Income Protection Pre-Existing Conditions

A medical history doesn't automatically mean no cover. Compare how leading UK insurers treat pre-existing conditions and get income protection quotes.

Quick & Easy

No Obligation

Expert Brokers

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Quick & Easy

No Obligation

Expert Brokers

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Income Protection provides cover if you can't work due to accident or illness. It does not cover redundancy or unemployment.

Let's check your eligibility first*

You need to work 16 or more hours per week to qualify for Income Protection

Yes, I work 16+ hours per week

No, I work less than 16 hours

How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

33p

Per Day*

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

Cover Is Often Still Possible

How insurers handle medical history — and why their answers differ.

Every Insurer Underwrites Differently

One insurer may exclude a condition, another may cover it after a clear period, and a third may simply adjust the premium. Comparing across a panel matters most when you have a medical history.

Exclusions Rather Than Refusals

A common outcome is cover for everything except the specific condition — so an old back injury exclusion still leaves you protected against every other accident or illness.

Honest Disclosure Protects You

Declaring your full medical history when you apply means your policy stands on solid ground — claims are assessed against what you disclosed, with no surprises later.