What Does Income Protection Insurance Cover — and What Doesn't It?

If you're considering income protection, you may be wondering exactly what it covers — and what it doesn't. Understanding this can help set realistic expectations.

What Income Protection Typically Covers

Most UK income protection policies cover:

• Illness
• Injury
• Long-term medical conditions
• Some mental health conditions

Cover applies when the condition prevents you from performing your job.

What Is Not Usually Covered?

Common exclusions may include: pre-existing conditions (depending on policy); self-inflicted injuries; unemployment; certain high-risk activities. Policies vary, so it's important to review terms carefully.

Why Definitions Matter

Insurers define incapacity differently. Some policies cover you if you cannot perform your specific occupation. Others may use broader definitions. This is why regulated advice can be helpful.

If you'd like to understand what income protection policies could cover in your situation, you can see your income protection options with no obligation.