Income and Injury Insurance2018-12-06T13:04:51+00:00

WE PAY YOUR BILLS IF YOU CAN’T

GET A QUICK QUOTE

What is Income Protection?

Income Protection is a long-term policy that replaces a percentage of your monthly income should you be unable to work due to injury or illness.

Essentially, we pay your bills if you can’t!

Many people think they have cover via their employer but it is worth checking this out.  Many Employers Liability products will only cover members for accidents at work whereas our policies cover work, home and play for both accidents and illness.

We can insure up to 70% of what you earn and cover an extensive list of illnesses, as well as injuries sustained at work, home and play.

For an affordable monthly premium we provide cover that protects you until you are able to go back to work or until you reach retirement age if you are unable to work again.

The one protection policy every working adult in the UK should consider is the very one most of us don’t have – income protection.

Why do I need Income Protection?

How would you pay your bills without it? 

Many people feel secure knowing that they have critical illness cover in place.  The reality is that this wouldn’t help to pay the bills if you had an accident or temporary illness.  This is what Income Protection Insurance was designed for.

Income Protection is the one insurance policy you need if you can’t afford to replace your income should you get sick or injured.

For example, if your cost of living was £2,000 per month and you fractured your upper leg and needed 5 months off work to recover, you would need to find £10,000 to pay your bills.  Just ask yourself where this £10,000 would come from when you are unable to work?

Statutory Sick Pay is just £92.05 a week, so state income for this 5 month period would be just £1,841 leaving you to find the remaining £8,159 that you need to live!

Why wouldn’t you consider protecting your income?

How do I get Income Protection?

We make Income Protection simple. In as little as 30 minutes, our insurance specialists can put forward your application and you can get back to enjoying life knowing you and your family are protected from anything life may throw at you.

Who we cover

We can provide cover for anyone working more than 16 hours per week including employed and self-employed roles.  We also cover high risk sports and occupations and additional accident and injury cover which can provide a tax free lump sum in the event of an accident.

If you do not see your sport or occupation listed, please give us a call, it’s highly likely we’ll still be able to provide you with cover!

