Cover & Claim Scenarios
You can insure any percentage of your gross monthly income up to 65% or up to £2,000, whichever amount is lower.
You can only claim as soon as your policy starts in the event of an accident. You’re not able to claim for any sickness or unemployment, that you were advised of, which happens within the Initial Exclusion Period. The initial exclusion period for sickness is 60 days. The initial exclusion period for unemployment is 120 days or 60 days if you’re a new borrower. Your certificate of cover will confirm what initial exclusion period applies to your policy.
In order to be eligible to claim for unemployment you must be registered as unemployed and declared to HM Revenue & Customs (HMRC) that you’ve ceased trading.
Any sick pay that you receive from your employer doesn’t affect your entitlement to make a claim on your policy.
Yes, we offer all our cover types in full if you’re self-employed.
No, our Income Protection isn’t tied to a mortgage, loan or any other credit agreement.
Cost & Monthly Payment
There is no charge for making a change to your policy. You’ll only pay the difference in your monthly premium that your requested change caused.
This will depend on the qualification period you selected when taking out the policy. We offer 5 qualification periods and the one you chose will be shown on your certificate of cover.