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Allows your finances to be taken care of when you can't,

so your family doesnt miss out

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What is Income Protection?

An income protection policy allows your finances to be taken care if when you can’t, so your family doesn’t miss out. Income protection is designed to replace or supplement your income in the event that you are unable to work. Insurance can be taken out to cover accidents, sickness and is intended to provide short term cover ranging from 12 to 24 months or up until retirement on long term accident & sickness cover, depending on the policy. Common reasons for taking out income protection include protecting mortgage or loan payments whilst ensuring you are able to maintain your lifestyle and can continue to financially support your family and loved ones.

Also an income protection policy provides a monthly payment to help replace a lost income through not being able to work because of an accident, illness and redundancy. The money can be used to help replace part of your wage/salary that would be used for bills, mortgages, rent. It can be a huge shock when being faced with financial hardship and an income protection policy will support with this.

Benefits of an Income Protection Policy

  • A full FREE advice led service
  • Peace of mind you can pay your bills during a time of uncertainty
  • Variety of insurers and products depending on your budget and circumstances
  • Products to suit income and mortgage protection needs
  • Short-term and long-term payout options, to work alongside your current sick pay benefits
  • Medically underwritten options
  • UK call centres
  • Access to a wide range of specialist income protection insurers

So, what do you need to know before setting up a policy?

Before setting up a policy you need to think about several things:
  1. How much money would you need to cover your outgoings? Being realistic that if you are out of work, the normal amount you need per month will change (for example your petrol costs will be reduced due to less commuting)
  2. What does your current employer offer in terms of sick pay? 
  3. How much savings do you have and would you be willing to use in a time of need?
Our Life and Health offering is provided by Assured Futures who are part of the A-Plan Group.


Would you like a free no obligation quote?
Call us today: 029 2062 6226 or Arrange a Callback


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About Us

Watkin Davies Insurance Consultants Ltd are one of Wales’ largest Independent Insurance Brokers, established in 1978 by Roger Watkins. Since this time we have become one of the leading Commercial and Personal Insurance Brokers in the region and the trusted insurance advisor to hundreds of Welsh and UK businesses and individuals.

Head Office

15 & 19 Penlline Road
Cardiff, CF14 2AA
029 2062 6226
Opening Hours
Mon-Fri: 9am to 5.00pm
Sat: Closed
Sun: Closed

Official Insurance Partner

Official Insurance Partner of the FAW Trust

Official Insurance Partner of the WSA

Membership & Accreditation

Chwarae Teg FairPlay Employer Award

Member of British Insurance Brokers Association