This type of policy is designed to give you an income if you are sick or have had an accident and are not able to work, Income Protection starts paying out after you have signed off work by a doctor. Because you are far more likely to be unable to work due to illness than to die, Income Protection is more important to have than life cover.
Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income
Read our Documentation on Income Protection here
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Don’t confuse proper Income Protection with lesser types of policy sold under similar names. These never pay out for more than two years – and usually not for the conditions most likely to cause you to be off work.
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We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm). You may be able to submit a claim through the EU Online Dispute Resolution Platform (https://webgate.ec.europa.eu/odr/main/?event=main.home.show if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.)