Peace of mind if you're ever off work with an illness or injury
What is Income Protection?
Do you need Income Protection in the UK?
Most UK employers only offer sick pay for a few months at most, and state benefits can be quite limited. Having your own plan ensures the mortgage and bills are always sorted, no matter how long your recovery takes.
How much does Income Protection cost?
Your premium depends on your health, whether you smoke, and the level of cover you need. Your job also plays a big part. Insurers usually group roles into four classes based on the daily risks you face:
Class 1
Office based roles, managers, and administrative staff.
Class 2
Skilled manual workers, shop workers, those who travel for business.
Class 3
Skilled trades like plumbers, teachers, and care workers.
Class 4
Heavier manual work such as construction, mechanics, or bar work.
Because some jobs carry a higher risk of injury, those in Class 4 may pay a little more than those in Class 1. We will work with you to find the best value option for your specific trade.
Additional cover from other leading insurers is also available.
Looking for something else? We're here to help.
From family protection and mortgages to specialist commercial cover, we’ve got you sorted. Because we’re part of a wider group of financial and wealth management specialists, you get the best of both worlds: professional, big-picture expertise delivered with a friendly, personal touch.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Commercial Lending, some Bridging Finance, most Buy to Let mortgages and Estate Planning are not regulated by the Financial Conduct Authority.
Trusted by thousands of happy customers
We’re part of Openwork Ltd, one of the UK’s leading financial networks, to bring you expert advice you can trust. At BVS Protection, our qualified advisers don’t believe in 'one size fits all.' We’re constantly refining our standards to make sure the cover we recommend is perfectly suited to you and your family.
Want to speak with an adviser?
Good protection advice starts with a clear conversation. If you would like to explore your options, our advisers are here to listen, answer your questions and help you understand what may be suitable for your needs.
Your first conversation is informal and there is no obligation to proceed. You can contact us using the details below.
Contact us by phone
Call us on 020 7183 8343, Monday to Friday, 9am–5pm
Contact us by email
Email us at [email protected].
Chat to us online
Select the chat icon to speak with us online.
Complete our online form and one of our team will get back to you.
We take your privacy seriously. By submitting your enquiry, you agree that BVS Protection and Openwork may use your details to respond to your enquiry and provide the services you have requested. If you choose not to proceed, we will keep your records only for as long as necessary, in line with our data retention policy. Please read our Privacy Policy for details on how your data is used, shared and protected.
BVS Protection is a trading name of BVS Mortgages & Financial Services Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on XX/XX/XXX.
BVS Mortgages & Financial Services Ltd is registered in England. Registered Number: 10967395. Registered Address: Churchill House, 120 Bunns Lane, London, England, NW7 2AS.
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The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it. Wills and Lasting Power of Attorney are not regulated by the Financial Conduct Authority
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