{"id":1515,"date":"2023-10-18T18:56:44","date_gmt":"2023-10-18T13:26:44","guid":{"rendered":"https:\/\/blog.bestinsurance.co.uk\/?page_id=1515"},"modified":"2025-03-24T19:02:16","modified_gmt":"2025-03-24T13:32:16","slug":"what-does-income-protection-cover","status":"publish","type":"page","link":"https:\/\/www.bestinsurance.co.uk\/what-does-income-protection-cover\/","title":{"rendered":"What does income protection cover"},"content":{"rendered":"\n[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;45deg&#8221; background_color_gradient_stops=&#8221;#fff1c1 0%|#e8f2f1 50%|#ffffff 100%&#8221; background_image=&#8221;https:\/\/www.bestinsurance.co.uk\/wp-content\/uploads\/2023\/12\/city-1.png&#8221; background_size=&#8221;contain&#8221; background_position=&#8221;bottom_center&#8221; background_repeat=&#8221;repeat-x&#8221; background_blend=&#8221;multiply&#8221; min_height=&#8221;512.7px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;||||false|false&#8221; custom_margin_phone=&#8221;||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;12%||4.7%||false|false&#8221; custom_padding_tablet=&#8221;10%||||false|false&#8221; custom_padding_phone=&#8221;20%||||false|false&#8221; bottom_divider_style=&#8221;wave&#8221; bottom_divider_color=&#8221;#FFFFFF&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||70px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;What does <a href=\"https:\/\/www.bestinsurance.co.uk\/income-protection-insurance\/\">Income Protection Insurance<\/a> cover?&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|700|||||||&#8221; title_font_size=&#8221;2vw&#8221; title_line_height=&#8221;1.2em&#8221; background_enable_color=&#8221;off&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; title_text_align_tablet=&#8221;center&#8221; title_text_align_phone=&#8221;center&#8221; title_text_align_last_edited=&#8221;on|desktop&#8221; title_font_size_tablet=&#8221;4vw&#8221; title_font_size_phone=&#8221;26px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; custom_css_free_form=&#8221;||||&#8221; global_colors_info=&#8221;{}&#8221; title_level=&#8221;h1&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Quicksand||||||||&#8221; custom_margin=&#8221;-23px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<p><span>Find out more about Income Protection Insurance, to see how you could insure your income against unexpected job loss or redundancy.<\/span><\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/www.bestinsurance.co.uk\/wp-content\/uploads\/2023\/11\/reading.png&#8221; title_text=&#8221;reading&#8221; force_fullwidth=&#8221;on&#8221; disabled_on=&#8221;off|on|off&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; max_width_tablet=&#8221;60%&#8221; max_width_phone=&#8221;60%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-4%||||false|false&#8221; custom_margin_tablet=&#8221;||||false|false&#8221; custom_margin_phone=&#8221;||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; background_size=&#8221;custom&#8221; background_position=&#8221;top_left&#8221; custom_padding=&#8221;30px||100px|||&#8221; custom_padding_tablet=&#8221;30px||100px|||&#8221; custom_padding_phone=&#8221;30px||0px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;75%&#8221; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;4%|3%|4%|3%|false|false&#8221; sticky_position=&#8221;top&#8221; sticky_offset_top=&#8221;20px&#8221; sticky_limit_bottom=&#8221;section&#8221; sticky_position_tablet=&#8221;none&#8221; sticky_position_phone=&#8221;none&#8221; sticky_position_last_edited=&#8221;on|desktop&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_blur=&#8221;20px&#8221; box_shadow_spread=&#8221;-7px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_related_link _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; heading=&#8221;Related Links&#8221; page_link=&#8221;1473&#8243; sorting=&#8221;on&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_related_link][et_pb_table_of_content _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; heading=&#8221;Quick Links&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_table_of_content][et_pb_text ul_type=&#8221;none&#8221; module_class=&#8221;inner-bullet-lp&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;13px&#8221; text_line_height=&#8221;1.2em&#8221; link_font=&#8221;||||||||&#8221; link_text_color=&#8221;#333547&#8243; link_line_height=&#8221;1.3em&#8221; ul_line_height=&#8221;1.5em&#8221; header_font_size=&#8221;4vw&#8221; header_2_font_size=&#8221;2vw&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_line_height=&#8221;1.5em&#8221; background_enable_color=&#8221;off&#8221; custom_margin=&#8221;||5px|||&#8221; custom_padding=&#8221;3.9%|7%|0%|7%|false|false&#8221; hover_enabled=&#8221;0&#8243; custom_css_free_form=&#8221;.bullet-li-menu-foot {||  display: flex;||}&#8221; border_color_bottom=&#8221;#e8f1f9&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<h3 