You can save up to an additional 15% if you receive full sick pay benefits from your employer...

If you work in the Private or Public Sector and receive full sick pay from your employer of between 1 - 6 months then you can save an additional 15% by applying for our new Public Sector Income Protection policy (although called Public Sector it is available for private employees as well).

The policy is identical in nearly all respects to our standard policy apart from offering a cheaper premium because we allow for the delay in claiming for accident or sickness benefit. This delay is because you may not receive benefit whilst in receipt of full sick pay therefore our policy allows you to defer your Accident and Sickness whilst keeping your Unemployment (if you choose this option) as Back to Day 1 Please click here to find further details regarding our "Back to Day 1" cover.

With this policy you will also receive the FULL amount of your benefit once you are claiming half sick pay from your employer.

If you want to apply for this insurance?

Please use the Policy Documents, Quick Quote and Application page by clicking in the box on the right.

Once you submit your online application you policy will start within the next two working days. Your Welcome Pack, which will include your Policy Schedule, Policy Summary and Terms and Conditions will arrive by post within 7-10 days.

No money will be taken from your account until 10 days after receipt of your Welcome Pack. There are 4 Direct Debit dates available , the 7th, 14th, 21st and 28th of each month. Your allocated date will be notified to you with your Policy Schedule and you may change this date at this point if you wish.

Please note: This policy is the same as our standard Income Protection other than you can protect only up to £1,500 per month.