Salary Protection Insurance

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Salary Protection Insurance or ‘Income Protection Insurance’ provides policy holders with financial security in the event of a sudden loss of income, usually caused by an unexpected dismissal, accident or serious illness.

Depending upon the nature of the policy, salary protection insurance can cover customers for a period ranging from 12 to 24 months (short term income protection) to over 24 months (long term income protection).

For short term salary protection cover this type of insurance policy provides financial breathing space. Payments are made tax free and cover can be the lesser of £1500 pm or 50% of salary.

If you opt for unemployment cover terms apply so it is important to read the policy wording before you commit to this type of insurance. 

For short term salary protection quotes see below:  

Short Term Income Protection - Online Quotes
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Short Term Income Protection InsuranceUp to £2,500 per month or 65% of Gross Salary (whichever is lower)Price Beat Guarantee - Widest Cover - Online QuotesGet Quotes >

In order to be eligible for this type of policy, insurers may have several requirements that customers maybe expected to fulfil. The following are some examples:


  • The policy holder must be a permanent UK resident
  • The policy holder will usually be expected to have been employed for a minimum of six months prior to the beginning of the agreement
  • The policy holder must be at least 18 years old, and after retirement age the policy will no longer be valid
  • Many long term policies may not provide financial cover for any loss of income caused by a pre-existing medical condition

Although salary protection insurance may seem prohibitively expensive for some people, it should be remembered that the cost of premiums can be significantly reduced in certain circumstances. When searching for an insurance quote, it is advisable to carefully consider the length of your excess period, as it can significantly reduce the cost of premiums.

It is also important to consider the type of policy that may be required; as a less expensive short term policy may be more preferable to a more medical illness related long term income protection policy.


For long term income protection quotes and advice use the service below:

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Case Example

When Sarah Harding, a self employed photographer become involved in a serious car accident on her way to a photo shoot, she was rendered unable to work for several months due to the severity of her injuries.

Luckily however, her salary protection insurance provided her with the adequate financial cover that kept her going during the course of her recovery.

‘As a person who is self employed I’ve really relied on my independence in the past, my injuries could have left me really vulnerable but luckily, the money I’ve received has kept me afloat’

After several months of rehabilitation and treatment, Sarah has now thankfully been able to return to her job as a photographer.