  • Abattoir Worker
  • Abrasive Wheel Worker
  • Accountant
  • Accounts Administrator
  • Accumulator Repairer
  • Acoustic Engineer
  • Actuary
  • Acupuncturist
  • Administrator
  • Advertising (Executive, Assistant)
  • Advocate
  • Aerial Erector
  • Aerial Photographer
  • Agricultural Worker
  • Agronomist / Agricultural Scientist
  • Air Compressor
  • Air Condition Installer
  • Air Traffic Controller
  • Aircraft Cabin Crew
  • Aircraft Engineer
  • Alarm Fitter
  • Ambulance Driver / Paramedic/ Crew
  • Anaesthetist
  • Analyst
  • Antique Dealer
  • Antique Restorer
  • Arborist
  • Arc Welder
  • Archaeologist
  • Architect
  • Archivist
  • Artexer
  • Asphalt Worker
  • Assembler
  • Astronomer
  • Auctioneer
  • Audiologist
  • Auditor
  • B&B Proprietor
  • Baggage Handler
  • Bailiff
  • Baker
  • Barber
  • Barman / maid
  • Barrister
  • Beautician
  • Bill Poster
  • Blacksmith
  • Blind Supplier / Fitter
  • Boat Builder
  • Book Keeper
  • Bookbinder
  • Bookmaker (shop / office)
  • Breakdown Recovery Mechanic
  • Brewer
  • Bricklayer
  • Builder (and associated trades)
  • Bulldozer Driver
  • Bus Driver
  • Butcher
  • Butler
  • Cabinet Maker
  • Caddy
  • Calibrator
  • Call Centre Staff
  • Cameraman
  • Canine Beautician
  • Car Salesman
  • Car Valet
  • Care Assistant /Worker
  • Caretaker
  • Carpenter
  • Carpet Fitter
  • Carpet Maker
  • Cashier
  • Caterer
  • CCTV Engineer
  • Ceiling Fixer
  • Cementer
  • Chauffeur
  • Chef
  • Chemical Engineer
  • Chemist – Dispenser
  • Chemist – Other
  • Childminder
  • Chimney Sweep
  • Chiropodist
  • Chiropractor
  • Cleaner
  • Clergy
  • Clock / Watch Maker / Repairer
  • Coach – Life
  • Coach – Sports
  • Coach Driver
  • Coal Miner
  • Coastguard
  • Computer Designer / Operator
  • Computer Engineer
  • Concreter
  • Cook
  • Counsellor
  • Courier
  • Crane Driver
  • Curator
  • Custom Officer
  • Dance Teacher
  • Decorator
  • Delivery Driver
  • Demolition Worker
  • DentalNurse/Technician
  • Dentist
  • Derrickman
  • Dietician
  • Digger Driver
  • Dispatch Rider
  • Docker
  • Doctor (non surgeon)
  • Doctor (surgeon)
  • Doorman
  • Drainage Workers
  • Draughtsman
  • Dressmaker
  • Driving Instructor
  • Dry Stone Waller
  • Dustman
  • Editor
  • Electrician
  • Engine Driver
  • Engineer
  • Engraver
  • Equestrian Workers
  • Estate Agent
  • Fabricator
  • Factory Worker
  • Farm Worker
  • Farmer
  • Farrier
  • Fence Erector
  • Financial Adviser
  • Firefighter
  • Fitness Instructor
  • Florist
  • Forestry Worker
  • Fork Lift Truck Driver
  • Foundry Worker
  • Funeral Director
  • Furniture Maker
  • Furniture Removal
  • Gamekeeper
  • Gang Master
  • Gardener
  • Gas Installer
  • Gas Pipe Layer
  • General Practitioner
  • Geologist (Not off shore)
  • Glass Blower
  • Glass Cutter
  • Glazier
  • Goldsmith
  • Golf Professional / Coach
  • Graphic Designer
  • Grave Digger
  • Greenkeeper
  • Grocer
  • Groom
  • Ground Worker
  • Guest House Proprietor
  • Gym Instructor
  • Hairdresser
  • Handyman
  • Harbour Master
  • Haulier
  • Head Teacher
  • HGV Driver
  • Home Help
  • Horticulturalist
  • Hotel Manager
  • House Keeper
  • IT Consultant
  • IT Engineer
  • IT Manager
  • Jeweller ( retail)
  • Joiner
  • Journalist
  • Judge
  • Kennel Hand
  • Laboratory Technician
  • Labourer
  • Lecturer
  • Legal Executive
  • Librarian
  • Life Boatman
  • Life Guard
  • Light Goods Vehicle driver
  • Linesman
  • Locksmith
  • Lumberjack
  • Machine Operator
  • Maintenance Engineer
  • Manicurist
  • Market Gardener
  • Market Trader
  • Mason
  • Mechanic
  • Merchant Navy
  • Metal Industry Worker
  • Meteorologist
  • Midwife
  • Milkman
  • Miner
  • Mini Cab Driver
  • Mortgage Advisor
  • Nanny
  • Nuclear Engineer
  • Nurse
  • Nursery Nurse
  • Occupational Therapist
  • Offshore Worker
  • Oil Rig Worker
  • Optician
  • Orthodontist
  • Osteopath
  • Paint Sprayer
  • Painter
  • Painter & Decorator
  • Panel Beater
  • Paramedic
  • Pastor
  • Paving Contractor
  • Personal Trainer
  • Pharmacist
  • Photographer
  • Physician
  • Physiotherapist
  • Piano Tuner
  • Picture Framer
  • Plant Operator
  • Plasterer
  • Plumber
  • Podiatrist
  • Policeman
  • Porter
  • Postman
  • Printer
  • Prison Officer
  • Production Manager (non manual)
  • Psychiatrist
  • Psychologist
  • Publican
  • Publicist
  • Publisher
  • Quarry Worker
  • Race Horse Trainer
  • Radiographer
  • Radiologist
  • Railway Worker
  • Receptionist
  • Refuse Collector
  • Retail Assistant / Manager
  • Riding Instructor
  • Road Sweeper
  • Roofer
  • Sales Representative
  • Scaffolder
  • Scrap Dealer
  • Secretary
  • Security Guard / Officer
  • Sewing Machinist
  • Sheet Metal Worker
  • Shoe Repairer
  • Shop Assistant / Keeper
  • Shop Fitter
  • Shot blaster
  • Signalman
  • Signwriter
  • Social Worker
  • Solicitor
  • Sports Coach
  • Spray Painter
  • Stablehand
  • Steel Fabricator / Worker
  • Steeplejack
  • Stockbroker
  • Store Detective
  • Support Worker
  • Surgeon
  • Surveyor
  • Tailor
  • Tarmac Layer
  • Taxi Driver
  • Teacher
  • Telephone Engineer
  • Telesales
  • Television Editor
  • Thatcher
  • Tiler
  • Tool Maker
  • Tour Guide
  • Traffic Warden
  • Train Driver
  • Travel Agent
  • Tree Surgeon
  • Truck Driver
  • Undertaker
  • Upholsterer
  • Valet
  • Van Driver
  • Veterinary Nurse
  • Veterinary Surgeon
  • Vicar
  • Waiter / Waitress
  • Warehouse Man
  • Weaver
  • Welder
  • Window Cleaner
  • Window Installer
  • Football
  • Mountain-biking
  • Cricket
  • Surfing
  • Hockey
  • Golf
  • Tennis
  • Judo
  • Skiing / snowboarding
  • Horse riding
  • Roller Derby
  • Windsurfing
  • Rowing
  • Lacrosse
  • Triathlons
  • Basketball
  • Gymnastics
  • Wakeboarding
  • Athletics
  • Cyclo-cross
  • Badminton
  • Gaelic football
  • Fishing
  • Archery
  • Cycling
  • Shooting
  • BMX
  • Sailing
  • Kayaking / canoeing
  • Ice hockey
  • Abseiling
  • American football
  • Boxing
  • Coasteering
  • Downhill mountain-biking
  • Kitesurfing
  • Paragliding
  • Scuba diving
  • Water-skiing
  • Boxing
  • Hang gliding
  • Caving
  • Potholing
  • Rock climbing
  • Free climbing
  • Mountaineering
  • Bouldering
  • Rallying
  • Karate
  • Showjumping
  • Eventing
  • Polo / Polocrosse
  • Point-to-point racing
  • Hunting
  • Speed Flying
  • Jet Skiing
  • Waterskiing (competitions)
  • Wakeboarding (competitions)
  • WiSBASE
  • White-water rafting
  • Free diving
  • Extreme swimming
  • Big wave surfing
  • Offshore sailing
  • Powerboat racing
  • Jujitsu
  • Kung Fu
  • Tai Kwon Do
  • Savate
  • Sepak Takraw
  • Jai Alai
  • Para motoring
  • Microlight
  • Competition water-skiing
  • Bobsleigh
  • Luge
  • Sand-sailing
  • Parkour
  • Street luging
  • Provides income if you can’t work due to illness or injury

  • Covers dangerous sports and occupations

  • No medical required

  • Reliable with a 97% pay out rate

  • Back to day one payments

Sports we specialise in

Our Income Protection is  5 star rated

FOR IMMEDIATE PROTECTION AND PEACE OF MIND

GET A QUICK QUOTE
CALL 0333034402468