Budget-Conscious Families
When long-term income protection feels too expensive, short-term policies give you some cover at a more affordable premium.
Payment Protection Insurance / Short Term Income Protection Insurance
Sometimes you just need cover for a shorter period or a more affordable option than full income protection. Short term income protection gives you monthly payments for 1-2 years if you can't work due to illness, injury, or unemployment.
This information is for guidance only and does not constitute financial advice.
Short term income protection guide
When you need temporary cover, short term income protection is designed for people who want some financial security without the higher costs of long-term policies. It typically pays up to 70% of your income for 12-24 months, giving you breathing space to recover and get back to work. Many policies also include unemployment cover as an option.
How short term income protection works:
- Pays monthly tax-free income for 1–2 years (some policies offer up to 5 years)
- Covers up to 70% of your gross earnings
- Includes accident, sickness, and often unemployment cover
- Waiting periods typically range from 4 weeks to 6 months
- More affordable than long-term income protection insurance
- Some policies include back problems and mental health conditions
Comprehensive short-term cover that includes illness and injury. Popular choice for those worried about job security as well as health issues.
Covers illness and injury but excludes unemployment. Usually more affordable and suitable if you have job security or want to focus on health-related risks.
Who benefits from short term cover?
Those with Good Employer Benefits
If your employer provides reasonable sick pay, short-term insurance can top it up or kick in when that stops without over-insuring unnecessarily.
Younger Workers
Early in your career when you have fewer financial commitments, short-term cover provides basic security while you build savings.
Specific Debt Protection
If you're self-employed and want some limited protection tied to a credit card, loan, or mortgage, these short policies work well.
How we help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
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We've helped hundreds of families find affordable short-term protection that fits their budget and circumstances.
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We'll help you find cover that fits your budget and gives you peace of mind when you need it most.