class=\"sub-heading\">Useful Links<\/h3>\n<ul>\n\t<li class=\"bullet-li-menu-foot\"><a href=\"https:\/\/www.bestinsurance.co.uk\/income-protection-insurance\/\">Income Protection Insurance<\/a><\/li>\n\t<li class=\"bullet-li-menu-foot\"><a href=\"https:\/\/www.bestinsurance.co.uk\/unemployment-protection-insurance\/\">Unemployment Protection Insurance<\/a><\/li>\n\t<li class=\"bullet-li-menu-foot\"><a href=\"https:\/\/www.bestinsurance.co.uk\/redundancy-protection-insurance\/\">Redundancy Protection Insurance<\/a><\/li>\n\t<li class=\"bullet-li-menu-foot\"><a href=\"https:\/\/www.bestinsurance.co.uk\/accident-sickness-unemployment-insurance\/\">Accident, Sickness &#038; Unemployment Insurance<\/a><\/li>\n\t<li class=\"bullet-li-menu-foot\"><a href=\"https:\/\/www.bestinsurance.co.uk\/private-medical-health-insurance\/\">Private Medical Health Insurance<\/a><\/li>\n\t<li class=\"bullet-li-menu-foot\"><a href=\"https:\/\/www.bestinsurance.co.uk\/loan-protection-insurance\/\">Loan Protection Insurance<\/a><\/li>\n\t<li class=\"bullet-li-menu-foot\"><a href=\"https:\/\/www.bestinsurance.co.uk\/mortgage-protection-insurance\/\">Mortgage Protection Insurance<\/a><\/li>\t\n\t<li class=\"bullet-li-menu-foot\"><a href=\"https:\/\/www.bestinsurance.co.uk\/life-insurance\/\">Life Insurance<\/a><\/li>\t\n\t<li class=\"bullet-li-menu-foot\"><a href=\"https:\/\/www.bestinsurance.co.uk\/life-accident-sickness-unemployment\/\">Life Accident Sickness &#038; Unemployment<\/a><\/li>\t\n<\/ul>[\/et_pb_text][et_pb_blog_related_link _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; heading=&#8221;Related Blogs&#8221; blog_category=&#8221;9&#8243; sorting2=&#8221;on&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_blog_related_link][et_pb_cta title=&#8221;Speak to a specialist&#8221; button_url=&#8221;#speakToSpecialist&#8221; module_class=&#8221;speakSpecialist&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; header_font=&#8221;|700|||||||&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;45deg&#8221; background_color_gradient_stops=&#8221;#333547 0%|#209ec3 100%&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;2px&#8221; button_border_color=&#8221;#FFFFFF&#8221; button_border_radius=&#8221;5px&#8221; button_font=&#8221;|700|||||||&#8221; button_use_icon=&#8221;off&#8221; button_custom_padding=&#8221;5%|8%|5%|8%|false|false&#8221; text_orientation=&#8221;left&#8221; custom_margin=&#8221;||||false|false&#8221; sticky_limit_bottom=&#8221;section&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; global_module=&#8221;4136&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|hover&#8221; transform_translate__hover_enabled=&#8221;on|desktop&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; button_border_width__hover_enabled=&#8221;on|desktop&#8221; button_border_width__hover=&#8221;2px&#8221; button_border_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#ffffff&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#333547&#8243; button_border_color__hover=&#8221;#FFFFFF&#8221;]<p>Sometimes it&#8217;s easier to speak to a human. If you\u2019d rather have a chat with one of our trained protection specialists, you can call us on 0330 330 9465. Our offices are open Monday to Friday, 9am to 5pm.<\/p>\n[\/et_pb_cta][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; header_font_size=&#8221;4vw&#8221; header_2_font=&#8221;|800|||||||&#8221; header_2_font_size=&#8221;2vw&#8221; header_2_line_height=&#8221;1.3em&#8221; custom_padding=&#8221;||3%||false|false&#8221; header_2_font_size_tablet=&#8221;3vw&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#e8f1f9&#8243; global_colors_info=&#8221;{}&#8221;]<p><strong>Income protection insurance covers you if you lose your job unexpectedly, or are unable to work because of an accident, injury or illness.<\/strong><\/p>\n<p><strong>Just like an emergency parachute, or the life jacket under your seat on an aeroplane, this type of insurance gives you peace of mind, knowing that you\u2019ll still be able to support yourself and your family even without a regular income.<\/strong><\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">With income protection in place as your personal safety net, you\u2019ll be able to take the time you need to recover, or look for a new job, without feeling pressured or having to worry about how you\u2019ll pay the bills.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">Offering up to 12 benefit payments in any one claim, this type of insurance provides financial security in the short-term, by paying a tax-free monthly sum straight into your bank account.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">The amount of money you receive is linked to how much you earn, but can be up to 65% of your gross monthly income.