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Income protection insurance

Compare income protection insurance quotes


  • Choose to protect your lifestyle for up to 24 months with a short-term policy, or until you retire or go back to work with a long-term policy
  • You could use the monthly payout to cover your mortgage or rent and other essential bills
  • Also known as accident, sickness and unemployment insurance (ASU)


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Income protection insurance - What you need to know

If you opt for all three elements of an income protection insurance policy (Illness - sick and unable to work, Accident - had an accident leaving you unable to work or Unemployment - become unemployed) it'll be there to help pay your bills so that you can maintain your standard of living while you're not able to work.  

By paying a monthly premium, if any of those circumstances happen, your income protection policy will kick in to allow you to cover your bills, such as:

  • Monthly mortgage or rent
  • Loan and credit card payments
  • Utilities, TV license etc.

Long-term or short-term?

We compare two different types of income protection, long-term and short-term. You can pick which you'd prefer during your quote, but what's the difference?

  • Long-term - these policies tend to carry on until either you're able to go back to work, or you retire and give you a tax-free regular income
  • Short-term - typically, these policies will only pay out for up to 12 months, as opposed to until you're fit to return to work, or retire (i.e. a long term policy)

While your policy is paying you a regular amount of money, depending on who your policy is with, you could still able to claim sick pay and any other benefits you're entitled to.

Customise your quote

As well as picking between long-term and short-term income protection policies, you can also tailor your quote to your needs, defining things like:

  • How long you want the cover to pay for
  • How much cover you want, depending on who your policy is with, this could be as much as £15,000
  • The circumstances you want to cover to protect your bills, lifestyle, income and mortgage

To go ahead and get a quote, click the 'Get a quote button'.

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Secure your future with short term income protection

Redundancies, injuries or debilitating illnesses can come out of nowhere. 

If any of these were to happen, you'd still need to pay your mortgage or rent and bills. An income protection policy could help to cover those bills until you're ready to return to work*.

Income protection insurance could help cover any of a number of typical, regular expenses in your life. You could make your loan payments, keep the lights on or repay credit cards in your time of need. Simply tell us about your current circumstances using our online form and we'll fetch our best income protection insurance quotes for your needs.

*Depending on your policy, this could be limited to 24 months, or on a long term policy, until you retire.

Confused.com Lifestyle Protector is provided by ActiveQuote Health Ltd of 1st Floor Cambrian Buildings, Mount Stuart Square, Cardiff Bay CF10 5FL, registered in England and Wales 6765845. ActiveQuote Health Ltd Authorised and regulated by the Financial Conduct Authority (FCA Reg No. 501109).

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