Life Insurance for Couriers UK
As a courier in the UK, you are the lifeblood of the modern economy. From delivering essential parcels to connecting businesses with their customers, your work is demanding, fast-paced, and indispensable. But with the freedom of being self-employed and the open road comes a unique set of risks and responsibilities, especially when it comes to your financial security and that of your loved ones.
The reality for most of the UK's burgeoning courier workforce is a lack of employer-provided safety nets. There is no sick pay if you're injured, no death-in-service benefit for your family if the worst should happen, and no long-term illness cover from an employer. You are your own financial safety net.
This is where specialist financial protection comes in. This comprehensive guide is designed specifically for you—the self-employed courier, delivery driver, and logistics professional. We'll explore the types of flexible cover that can protect your income, your family, and your future, ensuring that no matter what bumps lie in the road ahead, you're financially prepared.
Flexible life cover for self-employed couriers
The term 'life insurance' often brings to mind a simple policy that pays out a lump sum upon death. While that remains a crucial component, the modern protection landscape offers far more flexible and adaptable solutions tailored to the unique financial rhythm of a self-employed courier.
Your income isn't a fixed monthly salary. It can fluctuate based on contracts, seasonal demand, and the number of hours you work. Flexible cover acknowledges this. It means building a protection portfolio that can adapt to your life changes, whether that's getting a mortgage, starting a family, or growing your delivery business.
A flexible protection plan for a courier might include:
- Term Life Insurance: To provide a significant lump sum for your family to clear debts like a mortgage and cover future living costs if you were no longer around.
- Income Protection: To replace a portion of your earnings with a tax-free monthly income if you're unable to work due to illness or an accident. This is arguably the most critical cover for any self-employed individual.
- Critical Illness Cover: To pay out a tax-free lump sum on the diagnosis of a specified serious illness, giving you financial breathing space to focus on recovery without worrying about bills.
The key is not to view these as separate, rigid products but as interconnected tools that create a comprehensive financial shield. An expert adviser can help you combine these elements in a way that is both affordable and perfectly matched to your specific circumstances as a courier.
Why Do Couriers Need Specialist Insurance Advice?
Working as a courier presents a unique risk profile that many standard "off-the-shelf" insurance policies might not fully accommodate. Your job isn't a typical 9-to-5 office role, and your insurance shouldn't be either.
Here’s why specialist advice is vital:
- Self-Employed Status: According to the Office for National Statistics (ONS), there are over 4.2 million self-employed people in the UK. The vast majority lack the benefits an employee takes for granted. If you can't work, your income stops instantly. There's no statutory sick pay to fall back on for more than a few weeks, and certainly no compassionate leave or long-term sick pay from an 'employer'.
- Increased Road Risk: Your 'office' is the road. Department for Transport statistics consistently show that vans and light goods vehicles are involved in a significant number of road incidents. In 2023, vans were involved in over 12,000 reported road accidents in Great Britain. This elevated daily risk is a key factor insurers consider and why expert navigation of the market is crucial.
- Physical Demands: The job isn't just about driving. It involves lifting, carrying, navigating tricky delivery points, and working long hours. Musculoskeletal issues, such as back and shoulder injuries, are a common reason for time off work. The Health and Safety Executive (HSE) reports that such disorders are a leading cause of work-related ill health in the UK.
- Income Volatility: A good month can be followed by a quieter one. A specialist adviser understands this and can help you structure policies with premiums you can manage, and benefits that truly reflect your average earnings, not just a single snapshot in time.
Without a robust protection plan, a simple accident or unexpected illness can quickly escalate into a financial crisis, jeopardising not only your own well-being but also your family's home and lifestyle.
The Core Protection Products for Couriers Explained
Understanding the different types of cover available is the first step to building your financial resilience. Let's break down the main products and how they can be tailored for a courier.
