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Income protection insurance

If you’re unable to work because of illness, an income protection policy pays out a proportion of your monthly income, offering peace of mind and security against lost earnings until you were able to work again.

  • Get a quote through our sister company Usay

  • Tailored cover

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Why choose income protection insurance with us?

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Future-proof your income

Safeguard the future of your income.

Tailored income protection cover

Get cover that is relevant to your needs.

Income protection when you need it

Income protection insurance that pays out when you need it to.

Pay by Direct Debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

What does income protection insurance cover?

Peace of mind through income protection insurance

If you’re unable to work because of illness, the policy pays out a proportion of your monthly income, offering peace of mind and security against lost earnings until you were able to work again.

Cover self-employed income

If you are under 60 and are self-employed, with no sick pay to fall back on - meaning if you don’t work, you don’t get paid - income protection insurance can cover your lost earnings until you can work again.

Income protection insurance experts

Usay Compare are a market leading comparison service and, like Everywhen, are part of The Ardonagh Group. Their team of experts will take out the hard work of finding a suitable income protection policy by supplying the best and most cost-effective quotes for you and your specific needs.

Get a free no-obligation quote

Usay Compare's expert advisers can both advise you on the best income protection insurance policy for you, and search the market for the best price.

Get a quote from Everywhen today

Searching for income protection insurance quotes? Let us help you find the right policy quickly and easily. Just fill in our quotation form or call us to get started.

How do income protection insurance claims work?

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.

  • Call the claims team on the claims number in your policy documents and explain exactly what happened.

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Income protection insurance FAQs

Wondering about something? Don't worry, Everywhen's here to help. We've put together some common questions about income protection insurance cover to support you every step of the way.

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This policy pays a tax free weekly or monthly lump sum while you are off work for any health-related reason.

It covers up to 70% of your monthly income, helping pay your ongoing bills. There are different levels of cover you can chose to suit your financial needs and budget.

Yes.

This depends on your circumstances:

  • Your income protection policy will have a deferral period – usually between 1 and 52 weeks - and if your company offers full sick pay, then you would only need to claim once that ends.

  • If your company only offer statutory sick pay, then you may wish to opt for a shorter deferral in order to cover the loss of income. 

  • If you are self-employed, again a shorter deferral will likely be needed. 

Note that the shorter the deferral period, the larger your premium will be.

Yes.

We have provided a summary of the key features of the policy above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

Most policies do exclude drug and alcohol misuse and self-inflicted injuries. 

Each year one million workers find themselves unable to work (ABI).

If you are of working age, have monthly outgoings and don’t have indefinite sick pay from your employer – or enough savings to keep you going indefinitely – you should consider this policy.