Sick pay is usually only paid by employers for a short period of time (this can vary from as little as 2 weeks to 52 weeks depending on the employer). If you are self employed it is unlikely you will have any cover at all. Should you injure yourself or become long term sick you still need to pay your bills and your mortgage. Income protection is usually two types. Long term which pays out until a fixed agreed point (either death, an agreed age or your return to employment). Short term which pays out for a fixed term of usually one to five years.
Speak with one of our fully qualified advisers today who can advise you on the whole of the UK market of income protection providers.
You will receive a Key Features document prior to taking out the policy, this will set out in detail any conditions of limitations of the policy.