How long do i need to be self employed to get income protection?

I have only been self employed for six months so don’t have any accounts yet.

Question asked by Peter Brain
Compare Top 10 UK
Takes approx. 60 seconds
Type of Policy
Income Required
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 0208 432 7333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Tom Conner

Income Protection for the Self Employed

Thanks for your enquiry. To answer this question we would need to know more about your circumstances as it would vary from insurer to insurer so it’s best to call and speak to one of our advisers.

As a general rule there is no minimum period for which you would need to be self employed for income protection insurance. However at the claims stage the insurer would look over your earnings history for a certain time period.

If you were previously employed in a certain job and are now self employed in the same role then the insurer would look at both periods of employment. However, if you are now in a completely new role they would not take your previous employment into consideration so it may be best to wait until you have a longer earnings history in your current role.

There is one policy on the market, The Exeter’s “Bills and Things”, where they do not look at an earnings history and as long as you are working over 16 hours per week they can cover you for up to £1,000 per month.

Seek advice

Please call us on 0208 432 7333 so we can run through your options.

income protection
self employed
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
Need help? 
Call us on 

Frequently Asked Income Protection Insurance Questions

I want some kind of health cover in case I am ill. I’ve come across health insurance, income protection...
After recently been off work due to a minor operation and my company only paying sick leave for a small...
What insurance can cover my salary if I suffered sickness or had an accident? I do get some sick pay...
I am looking for income protection insurance but I’ve noticed that these policies only cover accident...
Need Help? Live chat now and get an instant answer from our Experts...


Our Latest Reviews
Andrew Giles

From start to finish a very professional and courteous outfit. A very efficient company with a no nonsense approach. Would recommend.

Mark Burbidge

First class service from start to finish. Sam Carr was very helpful in setting up my new insurance policies. He kept me up to date throughout the process and provided full explanation and advice on the products and was always available to help.

Doug Muirhead

Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family.

We are rated 4.9/5 based on 1512 independent client reviews.
To read more of our independent client reviews click here →
4.92 / 5 Average
1548 Reviews
R Steer
Overall Rating
Josh, Nick & Sam helped me set up PHI & Life insurance when I set up my own company. The application process wasn't straight forward due to my medical history, but the team made everything as simple as possible.
C Ash
Overall Rating
I have not started my health cover yet, bus so far the introduction has been very efficient and speedy.
G White
Overall Rating
Clear and concise information
D Muirhead
Overall Rating
Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family
S Walker
Overall Rating
Great service, independent advice, not pushy and very consultative. I would have no hesitation in recommending.