<\/p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.bestinsurance.co.uk\/get-a-quote\/name-dob&#8221; button_text=&#8221;Get Started&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_bg_use_color_gradient=&#8221;on&#8221; button_bg_color_gradient_direction=&#8221;45deg&#8221; button_bg_color_gradient_stops=&#8221;#333547 0%|#209ec3 100%&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;|700|||||||&#8221; button_use_icon=&#8221;off&#8221; custom_padding=&#8221;3%|6%|3%|6%|false|false&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#333547&#8243; button_bg_enable_color__hover=&#8221;on&#8221; custom_padding__hover_enabled=&#8221;on|desktop&#8221; transform_styles__hover_enabled=&#8221;on|desktop&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|desktop&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_scale__hover=&#8221;110%|110%&#8221; custom_padding__hover=&#8221;3%|6%|3%|6%|false|false&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;#main-header&#8221; button_text=&#8221;Back to the Top&#8221; button_alignment=&#8221;right&#8221; module_id=&#8221;main-header&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#c1c1c1&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;|700|||||||&#8221; custom_margin=&#8221;||1px|||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_divider color=&#8221;rgba(0,0,0,0.15)&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Am I eligible for Income Protection Insurance?&#8221; module_id=&#8221;amIeligibleForIncomeProtectionInsurance&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|800|||||||&#8221; title_text_color=&#8221;#333547&#8243; title_font_size=&#8221;26px&#8221; title_font_size_tablet=&#8221;26px&#8221; title_font_size_phone=&#8221;20px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; header_font_size=&#8221;4vw&#8221; header_2_font=&#8221;|800|||||||&#8221; header_2_font_size=&#8221;2vw&#8221; header_2_line_height=&#8221;1.3em&#8221; custom_padding=&#8221;||3%||false|false&#8221; header_2_font_size_tablet=&#8221;3vw&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#e8f1f9&#8243; global_colors_info=&#8221;{}&#8221;]<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">To be eligible for income protection insurance, you must be a permanent resident of the UK, Channel Islands or Isle of Man, working full-time (16 hours a week or more).<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">As long as you\u2019ve been in the same job for at least 6 consecutive months, and aren\u2019t subject to any form of enquiry or disciplinary procedure by your employer, you should be able to purchase a policy.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">If you\u2019re buying an unemployment policy, it\u2019s also important that you aren\u2019t aware of any risk to your role, or impending redundancies or restructuring within your department.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">When it comes to accident and sickness, you should be able to claim for any illness, injury or accident that leaves you unable to work, as long as it isn\u2019t related to a pre-existing condition that you\u2019ve suffered during the last 12 months.<\/p>[\/et_pb_text][et_pb_button button_url=&#8221;#main-header&#8221; button_text=&#8221;Back to the Top&#8221; button_alignment=&#8221;right&#8221; module_id=&#8221;main-header&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#c1c1c1&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;|700|||||||&#8221; custom_margin=&#8221;||1px|||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_divider color=&#8221;rgba(0,0,0,0.15)&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;How much money could I get, and are there any restrictions?&#8221; module_id=&#8221;howMuchMoneyCouldIGetAndAreThereAnyRestrictions&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|800|||||||&#8221; title_text_color=&#8221;#333547&#8243; title_font_size=&#8221;2vw&#8221; custom_margin=&#8221;||1px|||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; header_font_size=&#8221;4vw&#8221; header_2_font=&#8221;|800|||||||&#8221; header_2_font_size=&#8221;2vw&#8221; header_2_line_height=&#8221;1.3em&#8221; custom_padding=&#8221;||3%||false|false&#8221; header_2_font_size_tablet=&#8221;3vw&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#e8f1f9&#8243; global_colors_info=&#8221;{}&#8221;]<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">When you purchase Income Protection, you\u2019ll be asked how much you\u2019d like to receive per month during a claim, known as a monthly benefit amount.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">The amount of money you can have depends on your wage or salary, but could be up to 65% of your gross monthly income.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">When choosing a benefit, it\u2019s important to remember that you don\u2019t need to go for the maximum that\u2019s available.