Sports Enthusiasts, Builders, Tradesmen: Don’t let an accident or illness ruin you financially.
If you’re looking for accident & sickness insurance to cover your sport or trade then this is the policy for you… This cover will pay out up to 60% of your income tax-free, but not just for time off work from sporting injuries; it will also cover you for any accidents at work, as well as for any illness.
Our philosophy is simply that everyone should be treated equally.
Accident & sickness insurance – ‘for everything you do’.
We don’t think its fair that you should pay higher premiums, or even be excluded from having this type of insurance just because of your choice of occupation or hobby.
Income Assured have many years of experience dealing with the UK’s leading insurance companies. We have carefully selected the very best comprehensive Long-Term Cover and Short-Term Cover policies in the market so that it doesn’t really matter what you do for a living, or what you decide to do in your spare time.
With our policies, virtually everyone can have access to the superb benefits of protecting their income and their lifestyle with comprehensive accident and sickness insurance.
LONG TERM COVER .. The key benefits of this policy:
No time limit on claims, Extreme sports included as standard, High risk jobs covered at no extra cost, Cover for any illness and any accident, 24 hours a day cover, Available to employed and self employed.
SHORT TERM COVER .. The key benefits of this policy:
Maximum payout of 2 years per claim, Most jobs and sports covered, Unique £1000 per month guarantee, Cover for any illness and any accident, 24 hours a day cover, Available to employed and self employed.
5 good reasons to take out this cover:
1) Sports injury cover ‘in the real world’. 2) Guaranteed cover after a claim. 3) Day one cover available. 4) No automatic exclusions. 5) Friendly, personal service.
About Accident & Sickness Income Protection Insurance:
Protect Your Income with Accident & Sickness Insurance
Whether you’re employed or self employed, income protection insurance is vitally important to ensure you’re covered in case of accident and injury. This type of insurance covers you financially in case you are unable to work due to an accident or injury, no matter how it occurs. Many people ignore this type of insurance because they assume it is expensive, but we are able to provide income protection insurance that is surprisingly affordable, and offers financial peace of mind in case of any injury or sickness which prevents you from working.
Sports insurance for accidents
For people who regularly participate in sports, sports accident insurance is highly recommended. Should you have an accident resulting in a sporting injury which means you are unable to work, our policies will cover you for up to 60% of your income. Getting sports insurance will allow you to claim for the same injury as many times as you like and all team sports are covered. We also high recommend extreme sports insurance, as we regularly cover individuals with motocross insurance and provide cover for other extreme sports.
Sports insurance for injuries
Injuries are a natural part of life for people who regularly play sport. In team sports, in particular, injuries are common so it’s important that amateur sports people take out adequate sports injury insurance. Some teams may provide a basic level of insurance for players, but otherwise players should consider income protection insurance for peace of mind when playing any type of sport. We provide protection for all kinds of sports including football insurance and rugby insurance.
Our policies can offer income protection insurance for all tradesmen such as builders, roofers, construction workers, carpenters, plumbers, glaziers and electricians. Many manual jobs carry an element of risk so it’s important for tradesmen and tradeswomen to make sure they are adequately protected with tradesman insurance in case of accident and injury. Other skilled trades and jobs by this insurance policy covered include labourers, outdoor workers and landscape gardeners. Due to the high risk nature of their jobs, our tree surgeon insurance for forestry specialists as well as scaffolder insurance are very popular. All workers, whether self-employed or employed, should consider a tradesman insurance policy to cover income payments.
Insurance cover for builders
Many people in the building industry are self employed and leave themselves financially exposed if they do not have builders insurance cover for accidents that may force them to take time off work. Our income protection cover is suitable for all self employed (and employed) people working in building trades such as carpentry, brick laying and roofing. These insurance policies are not restricted to building trades and can be taken by people in any self employed or employed work where accidents and injuries are common such as tree surgery and outdoor jobs.
Insurance cover for tree surgeons
Many tree surgeons are self employed and may completely lose their income if they are unable to work due to an accident or sickness. That’s why it is important for these workers to consider tree surgeon insurance cover. Our income protection cover is suitable for all self employed (and employed) people and provides the tree surgeon with up to 60% of their income tax-free if they are unable to work. This insurance protection can be taken by anyone who is either employed or self-employed, and by anyone who works in an industry were accidents and injuries are common such as tree surgery, landscape gardening, fencing and similar trades.
Income protection insurance for motocross riders
Motocross is a thrilling sport but accidents do happen. If an accident occurs, motocross riders can be laid off work for weeks which can be a problem financially. Our motocross insurance cover provides income replacement should riders be unable to work due to an accident, injury or some other illness. This kind of insurance protection is vitally important for motocross riders who are self-employed where income would dry up if they are unable to work. Read more about our motocross insurance cover.
