Drewberry™ provide pensions, investment and insurance advice for Money to the Masses readers throughout the UK.

Get Cashback with Income Protection

Income Protection with Cashback

At Drewberry, we think Income Protection is one of the most important financial products a working adult can have. Having a continuation of income if you’re medically unable to work is clearly a hugely valuable lifeline, allowing you to continue paying your bills, mortgage and other financial commitments.

And you don’t just have to take our word for it – both the Financial Conduct Authority and consumer group Which? have said similar things.

Get Income Protection with cashback 🤑  equivalent to one month of FREE cover!

We feel that this product is so important that we’re offering Income Protection with cashback equivalent to one month of free cover to anyone buying this valuable protection for themselves and their families after visiting this page.

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By reaching this page you are eligible for one month FREE cover when you set-up your new Income Protection policy.

Simply start a quote from this page to apply your one month free discount and get your instant quotes or call us on 02084327333 and state the code VC1MF.

Jo Mackenzie
Client Support Specialist


Why 3 million workers have turned to Income Protection…

  • Protect up to 65% of your gross income should you be unable to work due to an accident or illness.
  • Include unemployment cover to protect against the risk of forced redundancy.
  • Income protection can protect you right up to your expected retirement age and will pay out as many claims as are needed under the terms of the policy without the cost of the premium increasing.
  • It provides peace of mind knowing your income is protected whether you have a short term illness or you have something more serious and are never able to work again.
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Pensions Advice

Income Protection

Do I need Income Protection?

People choose Income Protection for a variety of different reasons, but there are three major issues which tend to be behind many people’s decision:

  • Government benefits won’t be enough to sustain them
  • They don’t have enough in savings to tide them over if they couldn’t work
  • They’re concerned about the risk of serious/long-term illness.

Falling Short: How Much is Incapacity Benefit?

  • If you’re employed and are too ill to work, you may be entitled to Statutory Sick Pay (SSP). This is worth £89.35 per week for 28 weeks. Some employers provide more sick pay than this but many do not.
  • If you still can’t go to work after 28 weeks and you’re employed, you’ll shift to Employment and Support Allowance (ESA) for 13 weeks worth £57.90 a week for under 25s or £73.10 per week if you’re over 25.cash from incapacity benefits is unlikely to be able to make ends meet if you can't work
  • ESA may then rise to an absolute maximum of £109.65 per week or stay at £73.10 per week, depending on how severe the government judges your disability to be.
  • An employee over 25 off work with the most serious disability is entitled to no more than £3,318 per year in Statutory Sick Pay and Employment and Support Allowance.
  • The self-employed don’t get SSP – they have to move straight on to ESA.

With state benefits so low, Income Protection cash can sometimes be the only thing keeping a family afloat during a difficult time.

Our Income Protection cashback scheme allows you to receive your first month of cover for free, giving you peace of mind for four whole weeks on us.

Samantha Haffenden-Angear
Independent Protection Expert at Drewberry

Raising Awareness of Income Protection Insurance

How much income are you putting at risk?
Your Current Age
Monthly Expenditure

Could You Survive Without Income Protection?

How much do you have in cash savings? For thousands of working Britons, the answer is not very much.

The Drewberry 2017 Wealth & Protection Survey found that more than a quarter of us have less than £500 in their savings account. That’s not even enough to cover one month’s rent – an average of more than £700 in the UK outside of Greater London – according to HomeLet.


How Much Do You Have in Cash Savings?

57.5% of people have less than £5,000 in savings – this would vanish quickly in the event they were off work even in the short-term.

Given the relatively low amount held in the majority of people’s savings accounts, it’s somewhat over-optimistic 2 in 5 people said they’d be able to rely on their savings if they couldn’t work for six months when asked this question for our 2016 survey.

The result is that Accident & Sickness Cover can be a hugely valuable asset – and not just because you get a month free with our Income Protection cashback offer.

Sam Carr
Independent Protection Expert at Drewberry

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Risk of Long-Term Illness

  • Around half of ESA claims are due to mental health conditions, which are generally covered by Income Protection
  • Approximately 70,000 people are injured on the job each year in Great Britain (Health & Safety Executive)
  • 1,000 new cancer of cancer are diagnosed each day, and half of people born after 1960 will develop cancer at some point during their life (Cancer Research UK)
  • A heart attack puts someone in hospital in the UK once every three minutes (British Heart Foundation).

No one likes to think about it, but the truth is that we can all have health scares during our lives. That’s where Income Protection can step in to help pick up the pieces if you can’t work after an illness or injury.

Will Martin
Independent Protection Expert at Drewberry

I would like to say thank you to Ciaran King for his professionalism, respect and sensitivity with dealing with my income protection insurance.

Cecilia Walsh

Get Expert Advice and 1 Month FREE Cover

Offering cashback on Income Protection is just one of the ways Drewberry is looking to widen the uptake of this highly underrated policy. Critical Illness Cover has typically been used as a stand-in in the past, but it’s not as comprehensive and won’t cover you for as many conditions.

As well as offering you a month’s free Accident & Sickness Cover with cashback, we also provide expert advice with no charge for you. Just another reason to choose Drewberry!

If you decide to speak to one of our advisers on 01273646484, quote code VC1MF to get your Income Protection cashback. Just as if you click the links on this page to get Income Protection quotes, we’ll apply your discount direct to your bank account after you’ve held the policy for three months.

Victoria Slade
Independent Protection Expert at Drewberry

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Frequently Asked Income Protection Insurance Questions

Can an income protection insurer increase my premiums over time? I am worried that the premiums might...
I am currently looking for a good income insurance policy and would like some suggestions for the best...
I was looking on the internet for permanent health insurance and keep coming across income protection...
What does this deferred period actually mean and will my claim be backdated if there is a deferment period?...
4.92 / 5 Average
1333 Reviews
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Lots of detail, reassurance and time.
J Butcher-Cole
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My adviser Jake was really helpful explained everything in full and always made sure I understood was always keen to help with any issues and made the process as easy for me as it possibly could have been.
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Professional, quick and straightforward service from Victoria for the second time in a raw.
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Sam Carr was very knowledgable, efficient, called when he said he would and kept me updated through out the process
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Was extremely impressed with the service we received from Michael.He was so helpful with good advice and saved us money.The policy was set up and running with in a couple of days.would definitely recommend to friends.Thank you.