Income protection insurance

Compare income protection insurance quotes with our preferred provider, ActiveQuote[1]

  • Designed to cover outgoings and maintain your lifestyle if you're unable to work
  • Protect against accident and sickness, unemployment or both - tailor to your budget and needs
  • Receive a tax-free, monthly benefit of up to 70% of your gross annual salary

 

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How can we help you with income protection insurance today?

With the help of ActiveQuote you can compare income protection insurance policies (IPI) in one quick and easy search, while our partner also offers free, impartial advice from its team of product specialists.[1]

The simple-to-use forms will ask for your basic personal, contact and employment details, including gross annual income and the amount of cover you're looking for from your income protection policy.

You'll need to choose what you'd like to cover; your salary, mortgage payments or loan and credit card repayments.

You can select when you'd like your policy to start and how long you'd like it to cover you for.

The term may be for a fixed number of years or until a specific point in the future, such as your retirement age or until your mortgage ends.

Income protection insurance can pay you up to 70% of your gross annual income and you can choose how much you wish to cover.

Our comparison software looks at short-term and long-term income protection policies

Typically, the lower the monthly benefit, the lower the cost of the policy.

Providers take certain information into account when deciding your premium, such as the number of hours you work, how long you've been in continuous employment, your occupation and whether you smoke or not.

It's vital that you're as accurate as possible with the details you provide as mistakes or omissions may invalidate the policy.

Once you've entered all the relevant details, our comparison software looks at short-term and long-term income protection policies and can let you filter through the results so you can find options with the right cover for a price that suits you.

The results page will show you each policy in a manageable table with details on monthly benefit, policy term, benefit term and waiting period.

Did you know...?

  • Some policies offer support for rehabilitation as an added benefit

You can filter whether you wish to be protected against accident and sickness, unemployment, or both, and you'll be able to view the key features of each product, including information on the policy provider.

Subject to your circumstances, you'll either have the opportunity to purchase online or be given a number to speak to the insurance provider about your chosen product.

For further information you can talk to one of ActiveQuote's team of product specialists for free, impartial advice that can help you find the right policy suited to your budget and needs.

If you'd rather do your own research, you could try our income protection insurance guides, where you'll also find the answers to frequently asked questions.

Our guides can help with the basics such as whether you need IPI, how it differs to state benefits, how much you can claim, how long your income will be protected for, the cost of cover and the factors that impact on the premium price.

Read more about the different types of products including guaranteed, reviewable and age-related policies, with more information on areas such as terminal illness cover, lump sums at death, waiver of premiums whilst incapacitated and support for rehabilitation.

Learn also about typical exclusions, deferred periods and other things to look out for when making your decision.