1. Life Insurance
This is the foundation of financial protection for anyone with dependents or significant debts like a mortgage. It’s designed to provide for your loved ones after you’re gone.
| Type of Life Insurance | How It Works | Best For a Courier Who... |
|---|---|---|
| Level Term Assurance | Pays a fixed lump sum if you die within a set term (e.g., £250,000 over 25 years). | ...wants to provide a specific amount for their family to cover living costs, childcare, and future expenses, in addition to clearing debts. |
| Decreasing Term Assurance | The payout amount reduces over the policy term, usually in line with a repayment mortgage. | ...has a repayment mortgage and wants a cost-effective way to ensure it's paid off if they die. |
| Family Income Benefit | Instead of a lump sum, it pays out a regular, tax-free monthly or annual income for the remainder of the policy term. | ...has a young family and wants to replace their lost income in a manageable way, covering monthly bills rather than leaving a large sum to manage. |
| Whole of Life Assurance | A policy that guarantees to pay out whenever you die, as long as you keep up with payments. | ...has a potential Inheritance Tax liability or wants to leave a guaranteed legacy for their family. It is more expensive than term assurance. |
2. Income Protection Insurance
For a self-employed courier, this is arguably the most important policy you can own. It acts as your personal sick pay scheme.
- What it does: It pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury that prevents you from doing your job.
- How it works: You choose a benefit amount (typically up to 60-65% of your pre-tax earnings), and a 'deferment period'.
- The Deferment Period: This is the time you wait from when you stop working until the policy starts paying out. It can be as short as one day or as long as 12 months. The longer the deferment period you choose, the lower your premium. A common choice is 4, 8, or 13 weeks, designed to align with any savings you have.
- Crucial Definition: 'Own Occupation' Cover: This is the gold standard. It means the policy will pay out if you are unable to perform your specific job as a courier. Other, less comprehensive definitions (like 'Suited Occupation' or 'Any Occupation') might not pay out if the insurer believes you could do another job, like office admin, even if it means a drastic pay cut. As specialists, we at WeCovr strongly recommend 'Own Occupation' cover for professionals like couriers.
3. Critical Illness Cover (CIC)
This cover is designed to protect you from the financial impact of a life-altering illness.
- What it does: It pays out a tax-free lump sum on the diagnosis of one of a list of specified serious medical conditions.
- Common conditions covered: The core conditions covered by almost all providers are heart attack, stroke, and most forms of cancer. Comprehensive policies can cover 50, 100, or even more conditions, including things like multiple sclerosis, major organ transplant, and permanent loss of sight or hearing.
- How it helps a courier: A CIC payout gives you choices. You could use the money to:
- Clear your mortgage or other debts.
- Pay for specialist medical treatment not available on the NHS.
- Adapt your home or vehicle.
- Fund a period of extended time off work to recover fully, without the stress of needing to earn.
- Keep your business afloat while you're not working.
Many people choose to combine Life and Critical Illness Cover into a single policy for simplicity and cost-effectiveness.
How Does Being a Courier Affect Your Premiums?
Insurers are in the business of assessing risk. Several factors go into calculating the price (premium) you'll pay for cover, and your occupation as a courier is a significant one.
| Factor | How It Affects a Courier's Premiums | What You Can Do |
|---|---|---|
| Occupation | Insurers classify couriers as a higher risk than office workers due to time spent on the road and manual handling. This can lead to slightly higher base premiums. Some insurers are more favourable than others. | Use a broker like WeCovr. We know which insurers view courier work more favourably and can find you the most competitive terms. |
| Health & Lifestyle | Standard factors apply: age, smoking status, BMI, alcohol intake, and medical history. A higher BMI or being a smoker will significantly increase costs. | Make positive lifestyle changes. Quitting smoking for 12+ months can cut premiums by up to 50%. Improving your diet and fitness can also help. |
| Driving History | Points on your driving licence or a history of accidents may be queried, especially for Income Protection, as it increases your risk of being unable to work. | Be completely honest on your application. Hiding information can lead to a claim being denied. An adviser can help frame your history correctly. |
| Cover Amount & Term | The more cover you need and the longer you need it for, the higher the premium will be. | A thorough "fact-find" with an adviser will ensure you're not over- or under-insured. We help you find the sweet spot between affordability and adequate protection. |
| Policy Options | Choosing 'Own Occupation' for Income Protection or adding more conditions to a Critical Illness plan will increase the cost but provides far superior protection. | Understand the trade-offs. Paying a little more for better quality cover can be the difference between a successful claim and a rejected one. |
It's a misconception that being a courier makes insurance prohibitively expensive. By presenting your application to the right insurer in the right way, you can secure excellent, affordable cover.
