Income Protection Insurance Quotes

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Frequently Asked Questions

  • Does Drewberry charge for their service?

    We don’t charge a fee for our service. When it comes to protecting things as important as your health and finances, we believe it shouldn’t cost the earth.

    Instead, we work closely with our providers, and when we set up a policy with one of their products, they provide us with a finder’s fee.

    As a result, we can offer our 5-star service with no fee attached, and you can focus on protecting what’s important to you.

  • Can I take out a policy online?

    You can take out a policy online through Drewberry. Simply select the ‘Apply Online’ option once you’ve completed a quote form.

    If you want to speak to an adviser, select the ‘Call Me’ option. You’ll only speak to one person from start to finish with a direct email and phone number to reach them. There’s no need to worry about automated messages or explaining your situation every time you speak to us.

  • What providers does Drewberry compare?

  • What are the different types of Income Protection?

    There are a couple of different types of standalone Income Protection, which you’ll sometimes find in one policy depending on your needs.

    • Accident and Sickness Insurance
      Protects your monthly income if you are unable to work due to accident, illness or injury. As all providers are different some will exclude certain injuries and illnesses so it’s important to know what isn’t covered in your policy.
    • Unemployment Insurance
      Also known as Redundancy Insurance, Unemployment Insurance is often added as an optional extra to Income Protection policies. It covers your income if you lose your job through forced redundancy. It can also be a standalone product, but it’s not very common.
  • How much Income Protection cover can I get?

    The level of Income Protection cover depends on the provider, but the upper limit is 70% of your gross annual salary.

  • What’s a deferral period?

    A deferral period (sometimes called an excess period) is the amount of time you need to be out of work before you can claim on your Income Protection.

    Income Protection deferral periods can be as short as three days (backdating to the first day you were unable to work) or up to a year long, depending on your policy and needs.

    Your deferral period should match up with the sick pay (if any) you receive from your employer. Once your sick pay ends, your Income Protection will then kick in.

    Shorter deferral periods make premiums more expensive.

  • What affects the cost of Income Protection?

    The cost of an Income Protection policy can depend on a number of factors about you, including:

    • Your age
    • Your health and lifestyle (e.g. smoker or non-smoker)

    The details of your policy can also affect the price, such as:

    • Monthly benefit amount
    • Deferral period
    • Payout period to be
    • Cease age
    • Definition of incapacity
    • Guaranteed, reviewable or age-banded premiums
    • Indexation
  • Can I get Income Protection if I have existing health conditions?

    You can still take out Income Protection if you have existing health conditions, but it can be more complicated. There are usually three options:

    • Your medical conditions are covered in the standard terms
    • Your premiums are increased to match the risk of your existing condition
    • Your existing condition is excluded

    When setting up any insurance policy, including Income Protection, with existing medical conditions, you need to declare them to ensure your cover isn’t invalidated by something you didn’t mention.

  • What exclusions are there for Income Protection?

    There aren’t many standard exclusions for Income Protection, making it a valuable financial safety net.

    The standard exclusions tend to be:

    • Self-inflicted injuries
    • Drug/alcohol misuse or abuse
    • Travel to a country the Foreign Office has advised against

    Exclusions can differ between providers, so always check the terms and conditions before taking out a policy.

Contact Us

Head Office & Pensions and Investments
Senator House
85 Queen Victoria Street
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Drewberry London Office MapDrewberry Brighton Office Map

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

Drewberry Ltd is registered in England and Wales. Companies House No. 06675912

Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

Drewberry Ltd (Financial Conduct Authority No. 505473) is an Appointed Representative of Quilter Wealth Limited and Quilter Mortgage Planning

Limited, which are authorised and regulated by the Financial Conduct Authority.


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