Income Protection pays a monthly sum, of your choosing, on the event of an accident or sickness or redundancy.
When these things happen your earnings stop (sick pay etc is always limited and non-existent for self-employed, Statutory sick pay is less than £100 per week) the monthly payment helps pay towards your mortgage, rent, bills and lifestyle, protecting any savings, credit score and debts.
Howden Life & Health have the widest range of life & health insurers in the UK and therefore cannot be beaten on price.