Can We Have Joint Income Protection Insurance?

Online Quote & Apply
23/09/2025
7 mins

Joint Income Protection Insurance

Currently, Income Protection Insurance can only be taken out as an individual plan as the policy needs to be written on your individual circumstances.

If you and your partner are looking for dual cover, then you can each take out your own Income Protection policy, insuring an amount equivalent to each partner’s contribution to household costs. The maximum amount of cover each partner can take out is 65% of gross (pre-tax) monthly income.

Setting Up Two Income Protection Plans

When setting Income Protection, the insurer needs to consider your specific occupation, income level, and health, which would make taking out a joint income insurance plan fairly complicated.

Although not strictly Income Protection, some insurers do allow joint Mortgage Payment Protection policies to be set up to cover joint mortgages. On this type of cover, some insurers may advertise a joint plan (quoting one premium) but actually set-up two single plans splitting cover between each partner.

Whether this is right for you depends on your circumstances, so it’s always worth getting specialist advice. Give us a call on 02084327333, or compare quotes online to get started.

Why Speak to Us?

We started Drewberry™ because we were tired of being treated like a number.

We all deserve a first class service when it comes to issues as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

Contact Us

Head Office
7th Floor Corn Exchange
55 Mark Lane
London
EC3R 7NE
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
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If you are unhappy with our service, we have a complaints procedure, details of which are available upon request. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). The FOS website is www.financial-ombudsman.org.uk.

Drewberry is a trading name of Brown & Brown Health and Employee Benefits Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 312878. Registered in England and Wales (company number 3910149). Registered address: 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE.

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