Income Protection, Simplified.

Safeguard your earnings if you can't work due to illness or injury. We compare policies from top UK insurers to keep your finances secure.

Estimate Your Cover Explore Guides

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Thousands of customers helped

Essential Income Protection Guides

Expert advice on protecting your salary, understanding sick pay, and choosing the right policy.

Self-Employed Guide 2026

Core IP basics for freelancers and contractors.

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Best IP for Self-Employed

Top providers and policy comparisons.

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How Much Does It Cost?

Pricing drivers and example premiums.

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Short-Term vs Long-Term Cover

Benefit terms and deferred periods explained.

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Sick Pay vs Income Protection

Why SSP alone usually isn’t enough.

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SSP Shortfall Guide

How big the gap can be for workers.

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Sick Pay Gap Calculator UK

Estimate your monthly shortfall fast.

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Mental Health & MSK Claims

How claims are assessed for common conditions.

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IP vs Critical Illness

Monthly income vs lump-sum protection.

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How to Claim

Steps, evidence, and timelines.

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Income Protection for Families

Protect household bills if income stops.

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Freelancers & Remote Workers

Specialist cover for modern work setups.

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International IP for Expats

Group cover, benefits, and claims.

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SMART TOOLS

Check Your Risk

Use our calculators to see the gap between your salary and sick pay, and estimate cover costs.

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Income Protection Calculator

Estimate the monthly benefit you could receive based on your earnings.

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Sick Pay Gap Calculator

See the shortfall between your salary and statutory sick pay.

Check Gap →

Financial Impact Calculator

Understand the long-term financial impact of being unable to work.

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We compare the UK's leading insurers