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">You should select an amount that gives you enough to cover your essential outgoings, while making sure that the monthly premium is still affordable, even if your income were to stop.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">Because the payments you get are tax-free, you don\u2019t need to use the money to cover any particular financial commitment. Some people do use their benefit payments to help keep up with mortgage or loan repayments, but you can use them however you wish.<\/p>[\/et_pb_text][et_pb_button button_url=&#8221;#main-header&#8221; button_text=&#8221;Back to the Top&#8221; button_alignment=&#8221;right&#8221; module_id=&#8221;main-header&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#c1c1c1&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;|700|||||||&#8221; custom_margin=&#8221;||1px|||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_divider color=&#8221;rgba(0,0,0,0.15)&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Exclusion periods and Income Protection Insurance?&#8221; module_id=&#8221;exclusionPeriodsAndIncomeProtectionInsurance&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|800|||||||&#8221; title_text_color=&#8221;#333547&#8243; title_font_size=&#8221;2vw&#8221; custom_margin=&#8221;||1px|||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; header_font_size=&#8221;4vw&#8221; header_2_font=&#8221;|800|||||||&#8221; header_2_font_size=&#8221;2vw&#8221; header_2_line_height=&#8221;1.3em&#8221; custom_padding=&#8221;||3%||false|false&#8221; header_2_font_size_tablet=&#8221;3vw&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#e8f1f9&#8243; global_colors_info=&#8221;{}&#8221;]<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">If you buy an <a href=\"https:\/\/www.bestinsurance.co.uk\/unemployment-protection-insurance\/\">unemployment insurance<\/a> policy, you\u2019ll need to get past an Initial Exclusion Period before you can make a valid claim. Depending on the individual policy, this one-off time period lasts either 60, 90 or 120 days, and is in place to prevent people purchasing insurance and then making a claim straight away.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">If you are made redundant or told that your job is at risk during the Initial Exclusion Period, you\u2019ll need to contact us to cancel the cover, as you won\u2019t be able to make a valid claim.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">Both accident and sickness, and unemployment income protection policies also come with an excess period. Chosen by you at the time of purchase, this refers to the amount of time you\u2019ll have to wait before receiving your first payment, after you make a claim.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">It\u2019s important to think carefully about which excess period is right for you, because you\u2019ll need to be supporting yourself financially during this time.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">Many of our customers are confident that they can get by for the first month, and therefore choose a 30 day excess period, but if you think you need the money sooner, there is the option of a \u2018back to day 1\u2019 excess which pays out in arrears from the very first day of a claim.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">In general, the shorter the excess period, the higher the monthly premium will be, so do bear this in mind when customising your cover.<\/p>\n<p _ngcontent-serverapp-c6=\"\" class=\"quick-a\">For more information on income protection insurance, or to buy a policy, it\u2019s always a good idea to speak to an advisor. Our team of income protection specialists are experts in the industry, and they\u2019ll take your situation into account before searching the market to find the best policy for you.<\/p>[\/et_pb_text][et_pb_button button_url=&#8221;#main-header&#8221; button_text=&#8221;Back to the Top&#8221; button_alignment=&#8221;right&#8221; module_id=&#8221;main-header&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#c1c1c1&#8243; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;0px&#8221; button_font=&#8221;|700|||||||&#8221; custom_margin=&#8221;||1px|||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_divider color=&#8221;rgba(0,0,0,0.15)&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>Find out more about Income Protection Insurance, to see how you could insure your income against unexpected job loss or redundancy.Useful Links Income Protection Insurance Unemployment Protection Insurance Redundancy Protection Insurance Accident, Sickness &#038; Unemployment Insurance Private Medical Health Insurance Loan Protection Insurance Mortgage Protection Insurance Life Insurance Life Accident Sickness &#038; Unemployment Sometimes it&#8217;s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<h2>What does Income Protection Insurance cover?<\/h2>\nFind out more about Income Protection Insurance, to see how you could insure your income against unexpected job loss or redundancy.