Real-Life Scenarios: How Insurance Protects Couriers
Let's look at some examples to see how this works in practice.
Scenario 1: David, the Motorbike Courier
David, 32, is a self-employed motorbike courier in London. He earns around £35,000 a year. He has an Income Protection policy for a benefit of £1,800 per month with a 4-week deferment period.
One wet afternoon, a car pulls out in front of him. David swerves but comes off his bike, suffering a complex fracture to his wrist and ankle. He needs surgery and is told he won't be able to ride or lift parcels for at least three months.
- The Outcome: David's income stops immediately. He uses his small emergency fund to get through the first month. After the 4-week deferment period, his Income Protection policy kicks in. He receives £1,800 a month, tax-free, for the next two months until his doctor declares him fit to return to work. The policy allows him to pay his rent, bills, and food costs without getting into debt or rushing back to work before he's fully healed.
Scenario 2: Sarah, the Van Courier & Business Owner
Sarah, 45, runs her own small courier business with one other driver. She has a family and a mortgage. She took out a combined Level Term Life Insurance and Critical Illness Cover policy for £200,000 five years ago.
During a routine check-up, she is diagnosed with breast cancer. The diagnosis is confirmed, and it meets the policy definition.
- The Outcome: The insurance company pays her the £200,000 tax-free lump sum. This financial freedom is transformative. Sarah uses the money to:
- Pay a large chunk off her mortgage, drastically reducing her monthly outgoings.
- Pay her other driver a bonus to cover her routes while she undergoes treatment.
- Cover her personal living costs without needing to draw a salary from the business.
- Focus entirely on her health, treatment, and recovery without financial stress.
Scenario 3: Mark, the Delivery Driver
Mark, 40, is the main breadwinner for his family, with a partner and two young children. They have a £150,000 repayment mortgage. He has a Decreasing Term Assurance policy matched to the mortgage and a separate Family Income Benefit policy set to pay out £1,500 a month until his youngest child turns 21.
Tragically, Mark is involved in a fatal road accident while on his route.
- The Outcome: The Decreasing Term policy pays a lump sum that completely clears the outstanding mortgage balance, securing the family home. The Family Income Benefit policy begins paying his partner £1,500 every month. This regular income replaces Mark's earnings, allowing his partner to manage the household bills, pay for childcare, and grieve without the immediate terror of financial collapse.
Wellness on the Road: Tips for Couriers to Stay Healthy
Your health is your most valuable asset. Staying fit and well not only improves your quality of life but can also have a positive impact on your insurance premiums in the long run. Here are some practical tips for life on the road.
Diet and Hydration
- Plan Ahead: The temptation of service station pasties and fast-food drive-throughs is strong. Prepare healthy lunches and snacks at home. Think whole-wheat sandwiches, salads in a jar, fruit, nuts, and protein bars.
- Stay Hydrated: Dehydration can cause fatigue, headaches, and reduced concentration – all dangerous when driving. Keep a large reusable water bottle in your cab and sip it throughout the day.
- Track Your Intake: Understanding your calorie and nutrient intake is the first step to improving your diet. As a WeCovr client, you get complimentary access to our AI-powered calorie tracking app, CalorieHero, to help you make smarter food choices on the go.
