⚡ Quick Answer
Life insurance starts from £5/month for a healthy 30-year-old. Income protection pays up to 70% of your salary if you can't work due to illness. Critical illness pays a lump sum on diagnosis of a serious condition. Get comparison quotes in minutes.
Types of Protection Insurance
Pays a tax-free lump sum on death. From £5/month.
Pays monthly income if you can't work. Up to 70% of salary.
Lump sum on diagnosis of cancer, heart attack, stroke etc.
Expert Tip
Income protection is often more valuable than life insurance for working-age people — you're much more likely to be unable to work due to illness than to die. MoneyHelper guide to insurance you need ↗
Frequently Asked Questions
- Check excess and exclusions, not just price — the excess is part of the price
- Never auto-renew — re-quote the market at every renewal
- Declare everything accurately — shared claim databases catch omissions
- Buy 20–26 days before the start date — the consistently cheapest window
What Actually Moves the Needle
Renewal pricing still drifts upward despite FCA reforms. The FCA banned pure price-walking in 2022, but insurers still compete hardest for new business. Treat every renewal letter as an invitation to shop.
Claims history follows you across insurers (CUE and similar), so declare accurately — non-disclosure voids cover precisely when you need it. An 'innocent' omission discovered at claim time is treated as if you never had cover.
The most expensive mistake isn't overpaying — it's underinsuring. If you insure contents worth £60,000 for £25,000, insurers can apply 'average' and halve every claim, not just cap it. Recalculate your sums insured after any big purchase.
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