\n<h2>Quick Links<\/h2>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/credit-card-payment-protection-insurance\/\">Regular Commitments Protection Insurance<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/loan-protection-insurance\/\">Loan Protection Insurance<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/mortgage-protection-insurance\/\">Mortgage Protection Insurance<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/income-protection-insurance\/\">Income Protection Insurance<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/credit-card-payment-protection-insurance\/\">Credit Card Protection Insurance<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/accident-sickness-unemployment-insurance\/\">Accident Sickness & Unemployment<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/redundancy-protection-insurance\/\">Redundancy Protection Insurance<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/unemployment-protection-insurance\/\">Unemployment Protection Insurance<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/how-to-make-a-claim\/\">How to make a claim<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/life-insurance\/\">Life Insurance<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/critical-illness-insurance\/\">Critical Illness Insurance<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/lifetime-protection-insurance\/\">Life Time Protection<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/life-accident-sickness-unemployment\/\">Life Accident Sickness & Unemployment<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/private-medical-health-insurance\/\">Private Medical Insurance<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/policy-documents\/\">Policy Documents<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/faq\/\">FAQs<\/a><\/h6>\n<h6><a href=\"https:\/\/www.bestinsurance.co.uk\/contact-us\/\">Contact Us<\/a><\/h6>\n<h5>Income protection insurance covers you if you lose your job unexpectedly, or are unable to work because of an accident, injury or illness.<\/h5>\n<h5>Just like an emergency parachute, or the life jacket under your seat on an aeroplane, this type of insurance gives you peace of mind, knowing that you\u2019ll still be able to support yourself and your family even without a regular income.<\/h5>\n<h5>Income protection insurance covers you if you lose your job unexpectedly, or are unable to work because of an accident, injury or illness.<\/h5>\n<h5>Just like an emergency parachute, or the life jacket under your seat on an aeroplane, this type of insurance gives you peace of mind, knowing that you\u2019ll still be able to support yourself and your family even without a regular income.<\/h5>\n<a href=\"https:\/\/demo.bestinsurance.co.uk\/get-a-quote\/name-dob\">\nStart a New Quote\n<\/a>\n<a tabindex=\"0\">Am I eligible for Income Protection Insurance?<\/a>\n\nTo be eligible for income protection insurance, you must be a permanent resident of the UK, Channel Islands or Isle of Man, working full-time (16 hours a week or more).\n\nAs long as you\u2019ve been in the same job for at least 6 consecutive months, and aren\u2019t subject to any form of enquiry or disciplinary procedure by your employer, you should be able to purchase a policy.\n\nIf you\u2019re buying an unemployment policy, it\u2019s also important that you aren\u2019t aware of any risk to your role, or impending redundancies or restructuring within your department.\n\nWhen it comes to accident and sickness, you should be able to claim for any illness, injury or accident that leaves you unable to work, as long as it isn\u2019t related to a pre-existing condition that you\u2019ve suffered during the last 12 months.\n\n<a tabindex=\"0\">How much money could I get, and are there any restrictions?<\/a>\n\nWhen you purchase Income Protection, you\u2019ll be asked how much you\u2019d like to receive per month during a claim, known as a monthly benefit amount.\n\nThe amount of money you can have depends on your wage or salary, but could be up to 65% of your gross monthly income.\n\nWhen choosing a benefit, it\u2019s important to remember that you don\u2019t need to go for the maximum that\u2019s available.\n\nYou should select an amount that gives you enough to cover your essential outgoings, while making sure that the monthly premium is still affordable, even if your income were to stop.\n\nBecause the payments you get are tax-free, you don\u2019t need to use the money to cover any particular financial commitment. Some people do use their benefit payments to help keep up with mortgage or loan repayments, but you can use them however you wish.\n\n<a tabindex=\"0\">Exclusion periods and Income Protection Insurance?