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Breathing Space

Breathing Space is affordable short term cover for individuals who may struggle to prove their level of income in the event of a claim - such as self-employed, casual or part time workers or people with fluctuating income. This gives you some time to regroup when facing serious illness, accident or injury without having to worry about finances. 

Key features include:

  • Regular replacement income during sickness or accident for your choice of either 1, 2 or 5 years

  • Covers you specifically for the job you do

  • No proof of the level of your income required - only proof that you have an income

  • Pays between £125-£250 weekly benefit

  • Pays directly into your bank account every week

  • No limit to the number of claims allowed (see Terms and Conditions)

  • Maximum retirement age of 65

  • Right to vote and attend our AGM

  • Death benefit equivalent to 6 months of your sickness benefit payments

Breathing Space policy information including the Policy Summary and Terms and Conditions is available for download below.

Please note

Breathing Space is an advised policy, which means it can only be purchased with the advice from a Financial Adviser. If you are interested in purchasing a policy, you can find a Financial Adviser in your area on