For an immediate income protection quote during working hours please call 0845 365 0030 quoting ref WS6
We have a wide range of income protection quotes online to get a quote click the GO button
If you need more than £2500 per month of cover or have existing plans we suggest you submit an enquiry
If you require long term protection against accident and sickness (up to a maximum of age 65) click the Go button.
Income Protection Enquiries.

1. Who needs unemployment protection insurance?

Simply consider the following information:

• 2.2 million people of working age will be off work for at least six months at any one time through sickness and disability.
• Over two million people are claiming Income Support.
• Over 855,000 people are claiming JobSeeker's Allowance.
• Over 2.6 million people are claiming Incapacity benefit.
• Over 2.7 million people are claiming Disability Living Allowance.

Source: National Statistics Online, 2005

2. How will this type of insurance help me?

• This type of insurance has been designed to overcome the consequences of unemployment, accident and sickness. It provides you with the following benefits:
• Free transfer and immediate cover for clients who switch from another insurer
• Highly competitive premiums payable monthly by standing order
• Up to £1,500 per month of tax-free benefit
• Benefits payable for 12 or 24 months after your selected excess period
• Accident, sickness and redundancy cover if you are employed
• Accident, sickness bankruptcy and cessation of business cover for the self-employed
• Accident sickness bankruptcy and involuntary liquidation cover for controlling directors
• No premium loading on the basis of age, gender or geographical location

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3. Who is eligible for cover under this type of insurance?

You can apply for this insurance if you:

• Are aged between 18 and 60 and are permanently resident within the UK
• Are actively working for more than 16 hours per week and have been in continuous employment for more than six months before the insurance start date. Some companies may even consider applications if you work in temporary or seasonal employment
• Are in good health and know of no impending unemployment or disability. Any company mergers or takeovers must be declared

4. Can I have joint cover with my partner?

Yes. You can apply for cover:

• On your own
• Jointly with your partner. The cover will be split. The total cover must be 100% of the unemployment benefit selected.
• Double cover. This is where both you and your partner each have 100% benefit. This doubles the monthly premium.

5. When would I receive the first benefit payment?

You will need to be continuously unemployed or unable to work due to illness or disability for your selected deferral period before you are able to make a claim under this type of insurance. Thereafter payments will continue monthly in arrears until the earliest of the following events:

• the last consecutive day that you remain unemployed or disabled,
• the date you cease to provide evidence that you remain continuously unemployed or disabled,
• you have received twelve months benefit payments for a separate period of claim,
• the end date of this insurance.

6. What is a deferral period?

This is the amount of time between being off work through accident, sickness or redundancy, to the start of a claim. A 30-day deferral period means the claim starts to accrue 30 days after the insurable incident occurs. Some companies retain the right to impose up to a 180-day exclusion at their discretion.

7. What is the maximum cover I can have?

The amount of cover you select is known as the monthly benefit. The maximum monthly benefit generally available per applicant under this type of insurance is £1,500 of income protection cover up to a combined total of 50% of gross monthly income*, whichever is the lower.
*Gross monthly income means monthly salary plus the average of any overtime, commission and/or bonus payments received in the 12 months prior to the insurance start date.

8. If I claim do I still continue to pay my premiums?

Yes, it is very important that you continue to pay all premiums when they are due. Insurers refund your monthly premium when we pay your claim. If you select a monthly benefit of £300 per month and the premium you pay is £14.25, on a claim they would pay you a monthly benefits total of £314.25.

9. What is the cost of cover?

The cost of cover is expressed as a rate per £100 of monthly benefit and includes insurance premium tax.

10. What do you mean by a high risk occupation?

We consider certain types of employers to be "high risk". These are companies whose line of business is in certain areas.
These currently are:
Banking, IT, telecommunications, media, airlines airports and travel, recruitment and certain elements of financial services We do not consider the occupation to be high risk, only the employer's line of business. If you are an IT professional working for a non IT based company, e.g. a clothes manufacturer, the you would be considered at standard rates.

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11. What is meant by separate period of claim?

Monthly benefit ceases once 12 months benefit has been paid. For unemployment claims and disability claims, where the same accident or sickness has recurred, then once the maximum 12 (twelve) payments of monthly benefit have been made, you will qualify for subsequent claims following a period of 6 (six) months' continuous employment. For disability claims where a different accident or sickness occurs, once the maximum 12 (twelve) payments of monthly benefit have been made, you will qualify for subsequent claims following a period of 1 (one) month's continuous employment. Two claim periods separated by three months or less will be treated as one continuous claim. Where a claim changes from a disability claim to an unemployment claim, or vice versa, claim payments will continue without interruption, subject only to approval of the second claim and the maximum of 12 (twelve) payments of monthly unemployment benefit in total over both claims.

12. How do I make a claim?

If you need to make a claim, it is very important that you contact the insurers sooner, rather than later. Once contacted,they will forward you all forms that need to be completed by you and your employer. Only once all forms are returned, fully completed can the insurers action your claim.

A full copy of the selected insurers key facts documents, policy terms and conditions, which includes how to claim, is in the majority of cases available on-line, or alternatively on request by e-mailing, writing to, or phoning us.

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We have found that the various policies available provide excellent value and meet the needs of the majority of our clients. However if you require a monthly benefit in excess of £1,500 per month, the above policies do not fully meet your requirements or you merely require advice, then please complete our secure enquiry form below.

Make a secure online enquiry

For permanent income protection, accident & sickness insurance only, UKinsuranceNET recommend:-

 Norwich Union, Friends Provident, Liverpool Victoria, Unum Provident & Synergy Financial. We can provide comparative quotes for permanent income protection. Please note this facility quotes for accident sickness only and not unemployment.

 Multiple income protection quotes If you would like to receive permanent income protection quotes from multiple companies, please complete the secure enquiry form below.

Make a secure online enquiry

For those people who still prefer the human touch, please call us on

0845 365 0030 quoting ref WS6

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We strive to work with the best partners in every area of financial services. To find info about other types of policy or investments click on the links to the right.