Physical Activity
- Pre-Shift Stretches: Before you get in the van, take five minutes to stretch your back, neck, shoulders, and hamstrings. This helps prevent stiffness and injury.
- Micro-Breaks: When you stop for a delivery, take an extra 30 seconds to walk around your vehicle or do a few squats. It helps get the blood flowing.
- Post-Work Routine: Don't just collapse on the sofa. A 20-minute walk, a short gym session, or a home workout can counteract the effects of sitting all day and help you de-stress.
Sleep and Mental Health
- Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. Lack of sleep severely impairs reaction times and decision-making. The Royal Society for the Prevention of Accidents (RoSPA) estimates that driver fatigue contributes to as many as 20% of all road accidents.
- Create a Wind-Down Routine: Avoid screens (phones, TV) for an hour before bed. Read a book, listen to a podcast, or practice some light meditation to signal to your brain that it's time to rest.
- Manage Stress: Traffic, tight deadlines, and difficult customers can take a toll. Use driving time to listen to calming music or audiobooks. Practice deep breathing exercises if you feel your stress levels rising. Don't be afraid to talk to someone if you're feeling overwhelmed.
Special Considerations for Couriers Owning a Business
If you've grown from a sole trader into a limited company, perhaps employing other drivers, a different set of protection tools becomes available. These business protection policies are highly tax-efficient and protect the company itself.
Relevant Life Insurance
This is a death-in-service policy for directors and employees, paid for by the business.
- How it works: The company pays the premiums for a life insurance policy on its director (or employee). If that person dies, the payout goes directly to their family via a trust, completely free of Inheritance Tax.
- The Tax Benefits:
- Premiums are typically an allowable business expense, so they can be offset against your corporation tax bill.
- It is NOT treated as a P11D benefit-in-kind, so there is no extra income tax for the director to pay.
- It's a fantastic way to provide valuable employee benefits at a very low net cost.
Key Person Insurance
Who is essential to your business's survival? For a small courier firm, it's probably you.
- How it works: The business takes out a policy (Life and/or Critical Illness) on a 'key person'. If that person dies or becomes critically ill, the policy pays out to the business.
- What it's for: The money is designed to help the business survive the loss of that key individual. It can be used to:
- Recruit a replacement.
- Cover lost profits during the disruption.
- Reassure lenders and suppliers.
- Clear business debts.
Executive Income Protection
This is similar to a personal income protection policy but is owned and paid for by your limited company.
- How it works: The company pays the premiums. If you (the director/employee) are unable to work due to illness or injury, the policy pays a monthly benefit to the company. The company can then continue to pay you a salary via PAYE.
- The Tax Benefits: Like Relevant Life, the premiums are generally an allowable business expense. This makes it a more tax-efficient way to secure your income than a personal policy paid for from your post-tax income.
The Application Process: What to Expect
Applying for protection insurance can seem daunting, but it's a straightforward process when guided by an expert.
- Discovery & Advice: This is the most important stage. We'll have a detailed chat to understand you, your family, your work as a courier, your finances, and your goals. This allows us to recommend the right types and levels of cover.
- Market Research & Quotes: Armed with your information, we'll research the entire market. Because we're experts in insurance for occupations like couriering, we know which insurers will offer the best terms and prices. We'll present you with clear, jargon-free quotes.
- Application Form: Once you're happy, we'll help you complete the application form. Absolute honesty and accuracy are vital here. You'll be asked detailed questions about your health, lifestyle, family medical history, and your job.
- Underwriting: The insurer's underwriting team will now assess your application. They may:
- Accept your application on standard terms.
- Request a report from your GP (they will always ask for your consent first).
- Ask you to attend a nurse screening or a medical examination (usually only for very large cover amounts or if you have a complex medical history).
- Offer cover with a 'loading' (higher premium) or an 'exclusion' (a specific condition that won't be covered).
