Self Employed Zone
If you are self-employed or a company director this section is for you. We have gathered the links to products that are designed to meet the insurance requirements of people who are self-employed. These include both insurance policies offered by i:protect as well as those from trusted providers who offer genuine discounts when you apply on-line.
Insurance for you
In the past some Mortgage Payment Protection policies and short-term Income Protection insurance was sold by major banks and building societies in the past that a self-employed person could not claim on! Those responsible have paid back millions of pounds in compensation. At i:protect over twelve per cent of our policyholders are self-employed because our policies offer cover for loss of income due to accident, sickness and unemployment.
How can a self-employed person be considered ‘unemployed’?
Needless to say we are very explicit about this. If you are unable to work due to accident or sickness, including back ache or stress related illness, we rely on the usual evidence i.e. that you have been signed off by your doctor from following your usual occupation. If you are off for more than 3 months we ask for additional information if your medical condition is stress or back injury related. However your cover is just the same as if you were a regular employee.
Unemployment cover - You are eligible to take out full accident, sickness and unemployment cover however please note that in order to claim you will need to prove that your business has completely ceased to trade as a direct result of your inability to pay your debts when they become due. This must be registered with the Inland Revenue. You may be asked to provide copies of your accounts and/or tax returns.
Just to be clear: this insurance cover has not been designed to pay benefit for any period of unemployment which is due to a temporary loss of work or a temporary lack of work.
Knowing you can select the cover you need from i:protect at the same price as a regular employee you can buy with confidence. Please click on a heading below:
Mortgage Payment Protection Insurance
Lifestyle Protection Insurance
Insurance for your business
We offered a direct route to a trusted specialist provider of business insurance policies. Their products include popular package policies for most businesses and includes their best-selling cover for Self Employed Tradesmen. Please click on a heading below: