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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

Mortgage protection insurance

Many of us take out a home insurance policy to protect our home and possessions but mortgage protection insurance can be just as important in the event that you cannot pay your monthly mortgage repayments through being unable to work.

Mortgage protection insurance can cover your monthly mortgage repayments in the event that you are unable to work due to an accident, sickness or unemployment.

A mortgage protection insurance policy can pay you a tax-free benefit worth up to 70% of your gross income to meet your mortgage and other financial commitments.

Financial commitments that you may wish to cover include:

  • Mortgage repayments
  • Council tax
  • Utility bills
  • Internet & TV subscriptions

How does mortgage protection insurance work?

A mortgage protection insurance policy is designed to meet your monthly mortgage repayments if you are unable to earn an income due to accident, sickness or involuntary unemployment.

With a mortgage protection insurance policy you can protect your mortgage payments against:

Accident and Sickness

If you suffer an injury or illness that stops you from working such as severe musculoskeletal problems or a heart attack you can claim on your mortgage protection policy to pay you a monthly benefit to subsidise your lost income.


If you are made redundant involuntarily and find yourself out of work you can make a claim on your mortgage protection insurance to support you whilst you look for a new job.

You can buy mortgage protection insurance policies that will cover both possibilities such as Accident, Sickness and Unemployment (ASU) cover.

Why would I need mortgage protection insurance?

For many people, taking out a mortgage is a landmark event in their lives and once on the property ladder it can secure your financial future. However there are many unfortunate circumstances outside of your control that could ruin what you have worked hard for.

You could find yourself made redundant involuntarily or suffer an accident or illness that could prevent you from working and earning your salary and ultimately paying your mortgage repayments.

With nearly 30,000 mortgage repossessions in the UK alone last year1, a mortgage protection insurance policy is designed to cover your mortgage ensuring you remain on the property ladder even if the worst happens.

What are the benefits of mortgage protection insurance?

Mortgage protection insurance can provide a safety net against a loss of income and can ensure your mortgage repayments are kept up-to-date.

If you have a mortgage protection plan in place and fall victim to an accident, sickness or involuntary unemployment then you can benefit from:

  • Tax-free monthly payments paid straight to your bank account
  • Receive up to 70% of your gross income
  • Backdate your payments to the day you stopped working
  • Payments received up until retirement age (accident & sickness only)
  • Support in looking for a new job if you are made redundant

The main benefit of a mortgage protection insurance policy is to protect your mortgage repayments and ensure you continue to live in your own home that you have worked hard for.

Compare mortgage protection insurance quotes with ActiveQuote

ActiveQuote is a leading income protection insurance specialist comparison website and broker that allows you to compare quotes and buy your policy online.

At ActiveQuote we work with the leading UK insurers to provide accurate, competitive mortgage protection insurance quotes. If you have any questions one of our team of product specialists can help you choose a policy that meets your budget and needs.

1 The Guardian, 2014

No.1 income protection broker as rated by customers

Very helpful and polite and always try their best to obtain the best quotes. Have been using them for the last 3 years and will continue to use them in the future.

Review centre member

A great service from the initial call, to finalising the agreement. I would highly recommend to my family and friends.

Review centre member

Proactive, efficient, and offered me insurance I need. I would say half price I would end up paying if I did it by myself. Many thanks.

Review centre member

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

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