Accident Protection

If you could predict the future, you could plan ahead and make life a little bit easier. Unfortunately, we all know life isn’t like that.

Whilst there are changes you can make to your lifestyle to reduce the chance of being involved in an accident, there is no way of eliminating the risk entirely. What would you and your family do if an accident prevented you from working? Worse still, how would your family cope financially if this resulted in permanent disability?

Accident Protection is specifically designed to give you financial protection by providing a cash lump sum if you were to suffer from a specified accidental injury.

Income Protection

Income Protection Insurance pays out a regular tax-free income if you become unable to work because of accident or sickness.

It could help you keep up with your mortgage repayments and other living costs until you’re able to return to work.

Policies have a waiting period before they pay out, which begins when you become unable to work. The longer the period chosen, the lower your premium. It’s a good idea to find out what your employer would pay you, and what state benefits might be available so you can choose an appropriate waiting period.

The premium you’ll pay will vary depending on your age, health and the level of income you wish to protect.

Income & Expenditure Calculator »

Download our guide to personal and family protection.

Personal Finance

The British public's expectations for inflation in a year's time have risen to a five-year high but fewer people expect an interest rate hike over the next 12 months, a Bank of England survey showed on Friday.
British house prices rose at their slowest pace in six years in the three months to November, mortgage lender Halifax said on Friday, the latest sign of weakness in the housing market as Brexit approaches.
Temporary staff in Britain had their biggest pay rises in more than a decade last month as the approach of Brexit made workers wary about changing jobs, leaving employers scrambling to fill positions, a survey of recruiters showed on Friday.
Institutional investors have grown more cautious about the outlook for British assets ahead of a key vote on Brexit in Parliament next week, according to a quarterly survey by State Street Corporation .
British house price growth picked up slightly this month from October's five-year low, but the future outlook remains depressed by an uncertain economy and a squeeze on household budgets, major mortgage lender Nationwide said on Friday.