Will you cover pre-existing conditions?

Whilst we aim to have your back in as many scenarios as possible, not every circumstance is eligible for cover. The following wouldn’t be covered under your policy: any pre-existing sickness, condition or injury (whether diagnosed or not) that you’re aware of at the start date of your policy any sickness, condition or injury causing you to see or arrange to see a doctor/consultant during the 12 months prior to the start date of your policy

Income Protection Insurance, Sickness Insurance Policy

Designed with you in mind We created Income Protection to be the perfect fit for those who are self-emplyed
No proof of contract required to benefit We understand self-employment. Your work may fluctuate but we won’t penalise you for that
Pay only for the cover you need You get to choose how much your policy pays out. What could be simpler?
We’ll cover you even if you work offshore This policy provides cover to energy sector workers, meaning that offshore workers no longer have to go without a valuable safety net.

Good to know Over 100,000 contractors just like you, have trusted Qdos to insure their businesses

Protect your income when you need it most

Becoming ill or injured and unable to work is stressful enough without considering how time off will impact your income. Taking a step back from your business to get yourself fighting fit really shouldn’t be that difficult.

Income Protection makes it simple. You take the time needed to recover, and Income Protection ensures you remain financially comfortable without the stress of wondering how you’re going to pay your bills.

If you were to suffer disease, sickness, bodily injury, whether this is as a direct result of your work or not, Income Protection will provide a monthly benefit at an amount of your choosing, plus a fixed benefit of £25,000 in the event of accidental death.

Whilst most sickness insurance policies won’t pay out without proof of an ongoing contract of work, ours doesn’t work like that. If you’re unable to work, that means you’re probably unable to seek a new contract. As such, our Income Protection doesn’t require you to show proof of a contract in order to receive a benefit. As long as you’re signed off by a doctor, your monthly benefits will continue (up to a maximum of 12 months).

Accidental Death

We’ll provide a £25,000 lump sum should the worst happen

12 Months of Income Protection

Monthly benefits are provided up to 12 months, following a 30 day excess period

Illness, Disease, and Bodily Injury

Get up to £5,000 for every 30 consecutive days you’re unable to work

Frequently Asked Questions

Income Protection insurance is a type of income protection insurance policy that provides you with a financial benefit should you be unable to work for medical reasons. Sick pay insurance policies vary from provider to provider, offering different limits and payment schedules.

It provides a monthly benefit in the event that you find yourself unable to work due to illness, bodily injury or disease, and a lump sum in the event of accidental death. This means you can take the time you need to recover without having to worry about bills mounting up.

Whilst we aim to have your back in as many scenarios as possible, not every circumstance is eligible for cover.

The following wouldn’t be covered under your policy:

any pre-existing sickness, condition or injury (whether diagnosed or not) that you’re aware of at the start date of your policy
any sickness, condition or injury causing you to see or arrange to see a doctor/consultant during the 12 months prior to the start date of your policy

Yes! Because you wouldn’t be paid statutory sick pay by your client, this type of insurance may be particularly important.

This insurance has been designed specifically for the self-employed to protect your income if you become unable to provide your services due to medical disablement.

If the income you receive from your business makes up an essential part of your household income, our Income Protection insurance might be for you. This cover applies to injuries and illnesses sustained even if nothing to do with your services, this policy really is suitable for anyone, not just those working in industries with a higher physical risk.

It’s worth considering if you don’t get employment benefits, or such benefits wouldn’t be enough to pay your bills.

If you suffered a long-term illness or injury which prevented you from providing your services, would you be able to cover your monthly expenses? With Income Protection, you choose how much your policy pays out each month based on what you would need.

You can cancel this insurance at any time by contacting our Insurance & Customer Service team.

If you cancel within the first 14 days from the inception date of your policy, you will be entitled to a full refund of the premium paid.

If you cancel outside the first 14 days from the inception date of your policy, you will be entitled to a pro-rata refund after deduction of a £20.00 cancellation fee.

No refund will be provided if you cancel your policy after the insurer has paid a claim.

If you are considering cancelling your insurance, we recommend that you read the important information regarding the implications of cancellation, which are available here.

Policy documents

Income Protection Insurance 0625

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Income Protection Insurance IPID 0325

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Why Qdos?

Award-winning cover with the self-employed in mind, Qdos’ Income Protection Insurance is backed up by an experienced team who want to help keep you trading.

More ways our policies are made for contractors

All of our policies include the following as standard:

A dedicated Account Manager

We'll never pass you around a call centre

Online account for 24/7 access

Manage your policies at a time that suits you

Price Match Promise

If you find an equivalent policy elsewhere, we promise to match the price

Rewards when you refer a friend

Get £30 and give £20 to your friend (in Amazon vouchers)

Compare self-employed accident and sickness cover