Why do tilers need critical illness cover?
Tiling is physically demanding work that puts strain on knees, back, and hands. A serious illness — whether related to physical wear or an unrelated condition like cancer or heart attack — can halt earnings instantly. Critical illness cover provides a tax-free lump sum to cover costs during recovery.
What does critical illness cover pay out for?
Most UK policies cover 30–50 serious conditions, including cancer, heart attack, stroke, multiple sclerosis, and organ failure. The payout is a tax-free lump sum — use it to clear debt, fund treatment, or replace lost income.
How much CIC do tilers need?
A good starting point is 3–5 times your annual salary, or enough to clear your mortgage plus 12 months of living costs. Tilers are typically offered standard rates for critical illness cover.
How much does CIC cost for tilers?
A healthy 35-year-old tiler can typically get £100,000 of cover for £25–£50 per month. Use our comparison tool to get personalised quotes.
Frequently Asked Questions
Not necessarily — CIC premiums are based primarily on age, health, and smoking status. Tilers are typically offered standard rates for critical illness cover.
Yes — payouts from personal critical illness policies are completely tax-free in the UK.
Many people choose a combined policy for simplicity. However, standalone CIC gives more flexibility to adjust each policy independently.