Life doesn’t pause when your paycheque does.
Income protection pays you a monthly income if illness or injury stops you working. We explain it in plain English, then introduce you to an independent broker who compares the market for you.
- No obligation
- Consent-led
- FCA-regulated brokers
Did you know?
Statutory Sick Pay is under £125 a week and stops after 28 weeks.
Built for people whose bills don’t stop when work does.
Self-employed & freelancers
No employer, no sick pay. Income protection is one of the few policies designed with you in mind.
Learn more
Contractors & tradespeople
Day rates and physical jobs. Insurers price your occupation carefully, so a broker who knows the market matters.
Learn more
Employees on basic sick pay
If your employer only pays Statutory Sick Pay, cover bridges the gap between that and your real outgoings.
Learn more
~1 day
until a broker gets in touch
Four steps. None of them involve a hard sell.
- 1
You fill in the form
Two minutes of basics. We check it’s complete and pass it on the same working day. We never call you ourselves.
- 2
A broker gets in touch
An adviser from our partner brokers phones or emails, usually within a working day, to ask about your health, work and budget.
- 3
They compare the market
Quotes from several insurers, explained properly. Any recommendation comes from the broker and is their responsibility.
- 4
You decide
Take a policy, ask for changes, or walk away. Nothing is arranged until you say so.
Read up before you decide. No jargon, no pressure.
4 min read
What is income protection, and do I need it?
The plain-English version: what the policy does, how the waiting period works, and who tends to benefit most.
5 min read
How much does income protection cost?
What drives the premium, some realistic ranges, and the three choices that make the biggest difference to the price.
4 min read
Income protection if you’re self-employed or a contractor
Yes, you can get it. Here’s how insurers assess your income, what they’ll ask for, and what to watch out for.
4 min read
What does income protection actually cover?
The conditions that make up most claims, the common exclusions, and why honesty on the application form is everything.
Ready? Let’s get you some numbers.
A two-minute form and an independent broker will come back with real quotes for your circumstances. Free, and you’re never obliged to buy.
- Your details go only to our partner brokers, only once you tick the consent box.
- We keep your enquiry for 12 months, then delete it.
- Withdraw at any time by emailing privacy@protectmywage.com.
Things people ask before they enquire.
How much does income protection cost?
It varies a lot. A healthy 30-year-old office worker might pay £15 to £30 a month; a 45-year-old in a manual trade could pay several times that. Age, health, smoking, occupation, cover amount and the waiting period all feed in. Full cost guide.
Can I get income protection if I’m self-employed or a contractor?
Yes. It’s one of the few policies designed with self-employed people in mind, because you have no employer sick pay. Insurers use your average earnings over the last one to three years. Read the self-employed guide.
What does income protection cover?
Loss of income because illness or injury stops you doing your job, including mental health and musculoskeletal conditions. It doesn’t cover redundancy or being unable to find work. What’s in and what’s out.
Is there any obligation, and what happens to my details?
No obligation. Your details are shared only with our partner brokers, only after you tick the consent box, and only so they can provide quotes. ProtectMyWage is a lead-generation service, not a financial adviser. Privacy policy.