Accident & Sickness Income Protection Options
Speak with a qualified UK adviser about income cover for illness or injury. Short-term and longer-term options available.
Accident & Sickness Income Protection
- Income cover optionsFor illness or injury
- Benefit length optionsShort-term and longer-term
- Monthly benefit optionsBased on your circumstances
- Employed UK applicants onlyEligibility checks apply
How this cover works
This landing page routes into an accident and sickness income-cover journey, where a Best Insurance specialist reviews suitable options with you rather than showing instant online quotes on-page.
Tell us about your work and cover needs
Answer a few short questions about your employment, income and the level of protection you want.
We assess suitable options
A Best Insurance specialist reviews which accident and sickness income-cover options fit your circumstances.
Discuss exclusions and waiting periods
You talk through eligibility, deferred periods, benefit length and whether short-term or longer-term cover is more suitable.
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
Income protection 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 or employer sick pay before benefits start.
Who it’s for
Best fit is employed UK applicants who want help protecting income if illness or injury stops them working.
Employed people with fixed monthly outgoings
- Help with rent or mortgage, utilities and other essentials if you are unable to work.
- Choose a benefit period that matches your savings, sick pay and fallback plans.
People comparing accident and sickness options
- Understand how deferred periods, benefit length and monthly benefit levels affect suitability.
- Review exclusions, claim rules and eligibility 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.
Benefit structure
The monthly benefit, deferred period and chosen benefit length all affect price.
Frequently asked questions
What is income protection insurance and how does it work?
This page focuses on accident and sickness income cover. A specialist reviews your situation and explains what monthly benefit, deferred period and benefit length options may suit you before you decide whether to proceed.
What happens after I enquire?
You complete the short form and a Best Insurance specialist contacts you by phone and email to discuss suitable accident and sickness income-cover options. The goal is to review eligibility and the most relevant cover structure rather than bind you into a policy online immediately.
Who is this suitable for?
Best fit is employed UK applicants looking for support if illness or injury 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?
Usually no. The focus on this page is accident and sickness income cover, not unemployment insurance. If you are specifically looking for redundancy or unemployment cover, that should be assessed separately because the eligibility rules and policy type are different.
Is this long-term income protection that pays to retirement?
Potentially, depending on your circumstances and the available insurer options. This page starts the adviser-led journey rather than showing instant online long-term quotes on-page, so the specialist can explain whether short-term or longer-term cover is available and suitable for you.
How long can it pay for?
That depends on the policy. Some options pay for shorter fixed periods, while others may run for longer. The specialist will confirm what benefit lengths are available to you and what they mean for your premium.
What affects the price?
The biggest drivers are monthly benefit, benefit period, deferred period, employment profile and the policy details that apply to your circumstances.