Your bills don’t stop if you’re off sick - and neither should your income. With the right advice, you can focus on recovery, not your bank balance.
Keeps your income flowing, even if you’re not.
If you’re signed off work due to illness or injury, income protection gives you a regular monthly payment - like a payslip that hasn’t skipped a beat.
Not just a rainy day plan - it’s for the long haul.
Many policies can keep paying until retirement if needed. So whether it’s a few months or a few years off work, you’re backed up the whole way.
PAYE or own boss - we’ve got you.
Self-employed? No sick pay? No worries. Income protection steps in for both salaried workers and business owners when illness stops the money coming in.
Not one-size-fits-all. We make it fit you.
We help you choose a policy based on your job, income, health and lifestyle - so you’re not paying for stuff you don’t need, and not missing out on what you do.
Your cover starts when your sick pay stops.
Income Protection can be timed to kick in after your sick pay ends - whether that’s four weeks or six months or no sick pay at all. We help you align it to avoid any income gaps.
Because no one plans to get poorly.
If illness keeps you off work, you won’t need to panic about bills - or dip into your hard-earned savings. Rest, recover, and keep life steady without draining what you’ve built.
We don’t like to think about it, but illness or injury can stop anyone in their tracks - even the healthiest, hardest-working people. And when you can’t work, the bills don’t hit pause.
Whether it’s your rent or mortgage, groceries, or keeping the heating on for your family - Income Protection helps make sure life carries on, even when you can’t.
With the unpredictability of life, we all know that the unfortunate can happen to us at any moment. But you might be asking yourself, when can Income Protection come in handy?
You may have the option of claiming Statutory Sick Pay from your employer, but since it only covers less than 20% of average earnings in the UK, it’s worth asking, would £118.75 a week be enough to cover items such as utility bills, mortgage/rent payments, food shops, childcare costs and lifestyle expenses?
Explore Mortgage Protection 🏠
1 in 2 people will experience a period of ill health lasting over a month during their working life.
(Source: LV= Risk Reality Report 2023)
Mortgage or rent is the biggest monthly outgoing for most UK households - Income Protection ensures it still gets paid, even when you’re off sick.
(Source: ONS, 2024)
Only 6% of UK workers have Income Protection in place - despite most agreeing they couldn’t cope without their salary.
(Source: Which?, 2023)
Over 60% of UK adults lack a plan if they couldn’t work for three months or more.
(Source: Royal London, 2024)
Self-employed workers are 3x more likely to have no cover in place if they get sick or injured. With no employer sick pay to fall back on, many are left financially exposed - facing unpaid bills, mounting stress, and uncertainty during recovery. Income Protection can be a safety net that keeps life moving, even when work can’t.
(Source: Protection Review, 2024)
The average household in the UK would run out of savings in just 32 days if income stopped.
(Source: Money Advice Service, 2023)
The average UK employee only gets Statutory Sick Pay - just £118.75 a week - barely enough to cover food, let alone rent or bills. For most people, that sudden drop in income could cause real financial strain in just a few weeks.
(Gov.uk 2025 rate)
In 2023, UK insurers paid out £726 million in Income Protection claims - with over 95% of claims accepted.
(Source: ABI, 2024)
Musculoskeletal issues, mental health and cancer are the top three causes of long-term absence from work.
(Source: Zurich Claims Data, 2023)
For self-employed folks or those with little to no sick pay, that support can be the difference between a bump in the road and a financial freefall.
Running a business? We’ve got cover to protect you, your company and the people who help it thrive.
Protect Your Business 👔
It’s a policy that pays you a monthly income if you can’t work due to illness or injury. It helps cover essentials like rent, bills, or even the weekly food shop - so you can focus on getting better without money worries.
Life Insurance pays out when you pass away. Critical Illness pays a lump sum if you get a serious illness. Income Protection pays you a regular income if you’re too unwell to work - whether short-term or long-term.
It depends on things like your age, job, health, and the level of cover you want. The good news? We’ll tailor it to your budget and only recommend what’s right for you.
Typically up to 60-70% of your pre-tax income, paid monthly and tax-free. It’s designed to help you keep life ticking over while you get back on your feet.
You decide - it could be 1, 2, or 5 years, or even right up to retirement age. We’ll help you pick a term that matches your needs (and your sick pay, if you have it).
Yep! It’s really common. Your policy can kick in when your sick pay ends, so there’s no overlap - just continuous cover if you’re off work for longer than expected.
Many people only get the basic £118.75 a week (Statutory Sick Pay). That doesn’t go far. Income Protection gives you a reliable top-up or replacement income.
100%! If you don’t have employer sick pay, this kind of cover is even more important. We help self-employed folks protect their income every day.
We’ll happily review your current policy for free. If it’s solid - great! If not, we’ll show you where it can be improved (no pressure, no hard sell).
No, not if you’re with Waddle. We only work with insurers who are known for fair, fast claims - and if the time ever comes, we’ll be right by your side. From paperwork to chasing things up, we’ll take the stress and burden off your hands so you can focus on what matters most: getting back on your feet.
If you’re genuinely off work due to illness or injury - and your doctor agrees a tropical island is part of your recovery - who are we to argue? (Just don’t forget Travel Insurance.)
Already have protection in place? We believe your cover should grow with you. Our friendly Policy Check reviews what you have, highlights strengths and gaps, and gives honest, expert advice to keep your cover working its best for you.
