What happens if I lose my income?
Jobs provide financial security. But if we become too sick or injured to work, then what? Or what if we're made redundant?
Fear of something going wrong and not being able to control what happens in the future are two of the main causes of anxiety in adults today.
With Cover2Me you can buy peace-of-mind with a policy that provides you with a monthly benefit of up to £2,000 (or up to 65% of your annual salary before tax, whichever is the lower amount) for up to 12 months if you get made redundant or are too sick or injured to work, so that you can recuperate, or plan your next career move.
Cover2Me Benefits
Frequently Asked Questions
Cover2Me can provide an instant policy with benefits of up to £2,000 (or up to 65% of your annual salary before tax, whichever is the lower amount) per month for periods up to 12 months, if you can't work due to unjury/illness or unemployment.
Benefit is subject to excess periods. Cover for unemployment will depend on the policy you have chosen and is subject to an Initial Exclusion Period (IEP).
The sooner you take out the policy the quicker your cover will kick in when you need it. Income protection insurance policies are subject to an Excess Period (the period of time after you make a claim before you can begin to recieve the monthly payout (benefit)). For policies covering unemployment, there is also an Initial Exclusion Period (IEP), which is a period of time you will need to wait before you can make a claim for unemployment after taking out the policy. The level of these is up to you to select, to suit your own requirements, so don’t delay in getting cover.
Not all cover is the same, and we have worked hard to get you good quality cover with competitive pricing. Through our website you can buy a policy without having to have a call back, and it takes as little as 3 minutes.
For maximum affordability, we are able to offer you a price that is calculated in real time – this means we can give you clarity and control over the amount of monthly benefit you can receive based on what you can afford.
Income Protection isn't the same as PPI (Payment Protection Insurance). Whilst often limited in terms of cover, PPI can be a useful product designed for lump sum debt repayment that has been mis-sold in the past.
By comparison, Income Protection Insurance can provide a more versatile benefit in the form of a regular monthly amount paid to you to help to cover the costs of living for up to 12 months. Income protection insurance covers you if you are unable to work due to accident, sickness or (depending on your policy), unemployment. As such, you can decide how to use the monthly benefit you receive more freely.
Why choose Cover2Me?
Apart from instant extra peace-of-mind, there are many reasons to choose Cover2Me for your income protection insurance:
- Instant Policy*
- Designed for Affordability
- Self-Employment Cover
- No Third Parties
- UK Contact Centre
- Competitve Pricing
- Specialist In-House Claims Team
- Claim Status Visibility, Online 24/7
Why choose Cover2Me?
Apart from instant extra peace-of-mind, there are many reasons to choose Cover2Me for your income protection insurance:
- Instant Policy*
- Designed for Affordability
- No Third Parties
- UK Contact Centre
- Competitve Pricing
- Award-Winning Claims Service
- Specialist In-House Claims Team
- Claim Status Visibility, Online 24/7
All Content © Copyright, Cover2Me, 2024.
Cover2Me is a trading name of Chase Heptons Ltd.
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* Instant policy applies to the ability to purchase the policy fully online. The instant cover provided applies to Accident and Sickness sections of policies only. For Unemployment sections of cover, an Initial Exclusion Period of 120, 150 or 180 days will apply.
Cover2Me Income Protection Insurance is arranged by Cover2Me, which is a trading name of Chase Heptons Ltd (Companies House Number: 13603286). Registered office: New Century House, 17-21 New Century Road, Basildon, Essex, SS15 6AG. Chase Heptons Ltd is an appointed representative (FRN: 987635) of UK Oasis Group Ltd which is authorised and regulated by the Financial Conduct Authority, with firm reference number 943570. Registered address: 20-22 Wenlock Road, London, N1 7GU.
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