance covers your outgoings if you’re unable to work due to an accident or illness or if you’re made redundant. It takes away the worry of being unable to pay the bills at a time when you need to focus on your health or on finding a new job.

What is income protection insurance?

Income protection insurance (IPI) protects against loss of income by providing you with a tax-free salary for a specified length of time if you can’t work. This could be because of sickness or following an accident, whilst you can also take out income protection in case of redundancy.

You can compare income protection insurance to make sure you have the right cover for your lifestyle and your circumstances. For example, you can choose between short term income protection, which typically provides cover for between six and 12 months, and long term IPI, which covers you in the event of you being unlikely to work again.

How does income protection work?

Income protection can be a lifeline if you choose your cover wisely and ensure it reflects your own individual needs. As with other forms of insurance, such as car and home insurance, the cost of policies differs depending on a number of factors, such as your job, the length of time you’ve been in continuous employment, whether you work full time or part time, your residential status and whether or not you smoke (including e-cigarettes). In general, the lower the cover, the lower the monthly premiums.

When comparing income protection policies, you’ll be asked to choose between accident and sickness protection only, unemployment protection only or comprehensive income protection, which covers both. Note that, in the event of a successful claim, there might be a deferred or ‘wait’ period before the initial payment is made. This can be from one month to up to a year, so it’s essential to check your policy details to know how long you would have to meet the bills for before the cover kicks in.

What type of premium do I need?

There are generally three options when it comes to your IPI premium; guaranteed, reviewable and age-related policies.

A guaranteed premium will not change unless you make changes to the policy, affording you peace of mind about the monthly payment and often proving the cheapest option in the long run.

The price of a reviewable premium can appear attractive initially but it can be reviewed after a set period and is likely to increase in the long term. Again, age-related premiums seem cheap to start with but rise each year, so make sure you know at the outset what future charges will be.

The cost of your policy will also be affected by the occupation class included in your cover, so again make sure you opt for the right class for your needs. The three main classes are own occupation, suited occupation and any occupation.

Choosing an own occupation policy covers you in the event you can’t perform your own specific job. It can be the right choice if, for example, your job depends on you being physically active and an accident leaves you unable to walk, but it’s likely to have the highest premium.

Suited occupation cover policy pays out if sickness or an accident means you can no longer perform a job that matches your skills and experience, whilst any occupation IPI insures against being unable to work at all and is often the cheapest.

What are the benefits of income protection insurance?

Without IPI, there are other ways to pay the bills such as accessing an occupational sick pay scheme or Statutory Sick Pay (SSP), applying for disability benefits or using your savings. However, not all employers offer a sick pay scheme, whilst even maximum benefits often do not match a claimant’s full salary.

The benefits of having income protection include:

  • Mortgage payment protection
  • Loan payment protection
  • The ability to pay utility bills, council tax and food bills if you can’t work
  • Peace of mind that you can look after dependents
  • The ability to maintain your standard of living
  • Up to 70% of your gross monthly salary paid straight into your bank account
  • Not having to dip into savings
  • Cover for the value of employment benefits (known as P11D benefits), such as a company car and health insurance
  • An income whilst you look for a new job following involuntary redundancy

How do I buy income protection?

The best way to make sure you’re getting the right policy for you is to compare income protection insurance from a number of providers. We are one of the UK’s leading comparison sites and we also partner with, Gocompare and uSwitch to bring our customers the best cover at the right price.

When you compare IPI with ActiveQuote you will be asked a short series of questions, starting with whether you would like to protect your income, mortgage, loan or credit repayments or other outgoings. You will also be asked if you want the policy to run for a fixed number of years or until you retire, and what your expected retirement age will be.

You will also need to list your gross income and any employer benefits and choose the amount you would like the policy to pay each month in the event of a successful claim, as well as filling in details including your name, date of birth, postcode and whether you smoke.

Why compare income protection insurance with

In addition to providing quote comparisons online, we offer free, impartial specialist advice over the phone when needed. We are an independent and unbiased insurance broker and work with a panel of leading insurers including:

  • Aegon
  • Aviva
  • Bright Grey
  • Legal & General
  • LV=
  • Scottish Provident
  • VitalityLife
  • Zurich

No.1 income protection broker as rated by customers

Excellent service. Explained everything in detail and really helped to find the right insurance best suited to my needs - which wasn't necessarily the most expensive. 

Review centre member

Good value and the advisor was very helpful and recommended the best policy for my grandson. I would definitely use this service again and recommend to others.

Review centre member

We were contacted in good time to make a knowledgable choice. We were given plenty of options with lots of information to enable us to make the right choice.

Review centre member

The service I received was excellent, the staff member was very efficient and knowledgable. She went out of her way to get the best policy for me.

Review centre member

Great service. I really appreciated the help provided by Active Quote to arrange health insurance. The agent was very informative and proactive. Many thanks!

Review centre member

I received excellent care and attention from the first phone call till the last. Friendly, efficient and patient.

Review centre member

Staff are very helpful, friendly and polite. They call back when they say they will and keep you up to date with progress. Pleasure to deal with.

Review centre member

Very polite and friendly, and gave detailed explanations of all aspects of the cover. Reassuring to know that if you do have a problem there is someone you can contact.

Review centre member

Friendly and efficient. Nothing was too much trouble even when i needed to make a small change, excellent service.

Review centre member

The advisor was incredibly helpful and fully explained the differences between the policies. I really liked the fact that I was put under no pressure.

Review centre member

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 Monthly price based on non-smoking 25-year-old with £1250 monthly benefit for accident and sickness for 35 years, postcode CF11 0SN. Price accurate as of 14/11/16.


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