Income Protection vs Personal Accident (UK): What’s the Difference?
TL;DR
Income Protection vs Personal Accident (UK): What’s the Difference?. Income Protection vs Personal Accident that replaces up to 70% of your salary if illness or injury prevents you working. Compare UK income protection policies.
Understanding income protection vs personal accident is important when planning your financial protection. Income protection insurance pays you a regular monthly income if you're unable to work due to illness or injury.
Key Points
- Ensures bills are covered when Statutory Sick Pay isn't enough
- Typically covers 50-70% of your gross salary
- Payments continue until you recover, retire, or the policy ends
- Can cover almost any illness or injury that prevents work
Who Is This For?
This information is particularly relevant if you're self-employed, a contractor, or anyone without comprehensive employer sick pay. If losing your income would affect your ability to pay bills, rent, or mortgage, income protection provides a financial safety net.
Next Steps
Our FCA-regulated advisers can help you find the right income protection policy for your circumstances. We compare the whole market to find cover that fits your budget and needs.
Frequently Asked Questions
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Content reviewed: January 2026
CeMAP awarded by The London Institute of Banking & Finance. Cert CII (MP) awarded by the Chartered Insurance Institute.