Frequently asked questions

Please click on a question to see the answer. If you still need help please call us on 0333 355 2468.

Applications can be made by calling our team on 0333 355 2468 or by completing the contact us form on https://www.protectmyincome.com/get-quote/

We make best endeavours get all clients on cover as quickly as possible.

Cover can usually be arranged in under 24 hours if you have a clean medical history.  In the event that we have questions about any pre-existing conditions this can take longer but we do keep clients informed as the insurers review our client applications.

Protect My Income work with the top insurers in the UK and we have selected our panel of insurers based upon the quality of their products.

We are 5 Star Defacto rated and we are committed to being able to provide Short-Term (12 month) and Long-Term (to retirement) policies that cover our clients when they are at working, at home and participating in sports and hobbies.

We also pride ourselves on our levels of customer service.  You can call our offices 5 days a week on 0333 355 2468 to discuss your needs.  Once you have cover with us, it’s likely that the sales agent will provide you with their mobile number meaning that you will be able to query your cover at any time of day or night.

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
Mobberley
Cheshire
WA16 7GY

When you take out a mortgage or high-value loan, you’re financial adviser is likely to have advised you to take out Critical Injury insurance cover.  This is due to the fact that should the worst happen, it is necessary to ensure that your loved ones still have a home to live in.

Income Protection is insurance that is aimed at providing you with an income if you have an accident or fall ill.  Which Magazine recently stated that “Income Protection Insurance is the one protection product every working UK adult should consider buying” (https://www.which.co.uk/money/insurance/income-protection-and-ppi/income-protection/income-protection-explained-aum068h7cqr3).

Income Protection insurance is there for short term or long term injury or illness cases.  In these scenarios Critical Illness or Life Insurance products may not pay out but you could still suffer significant hardship if you are unable to work for a period of 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
Mobberley
Cheshire
WA16 7GY

Making a claim is simple, just call our dedicated helpline on 0333 355 2468 and we will send out a claim form for completion.

Many employers don’t operate Occupational Schemes to provide sick pay if you are unable to work.  In these scenario, it’s likely that you would be referred to the government Statutory Sick Pay (SSP) scheme.

We speak with countless numbers of clients who have fallen foul of this condition in their employment contract.  SSP is approximately £92.05 per week.  What this means is that if you had no income protection in place and your employer has no Occupational Scheme in place to top up SSP, you would have to survive on just £368.20 per month (£92.05 per week).

In reality this amount is rarely enough to live on and you may find that in addition to being sick or injured, you would also be burdened with financial worries and debt.

Yes, to give you complete control over your payments we only collect premiums via monthly Direct Debit.

No, as this policy is payable via monthly Direct Debit you will not receive any money back if you cancel.

Certain hazardous pursuits are not covered by the policy. Please refer to the Policy Wording for a full list of exclusions.

Some of our insurance products are medically underwritten and will require a medical questionnaire to be completed.  These take about 30 minutes to complete and we can usually get you on cover within 24 to 48 hours after application.

In most cases, claim payments are made within 5 working days from the date of receipt of all documents required to validate your claim.

All payments will be made by cheque or by direct credit to your account.

In the event of an accidental death claim being made, any payment would automatically be made to your estate.

These policies will not cover you whilst you are on duty or in training, they will however cover you at other times providing you meet the eligibility requirements of residing in the UK for 40 weeks in any 52 week period.

Yes, as long as you continue to meet the requirement of residing in the UK for 40 weeks in any 52 week period.

If you are going to be out of the country for longer than a 12 week period you will need to contact us with full details before you leave the UK. We will then decide whether we are able to extend cover whilst you are abroad. Please see the Policy Wording for full details.

Yes, our minimum age to have your own policy is 18.

If you’re under 18 you could arrange cover by asking your parent to take out a Personal Injury Protection policy with us as these can be tailored to provide cover for children.  Call us today to discuss your requirements on 0333 355 2468.

No, we cover all levels of athletes from amateurs, semi-professional and professional.

If you hold a Personal Injury Protection policy as long as you continue to pay your premiums this cover would continue.  Short Term Income Protection is not valid if you find yourself out of work and you should contact us as soon as possible.

Yes, it is possible to amend the level of income benefit chosen at the outset of a policy.

No, Personal Injury Protection covers accidental injury only.  Our Short Term Income Protection insures against sickness AND injury.

No, you are covered for any injury sustained as a result of any accident.

On a working week day within 24 hours, if you require immediate cover please let your advisor know and we can usually accommodate your request.

Any medical condition or injury sustained within 12 months immediately prior to the start date of a policy is not covered,  and will only begin to do so after a period of 24 months symptom/treatment/doctor free from the said start date.

No.  Whilst the price will be unaffected, each specific condition would be excluded from cover.