Income Protection
personalPays a regular monthly income if you are unable to work due to illness or injury. Covers up to 60–70% of your gross income until you recover, retire, or the policy term ends.
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.
Typical Annual Premium
£200 – £1,500per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓Monthly income payment (up to 60–70% of gross earnings)
- ✓Covers any illness or injury preventing work
- ✓Short or long-term payment periods
- ✓Own occupation or any occupation definition
Key Exclusions
- ✕Pre-existing conditions (moratorium basis)
- ✕Unemployment (redundancy) — not covered
- ✕Self-inflicted injury
How to Make a Claim
- 1
Submit claim after the deferred period (typically 4–26 weeks)
- 2
Provide medical evidence from GP or specialist
- 3
Monthly benefit payments commence after claim approval
Available In
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Get a Free QuoteFrequently Asked Questions
What is the deferred period on income protection?
The deferred period is the waiting time between your inability to work and the first payment. Shorter periods (4 weeks) cost more. Choose a deferred period that aligns with how long your employer sick pay or savings would last.