<\/a>\n\nIf you buy an unemployment insurance policy, you\u2019ll need to get past an Initial Exclusion Period before you can make a valid claim. Depending on the individual policy, this one-off time period lasts either 60, 90 or 120 days, and is in place to prevent people purchasing insurance and then making a claim straight away.\n\nIf you are made redundant or told that your job is at risk during the Initial Exclusion Period, you\u2019ll need to contact us to cancel the cover, as you won\u2019t be able to make a valid claim.\n\nBoth accident and sickness, and unemployment income protection policies also come with an excess period. Chosen by you at the time of purchase, this refers to the amount of time you\u2019ll have to wait before receiving your first payment, after you make a claim.\n\nIt\u2019s important to think carefully about which excess period is right for you, because you\u2019ll need to be supporting yourself financially during this time.\n\nMany of our customers are confident that they can get by for the first month, and therefore choose a 30 day excess period, but if you think you need the money sooner, there is the option of a \u2018back to day 1\u2019 excess which pays out in arrears from the very first day of a claim.\n\nIn general, the shorter the excess period, the higher the monthly premium will be, so do bear this in mind when customising your cover.\n\nFor more information on income protection insurance, or to buy a policy, it\u2019s always a good idea to speak to an advisor. Our team of income protection specialists are experts in the industry, and they\u2019ll take your situation into account before searching the market to find the best policy for you.","_et_gb_content_width":"","footnotes":""},"class_list":["post-1515","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Insurance | Income Protection | Compare Accident, Sickness &amp; Unemployment Insurance<\/title>\n<meta name=\"description\" content=\"Compare Accident, Sickness &amp; Unemployment Insurance\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bestinsurance.co.uk\/\/what-does-income-protection-cover\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Insurance | Income Protection | Compare Accident, Sickness &amp; Unemployment Insurance\" \/>\n<meta property=\"og:description\" content=\"Compare Accident, Sickness &amp; Unemployment Insurance\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bestinsurance.co.uk\/\/what-does-income-protection-cover\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-24T13:32:16+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Best Insurance | Income Protection | Compare Accident, Sickness & Unemployment Insurance","description":"Compare Accident, Sickness & Unemployment Insurance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.bestinsurance.co.uk\/\/what-does-income-protection-cover\/","og_locale":"en_US","og_type":"article","og_title":"Best Insurance | Income Protection | Compare Accident, Sickness & Unemployment Insurance","og_description":"Compare Accident, Sickness & Unemployment Insurance","og_url":"https:\/\/www.bestinsurance.co.uk\/\/what-does-income-protection-cover\/","article_modified_time":"2025-03-24T13:32:16+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.bestinsurance.co.uk\/what-does-income-protection-cover\/","url":"https:\/\/www.bestinsurance.co.uk\/\/what-does-income-protection-cover\/","name":"Best Insurance | Income Protection | Compare Accident, Sickness & Unemployment Insurance","isPartOf":{"@id":"\/#website"},"datePublished":"2023-10-18T13:26:44+00:00","dateModified":"2025-03-24T13:32:16+00:00","description":"Compare Accident, Sickness & Unemployment Insurance","breadcrumb":{"@id":"https:\/\/www.bestinsurance.co.uk\/\/what-does-income-protection-cover\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.bestinsurance.co.uk\/\/what-does-income-protection-cover\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.bestinsurance.co.uk\/\/what-does-income-protection-cover\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.bestinsurance.co.uk\/"},{"@type":"ListItem","position":2,"name":"What does income protection cover"}]},{"@type":"WebSite","@id":"\/#website","url":"\/","name":"","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.bestinsurance.co.uk\/wp-json\/wp\/v2\/pages\/1515","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bestinsurance.co.uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bestinsurance.co.uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bestinsurance.co.uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bestinsurance.co.uk\/wp-json\/wp\/v2\/comments?post=1515"}],"version-history":[{"count":48,"href":"https:\/\/www.bestinsurance.co.uk\/wp-json\/wp\/v2\/pages\/1515\/revisions"}],"predecessor-version":[{"id":12345,"href":"https:\/\/www.bestinsurance.co.uk\/wp-json\/wp\/v2\/pages\/1515\/revisions\/12345"}],"wp:attachment":[{"href":"https:\/\/www.bestinsurance.co.uk\/wp-json\/wp\/v2\/media?parent=1515"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}