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Cheap Income Protection

Cheap income protection is designed to pay you a monthly benefit if you cannot work because of accident, illness or involuntary unemployment.

ActiveQuote offers cheap income protection quotes online in less than two minutes to help you find income protection insurance with the right level of cover at the most affordable price. Simply let us know what you are looking for in a policy and you can compare the cheapest income protection cover from leading UK providers- you can even buy your chosen policy instantly online.

Cheap income protection

In the UK there are two main types of income protection: short term income protection (also known as Accident, Sickness and Unemployment insurance) and long term income protection. With ActiveQuote, you can compare both types of policies side by side online to find the best one for your circumstances and budget.

Short term

Short term income protection policies will only pay out for a maximum of 12 months, but usually cover redundancy as well as illness and injury. These plans are often the cheapest income protection because of their shorter benefit term. However, you should bear in mind that your payments will stop after 12 months regardless of whether you are able to return to work after this time.

Long term

Long term policies are usually not the cheapest income protection insurance plans, but they offer the best level of cover. A long term policy can pay out until retirement age if needed, so if you are unable to return to work you could be protected until age 65. Someone who has been off sick for 6 months or longer has an 80% chance of being off work for 5 years, so a long benefit term could be a sensible investment.

For more information on cheap income protection insurance and how it works, take a look at our income protection FAQs.

Finding the cheapest income protection

Because income protection is a flexible product, it is easy to create a cheap income insurance plan to suit your needs and your budget. Ways to find the cheapest income cover include:

  • Take out a policy earlier: Generally, the younger you are the cheaper your premiums will be because you are less likely to make a claim.
  • Protecting less of your income: Many income protection policies will pay you up to 70% of your income when you come to claim. For the cheapest income protection, insure a lower portion of your salary.
  • Increase your waiting period: The waiting period is the amount of time between stopping working and your policy paying out. Choose a longer waiting period for cheap income protection insurance.
  • Decrease your benefit period: Cheap income protection policies often pay out for a maximum of 12 months.

Other factors that could affect the cost of income protection include your age, your smoker status, your current health and your occupation. Women have traditionally had to pay more for their income protection because they are more likely to make a claim, but from the 21st December 2012 insurers will no longer be able to base premiums on gender.

Compare cheap income protection quotes

As you can see from above, there are many ways you can tailor your income protection plans to create a policy within your budget. But with so many insurers on the market, including Legal & General, Aviva and Friends Life, it can be hard to know where to begin.

Luckily, it is easy to compare cheap income protection quotes with ActiveQuote. Our comparison system offers quotes from the leading UK insurers in less than two minutes which you can compare online and buy online. Benefits of using us include:

  • Cheap income protection quotes from leading UK insurers
  • Tailor your quotes online to fit your budget
  • Buy your cheap income cover instantly.

For more information on our service or to get quotes, take a look at our income protection insurance page.

Cheap Income Protection Insurance Quotes | Income Protection | ActiveQuoteCompare cheap income protection insurance quotes online in under two minutes from all leading UK insurers, including Aviva, Legal & General and Friends Life.    tweet it on twittershare with your friends on Facebookshare with your friends on MySpaceBlog it on your LinkedIn profile

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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