Before you get a quote for income protection, you should check you are eligible for cover. Provided you meet all our eligibility criteria, you can get an income protection quote online straight away. You'll be able to take advantage of immediate cover in case you're unable to work due to unemployment, illness or an accident.

On the policy commencement date you must:

• be aged between 18-64
• live permanently in the UK
• be working (not self-employed) for at least 16 hours per week, or on statutory maternity or paternity leave
• have applied for cover and agreed to pay the monthly premium

If you are absent from work when your income protection starts due to an accident or illness, your cover will not be effective immediately. Your accident and sickness cover will start for new conditions when you have returned to work for a continuous period of at least 30 days.

 

The policy does not cover you for any period of unemployment that you knew to be impending when you took out the policy, or within 90 days of taking out the policy, whether or not you have received official notice.

It's quick and easy to get covered with Churchill. Your income could be protected against accident, illness and unemployment in a matter of minutes.

• Check you're eligible for cover and agree with our terms of use
• Calculate the amount of cover you need
• Get an income protection quote using our safe and secure system
• Buy online for immediate cover