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We are pleased to be able to offer our clients an opportunity to obtain accident sickness and / or unemployment cover even if they have no mortgage.

In these circumstances this is the only way to insure your income against unemployment only.

Our policy has a very attractive "back to day one" rate (0 day excess), with even cheaper rates available for longer excess periods.

As general insurance advisers, we are registered with the Financial Services Authority under number 227014.

We offer products from a range of insurers. Please note: Our recommended policy is not based upon individual appropriateness, but rather we feel that its features versus its cost currently make it the best value for money policy from all those available to us. It is purchased as a non-advised transaction.

Our Income Protection policy works in exactly the same way as mortgage related Accident, Sickness and Unemployment Insurance.

Insurance can be purchased as full accident, sickness and unemployment cover; unemployment only; and accident and sickness only. The terms for this cover are to be found in the policy document above.

The majority of people who buy this policy tend to purchase unemployment cover only. These people tend to be in a situation where they have no mortgage (or pay very little mortgage or rent), but are keen to have income protection insurance in place should they be made redundant.

Due to the popularity of this insurance new applications are restricted to people aged under 50 at the time of application. Once a policy has been purchased it can be held beyond the age of 50.

If you are over 50 you can still obtain a quote. We will substitute the cheapest available policy that meets your criteria. Other policies will require you to have accident and sickness cover alongside unemployment cover, but you can buy accident and sickness cover only.

Although the cover is called unemployment insurance it would be more accurate to say that the policy would cover you in the event of involuntary redundancy. Most policies offering unemployment insurance provide similar cover.

You are able to protect up to 60% of your gross proveable earnings, with an upper limit of £1,500 per month.

In the event of a claim you would be required to provide evidence of your income and your regular proveable expenditure.

Some people who already have a mortgage related policy buy this cover as well. This is so they cannot only adequately pay their mortgage but also have some additional funding for themselves. All of the policies available on this website can be run in tandem. If you already own a mortgage payment protection policy and want to buy stand alone income related cover, please check with your existing insurer that they will allow you to run policies in tandem.

If you purchase this policy to run alongside a mortgage linked or similar policy, the total of all the cover you purchase must not exceed 60% of your income.

The policy has no specific term, however you must have earned proveable income at the time of a claim.

Our simple on-line quote will provide you with an indication of cost. You can alter the quote until you arrive at a benefit and premium that meets your needs. If you want to apply for cover you can do it all on-line in a matter of minutes.

Although we feature this policy, we do have a range of other policies and options available to us. If you can't see what you want, or if you just need more information, please feel free to contact us on 08450 55 95 65.

These notes are intended as a guide only.

Upon application we will confirm you have supplied all necessary information, and inform you of the terms and conditions of the selected provider, before the policy comes into force.

If you think these notes are incomplete or misleading in any way, please contact us immediately.