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Income protection insurance is a policy designed to replace your income if...
Some jobs naturally carry more risk than others, placing certain workers in...
Some jobs naturally carry more risk than others, placing certain workers in challenging situations daily. From construction sites to open waters
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As a business owner or manager, protecting your company against unexpected risks...
Different businesses have different needs, so there’s no such thing as a...
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Income Protection Insurance—also known as guaranteed sick pay—provides you with a regular, tax-free monthly income if you’re unable to work due to illness or injury. Whether you’re self-employed, a contractor, or simply don’t have full sick pay through your employer, this cover acts as your financial safety net. At The Insurance Surgery, we specialise in helping people across the UK get tailored access to private sick pay insurance—including exclusive guaranteed sick pay policies that protect your income when you need it most.
Guaranteed sick pay insurance gives you control, flexibility and peace of mind—with policies that can pay from day 1 and last until retirement if needed.
Income Protection policies through The Insurance Surgery work by replacing a percentage of your income when you’re unable to work due to medical reasons. Here’s how:
All occupations and many medical backgrounds considered, including high-risk jobs.
Guaranteed sick pay insurance is ideal for:
We help you find a tailored policy that fits your budget, occupation, and health history—even if you’ve been declined elsewhere.
It’s a form of income protection insurance that guarantees you receive a monthly income if you’re off work due to illness or injury. It supplements or replaces SSP and employer sick pay.
Yes! You won’t qualify for SSP, but you can get cover through income protection insurance. We’ll help you choose a policy and guide you through proving your income with accounts or tax returns.
Up to 70% of your pre-tax income can be insured, paid to you tax-free while you’re off work.
No. Critical illness cover pays a lump sum for specific serious conditions. Income protection pays a regular income for any illness or injury that prevents you from working (not limited to a list of illnesses).
Yes. You can make multiple claims over the life of your policy as long as you meet the eligibility criteria.
No. Income protection insurance covers illness and injury—not unemployment. However, we can advise you on additional cover options for job loss protection.
Premiums are based on:
The Insurance Surgery helps you compare the best-value UK policies for your circumstances—so you get the right protection at the right price.
Whether you’re self-employed or just don’t have reliable sick pay from work, we’ll help you find a life insurance policy that gives you financial peace of mind when you need it most.
Don’t wait for something to go wrong—protect your income now.
Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
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