Income Protection Cover Options With Personalised UK Advice
Speak with a qualified UK adviser about short-term cover for illness, injury and involuntary redundancy. Employed UK applicants only; eligibility, exclusions and waiting periods apply.
Income Protection Cover Options
- Short-term cover optionsAccident, sickness and redundancy
- Benefit length options6 or 12 months
- FCA regulatedAuthorised support
- Employed UK applicants onlyEligibility checks apply
How this cover works
This landing page feeds the short-term ASU journey, where a Best Insurance specialist reviews suitable cover options with you rather than showing long-term illness-only policies on-page.
Tell us about your work and cover needs
Answer a few short questions about your employment, budget and the type of short-term protection you want.
We assess suitable options
A Best Insurance specialist reviews which accident, sickness or redundancy options fit your circumstances.
Discuss exclusions and waiting periods
You talk through eligibility, involuntary-redundancy rules, benefit length and when cover could start.
Choose whether to proceed
If the options suit you, the specialist helps you move forward. If not, you stop there with no obligation.
Waiting period options
Short-term cover usually comes with a qualifying period before benefits can start.
60 days
Fastest typical option. Useful if you need support to start sooner after an accepted claim.
90 days
Balanced midpoint that keeps premiums more manageable while benefits can still begin within three months.
120 days
Usually the cheapest option if you can lean on savings, sick pay or redundancy pay before benefits start.
Who it’s for
Best fit is employed UK applicants who want short-term help with core bills if they cannot work.
Employed people with fixed monthly outgoings
- Help with rent or mortgage, utilities and other essentials during a short-term disruption.
- Choose a benefit period that matches your savings and fallback plans.
People comparing sickness and redundancy options
- Understand whether accident, sickness, unemployment or combined cover is more suitable for your situation.
- Review waiting periods, exclusions and claim rules before deciding.
What affects the cost?
Premiums vary based on the cover mix and your employment profile.
Monthly benefit
Higher payouts cost more but cover a larger share of your core bills.
Benefit length
Twelve-month cover generally costs more than six-month cover.
Waiting period
Shorter waits usually mean higher premiums; longer waits reduce the cost.
Employment profile
Role, sector, tenure and contract type all affect eligibility and pricing.
Cover type
Adding accident and sickness protection changes the premium versus redundancy-only options.
Frequently asked questions
What is income protection insurance and how does it work?
On this page we use “income protection” in the broad paid-search sense, but the journey routes into short-term accident, sickness and unemployment cover options. A specialist reviews your situation and explains what cover types, waiting periods and exclusions may apply before you decide whether to proceed.
What happens after I enquire?
You complete the short ASU form and a Best Insurance specialist contacts you by phone and email to discuss suitable cover options. The goal is to review eligibility and talk through the most relevant policy type rather than bind you into a policy online immediately.
Who is this suitable for?
Best fit is employed UK applicants looking for short-term support if illness, injury or involuntary redundancy affects their income. Self-employed, contract or irregular-income applicants may have fewer options, so the specialist review is important.
What waiting period should I choose?
Typical short-term options are 60, 90 or 120 days.
- Shorter waits pay sooner but cost more.
- Longer waits are cheaper if you can bridge the gap with savings or employer benefits.
Does income protection cover redundancy or unemployment?
Some of the options reviewed in this journey can include involuntary redundancy or unemployment cover, but that depends on your employment status and the specific policy. The specialist will explain which parts may apply to you and which exclusions matter.
Is this long-term income protection that pays to retirement?
No. This landing page feeds the short-term ASU flow, not a long-term illness-only policy that pays to retirement. If you are specifically looking for long-term income protection, the specialist can clarify that difference before you proceed.
How long can it pay for?
Short-term options typically pay for 6 or 12 months per claim, depending on the policy and cover type. The specialist will confirm the benefit period and what it means for your premium.
What affects the price?
The biggest drivers are monthly benefit, benefit period, waiting period, employment profile and whether you want accident and sickness added alongside redundancy-related cover.