Insurance cover for football players
Anyone who watches professional football will know that players are often prone to injury. But accidents and injuries are also common for amateur football players who also have full-time jobs to think about. In case of accidents or injuries which result in time off work, regular players should think about football insurance cover to ensure they continue to receive an income. These income protection schemes offer peace of mind for footballers.
Income protection insurance for rugby players
Rugby is a rough and challenging game. Accidents and injuries are therefore inevitable. Some injuries are small but more serious injuries could lead to time off work. In these situations it is vital for rugby players to be financially covered, especially if they are self-employed. Our rugby insurance cover is available for all amateur players, no matter what their trade or profession (only a few exceptions). This insurance policy ensures rugby players receive a good proportion of their income if they cannot work due to accident or illness.
Income protection explained FAQs
What is the difference between Long & Short Term Cover?
Each policy is provided by a different insurance company, so whilst the premiums may be similar there are a few differences: If you need cover for a high-risk job or sport then Long Term Cover will likely be your best option, as these may not be covered with Short Term Cover. If your income is under £20k then Short Term Cover could be your best option, as it is the only policy with a £1000 pm guarantee. We will advise the best option for you.
Will these policies cover me for accidents at work as well as sports accidents?
Yes, as long as you have been signed off work.
Is this type of cover the same as a sport-accident insurance policy?
No, these policies are very comprehensive. Instead of covering you just for football injuries / rugby injuries / motocross accidents etc, these policies will cover you 24 hours a day for any illness and any accidental injury at home or at work, as well as from sporting activities.
So, these policies will cover me for ANY illness?
Yes, as long as you have been signed off work.
Can I still get Statutory Sick Pay (SSP) or Employment & Support Allowance (ESA)?
Yes. These can be paid in addition to your policy benefit.
If I smoke, will this affect my premiums?
I have a very high-risk job and do high-risk extreme sports – will this affect my premium?
Not with Long Term Cover. Unfortunately high-risk jobs are generally not covered by Short Term Cover, which may also have restrictions or premium increases for certain high-risk sports.
Are previous injuries and illnesses automatically excluded?
No. Previous injuries and illnesses may still be covered, subject to underwriting.
Will I still be covered when I’m on holiday abroad, even for sports?
Is there a limit to how many claims I can make?
No. As long as you maintain the monthly premiums there are no limits on the amount of claims you can make – even for the same injury. Please note: with Short term Cover you need to have been back at work for 6 months if claiming for the same thing as before.
Is there a time limit on how long I can claim for?
Short Term Cover claims are limited to 2 years per individual claim, but Long Term Cover claims can potentially be paid indefinitely, right up until state retirement age.
Will my benefit keep pace with inflation while I am claiming?
At the outset of the policy you can select an option for benefits to be index-linked.
Will my premiums go up after a claim?
No. The amount of times you claim will not effect your premium.
Do I need to have a mortgage to be eligible for this cover?
No. Whether you have a mortgage, rent a property or live with family & friends, anyone can apply for these policies.
Why do I need accident & sickness ‘Income Protection’?
Hundreds of thousands of people every year are signed-off work due to an accident at home, work, or through sport, or are signed off through long-term illness or mental health problems. The unfortunate reality for many is financial hardship, bad debt etc, as State benefits alone are not sufficient. If you have rent, mortgage and bills to pay, the most important asset you should insure is your body.
Won’t the State look after me?
State benefits won’t provide you with enough money to get by comfortably. Whilst the Employment & Support Allowance (ESA) provided by the Government or Statutory Sick Pay (SSP) provided through your employer (if you are eligible) may be sufficient to help you manage in the short term, these benefits may not even be enough to cover your rent or mortgage repayments.
I already have sick-pay benefits at work. Do I need this cover as well?
Your employer’s benefits may only last for a certain period of time and you could be off work for a long time. Benefits from our policies can be tailored to start paying out when your employers benefits cease. Please contact us direct for a quote.
Whatever your sport is – we’ve got it covered!
With one of our policies you can be covered for all of your sporting activities, including the high-risk and adrenalin-rush kind.
The list below is not exhaustive, but gives you an example of the sports we cover…
- American football
- Base jumping
- Downhill mountain biking
- Free climbing
- Hang gliding
- Horse riding / eventing / hunting
- Ice hockey
- Rock climbing
- Scuba diving
- Skiing / snowboarding
- Winter sports
Call us on 01209 614 666 – Email us at: email@example.com – Should you wish to contact us in writing, our address is:
56 Commercial Road