Income Protection


Our Income Protection is currently not available for purchase. If you're an existing policyholder, we'd like to assure you that you're not affected by the changes in availability of these products and can continue to claim in line with the terms and conditions of your current policy.

Income Protection

You need to fund and maintain a lifestyle for yourself and your family.

Whether it’s a monthly loan repayment, your two weeks in the sun or something more run-of-the-mill like the weekly shop it all comes from one source, your income. What would you do if your income unexpectedly stopped?

An accident, sickness or redundancy could, unfortunately, happen to any of us at any time.

Our Income Protection, IncomeShield, is designed to give you peace of mind that, if the worst happens, you’ll be able to continue to support your cost of living and keep control of your lifestyle for either 12 or 24 months.

Whether you want to cover yourself against accident and sickness, unemployment or all of these, we’ve got it covered:

  • Monthly tax-free income of up to £2,000 or 65% of your gross monthly income (whichever is lower)
  • Not linked to a credit agreement; keeping you in control of how you use it
  • Choice of 5 'Qualification Periods'; you decide when your cover starts
  • Free legal assistance for employment and accident disputes supplied by Motorplus
  • Carer cover and back-to-work support included as part of our unemployment cover

We want to let you know...

As with all insurance policies there are circumstances when cover can't be offered or a claim paid. For example, any sickness within the initial exclusion period and any pre-existing medical condition that you’ve not been symptom-free from in the 12 months before the policy start date.

These are only examples. For full details of what's covered and what's not covered, please read our Income Protection policy booklet. Alternatively, you can find further information in our Insurance Product Information Document for Income Protection.

There are other providers of Short Term Income Protection and other products designed to protect you against loss of income. For impartial information about insurance, please visit

A typical monthly cost for Paymentshield Income Protection is £5.18 for every £100 of monthly benefit you would get. The monthly cost includes Insurance Premium Tax (IPT) at the current rate. The cost is based on a customer aged 31-35 who has a new credit agreement and selected our full accident, sickness and unemployment option with 30-day back-to-day-one cover, 12 months' benefit, no deferred premium payment period and protecting an income of £755 a month.

Want to Chat?

  • You can call our customer services team on 0345 601 1050
  • Monday - Friday
    8.15am - 5.45pm
    9am - 1pm
  • We also offer a live chat and bot service to answer any questions you may have
  • Monday - Friday
    8.30am - 5.30pm
    9am - 1pm