Income Protection Insurance for Non-UK Residents

Income protection is arguably the most valuable single policy a working non uk residents can own. It replaces a percentage of your earnings — typically 55-70% — if illness or injury stops you working. UK insurers categorise every occupation into a risk class, and your class determines both the price and the strength of the occupation definition you can buy.

For non uk residents, we shop the whole panel of providers including The Exeter, British Friendly, Holloway Friendly, Cirencester Friendly, Aviva, LV= and Zurich. Mutuals and friendly societies often beat the big insurers on price and claims experience for occupation-based applications. The right policy should provide an "own occupation" definition, meaning you are deemed unable to work if you cannot do your specific job — not just any job.

Deferred periods of 4, 8, 13 or 26 weeks match your emergency savings to the cover; the longer the deferred period, the cheaper the policy. Most non uk residentss on a PAYE contract with 4 weeks of sick pay choose a 4-week deferred period; those with savings or a partner's income can stretch it.