A carpenter with his leg in plaster laughing on the sofa as his daughter brings him tea

Still paid when you can't work.

If illness or an accident stops you working, income protection pays you a tax-free monthly income of up to £5,000. Members can compare policies from leading UK insurers, with expert advice at no cost.

Join for £129 a year How the cover works
£5k A month, tax free, at most
  • Cover from 1 week off work
  • Self-employed covered too
  • Advice with no fees

Your bills keep coming when you're off sick.

Whether you're an employee with limited sick pay or self-employed with no cover at all, income protection pays you a monthly amount while an accident or sickness keeps you off work.

Spend it on whatever you need: the mortgage or rent, household bills, food and childcare. Because the payments are tax free, they can replace most of your take-home pay.

A hairdresser with her arm in a sling reading a letter at home by the window Most occupations covered

From your first day off to your first day back.

Follow an example week by week: when your cover starts, what arrives each month and what it pays for.

  1. Day 1

    An accident or illness stops you working.

  2. After 1 week

    Your cover can start.

  3. Every month

    A tax-free payment of up to £5,000 arrives.

  4. Your bills

    Pay the mortgage or rent, household bills, food and childcare.

  5. Back to work

    You're on your feet again.

You choose when cover starts. Some policies can start after just 1 week off work.

What you get when you compare.

An FCA-regulated expert helps you find the right policy, with no fees and no obligation.

A plasterer back at work smoothing a wall in a house being renovated

Leading UK insurers side by side

An independent comparison of policies from leading UK providers.

Cover from one week

You can choose to start your payments after just 1 week off work.

Most jobs considered

Full-time, part-time or self-employed.

Cover wherever it happens

Illness and injury at work, at home or out and about.

Expert advice for free

A regulated adviser talks you through your options and charges you no fee.

Policies rated 5 stars

Choose from policies with 5-star ratings, and some can start straight away.

A couple smiling at their kitchen table as they go through their household bills

You may know it as sickness insurance.

People also call it loss of income insurance, salary protection or wage protection. They all mean a policy that keeps paying your bills while illness or injury stops you working.

Ask us for a quote and an FCA-regulated expert will contact you to talk through your options.

  • Up to £5,000 a month
  • Tax-free payments
  • Employed or self-employed
  • No fees, no obligation

Ask for a quote

More that comes with membership

Every member gets every benefit, for one price. See them all.

A tradeswoman beside her van on a video call with a GP

24/7 GP

See a UK-registered GP in under a minute by chat, text, video or phone. Your family is covered too.

 A man at home on a confidential phone call

Mental health and EAP

Confidential support from BACP-accredited counsellors, 24 hours a day, 365 days a year.

 A woman signing a document at her dining table with her husband beside her

Complimentary will

A basic will written for you free, normally £139, at home, by phone or on a video call.

All of this for £129 a year.

One membership covers you and your family. Add staff for £49 a year each. Your membership can take up to 48 hours to process, then your welcome letter and certificate arrive by email.

See membership options