Income protection
to pay your bills
when you can’t.

  • Cover for accidents and illness

  • High-risk occupation and sport options

  • Cover available with no medical

The help you need to cope financially

Income protection insurance will provide you with financial support, ensuring you have money coming in if you can’t work due to an accident, sickness or sports injury. 

Is it like life or critical illness cover?

No. Income protection cover fills the gap between life and critical illness cover, making sure you have money coming in if you can’t work for a while due to an accident, sickness or sports injury.

What we do

Everyone’s different. We’ll take time to understand you then tailor your cover accordingly.  We have specialist policies for extreme sports or hazardous occupations.

We’ll work it all out – for free. We do all the complicated calculations for you and turn it into one simple monthly or annual price.

Quick and easy. You can get covered in no time, we take care of the application process for you.

How it works

How it works

We get to know you

We undertake a simple fact-find to understand you, your needs and what key policy features are important to you.

We compare the market

We do the hard work to locate suitable products from the market before explaining these to you.

We apply on your behalf

Once you’ve chosen a product, we complete all of the application paperwork on your behalf.

Cover that’s as unique as you

If you can’t work due to illness or injury, we can help you pay your bills until you’re back on your feet. Whether you have a high-risk job or are passionate about extreme sports, we’ll tailor your cover to you – without charging any fees or adding to the cost of your premium.

What our customers are saying.

I think that the service provided has been exceptional.
I was well informed about everything and it has all been very easy to sort out, I couldn’t be happier to recommend!

Michael Owen. Chester

Perfect for what I wanted! The lady took the time to explain everything and didn’t push things on to you. I could not have asked for a better experience and would recommend it to anyone, top job keep it up!

Trusted Customer.

Excellent! The whole process was made really easy and the agent was very informative and helpful.

Aaron Matthews.

Answers to your questions.

Income protection pays a regular income if you can’t work because of sickness or injury and continues to be paid until you return to paid work or you retire. This type of insurance provides financial security with a monthly payment of up to 65% of your gross income (i.e. earnings before tax).


We can provide everyone with tailor made cover by searching the whole market to find you the best deal that suits your needs, saving you time and bringing down the overall cost of your premium.

Income Protection will pay you an income if you have an accident or fall ill.  If you don’t have any sick pay from your employer or you are self-employed, Statutory Sick Pay is just £95.85 per week (£383.40 per month).  Income Protection will provide up to 65% of your net income (i.e. earnings after-tax) in the event that you are unable to work.


Yes you do.  Life cover will pay out a benefit if you die but it won’t support you in the event of a temporary loss of income.  Income Protection does just that, if you have an accident or fall ill, the policy will pay you an income until you are well enough to return to work.

Our insurance partners will insure most sports and pursuits.  We can arrange cover for dangerous sports such as Rugby, Football, Motorcycle Enduro Riding, Motorcycle Track Days, Equestrian Events, Sailing, Skiing and many other sports.

Our insurance partners will insure most occupations including dangerous roles such as working at height, construction and engineering, off shore roles and even aviation.  Additionally, we are able to obtain bespoke packages for the armed forces, commercial pilots and security service staff.

The cost of cover varies according to the type of cover you require and will depend on a variety of factors, including your age, occupation, any pre-existing medical conditions and specific benefit required. All our policies are tailor made and are offered at the best price possible.

Yes, we can refer you to a third-party team of financial experts at Mallory Financial Limited. If you’re looking for a mortgage, a loan or protection, their friendly advisors will work with you to find the right solution for you.

Getting your application started is quick and simple. A ten-minute call with one of our experts it all it takes for us to understand what you’re looking for. We will then apply on your behalf.

There are different ways you can start the process.

For your immediate online income protection quote, click HERE.

To speak to someone about your needs and to ensure you receive the protection that is right for you, call one of our friendly advisors on 0333 355 2468.

Or book an appointment HERE

We will do everything we can to get you covered quickly. It is possible to set up short-term protection on the same day, if you have a clean medical history.

The process may take a bit longer if you are looking for long term protection or if you have pre-existing medical conditions.

There are not costs associated with applying for income protection cover, even if you decide that what we are offering isn’t right for you.

Any insurance offer that we are able to provide needs to consider any medical conditions that you may have.

It is imperative that you are honest about your medical history and that you inform us of any pre-existing medical conditions.   Our insurers can cover most medical conditions (including Diabetes) but premiums may increase in line with any conditions that you may have.

Our insurers can cover most medical conditions (including Diabetes) but premiums may increase in line with any conditions that you may have.

Yes. Our insurers will cover most medical conditions (including Diabetes). Each insurer may treat pre-existing conditions differently however so it is best to give us a call to determine which may be the most appropriate option for your circumstances.

Insurance costs may increase if you are a smoker.  It is important to declare if you smoke to ensure that your policy is reliable if you need to make a claim.

Income Protection is an insurance that clients usually buy in order to provide a long-term peace of mind.  Clients frequently purchase a policy to provide financial security alongside a long-term financial commitment such as a mortgage or a loan. 

All policies have a minimum cover period that can be tailored to protect you for a certain period of time (i.e. until a mortgage or loan is re-paid).  The cost of cover can be fixed if you plan ahead and inform us how long you plan to keep your cover in place.

Income Protection is completely flexible and can be changed at any time during the life of your policy.  It is really important that you contact us to update your policy if your circumstances change.  Common changes may be if your salary increases or decreases to ensure the amount of salary insured is accurate and makes any claim easy to process should you have an accident or fall ill.

Many of our Income Protection providers understand that, from time-to-time life can throw us a curve ball.  Don’t panic, we’re here to help and many policies can be put into “payment holiday” status until you get back on your feet.  Whilst you wouldn’t be covered for accident or sickness cover during this time, it does mean that you don’t have to re-apply for cover once you find new employment.

Yes, you can cancel your policy at any point in time.

Please call our helpline on 0333 355 2468 or alternatively, write to us at:

Customer Services Team
Protect My Income
Mallory House
Goostrey Way
WA16 7GY

Claims are made directly with the insurance provider and a quick call to the claims handling team is all it should take to get the ball rolling.

If you would like a little extra guidance we are on hand to help, please give our customer support team a call on 0333 355 2468.