- Policy Acceptance: Once the insurer is happy, they will issue your policy documents. We'll check these thoroughly for you. Your cover begins, and you are officially "on-risk" once your first premium is paid.
- Placing the Policy in Trust: For most life insurance policies, we strongly recommend placing them into a Trust. This is a simple legal arrangement that ensures the payout goes directly to your chosen beneficiaries quickly and without being liable for Inheritance Tax. It's a free service we help all our clients with.
Find the Best Cover: Why Use an Expert Broker like WeCovr?
In a world of comparison websites, you might wonder why you need a broker. For a courier, the answer is simple: expertise and access.
- We Understand Your Job: We won't just type "courier" into a dropdown box. We understand the nuances of your role and can present your application to insurers in a way that highlights the positives and correctly frames the risks, securing you better terms.
- Whole-of-Market Access: Comparison sites often don't include all insurers or all policy types. We work with all the major UK protection providers, giving you the complete picture and ensuring you don't miss out on a better deal.
- Navigating Underwriting: If you have a minor health issue or a few points on your licence, a simple online form might decline you. We can speak to underwriters on your behalf, providing context and negotiating a positive outcome.
- Beyond the Sale: Our service doesn't end when the policy starts. We're here for you at the point of claim, to review your cover as your life changes, and to offer ongoing support. Plus, with value-added benefits like our CalorieHero app, we show our commitment to your overall well-being.
Your job is to deliver for your clients. Our job is to deliver the financial security you and your family deserve.
Do I need a medical examination to get life insurance as a courier?
Generally, no. For the majority of people applying for standard amounts of cover, a medical exam is not required. The insurer will make a decision based on the answers you provide on your application form. They may ask for a report from your GP if you have pre-existing conditions. A medical is usually only requested for older applicants, those applying for very large sums assured (e.g., over £1 million), or those with significant health issues.
What happens to my policy if I stop being a courier and get an office job?
Your policy continues as normal. However, it's a great idea to inform your adviser or insurer. Since your new job is lower risk, you may be eligible for a reduction in your premiums, especially for Income Protection. This is a key benefit of having your cover reviewed regularly.
Can I get cover if I have a pre-existing medical condition like diabetes or a past injury?
Yes, in many cases you can. It's crucial to fully disclose the condition on your application. The insurer's decision will depend on the specific condition, its severity, how well it is managed, and when you were diagnosed. Possible outcomes include being accepted on standard terms, having a premium 'loading' (increase), or having an 'exclusion' related to that condition placed on the policy. An expert broker is invaluable here, as they know which insurers are more sympathetic to certain conditions.
Is life insurance for couriers expensive?
It's often much more affordable than people think. While a courier is considered a higher risk than an office worker, the cost is still manageable. For example, a healthy, non-smoking 30-year-old courier could get £200,000 of level term life insurance over 25 years for as little as £10-£15 per month. The final price depends on your age, health, smoking status, and the amount/type of cover you need.
What is the main difference between Income Protection and Critical Illness Cover?
The key difference is how they pay out. Income Protection pays a regular monthly income if you are unable to work due to ANY illness or injury (e.g., a broken leg, stress, back pain). Critical Illness Cover pays a one-off tax-free LUMP SUM but only if you are diagnosed with one of the serious conditions specified in the policy (e.g., cancer, heart attack, stroke). They cover different needs and work very well together as part of a comprehensive plan.
Do I have to put my life insurance policy in trust?
While it's not compulsory, it is highly recommended for most people. Placing a policy in trust is a simple legal process that ensures the money is paid directly to your chosen beneficiaries, rather than to your estate. This has two major benefits: it avoids a lengthy probate process (speeding up payment significantly), and the payout is not typically considered part of your estate for Inheritance Tax purposes. Most good brokers, like WeCovr, will help you do this for free as part of their service.
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
Our Group Is Proud To Have Issued 800,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!