This site uses javascript to work. We have detected that you don't currently have javascript turned on.
To continue, please ensure you have turned on javascript in your browser settings.

Why Income Protection

This section applies to Protect and Breathing Space members only.  

If you’re unable to work due to an illness or injury, income protection pays you a regular income. For example, if back pain stops you working, if an accident puts you in hospital, if you need time off for anxiety, or you’re diagnosed with cancer and need time for treatment, income protection can help support you until you can work again. It gives you peace of mind that if something bad happens, there’s financial support in place to make life a little less stressful.


How it works

Pays you an income while you’re too ill or injured to work.

By ‘too ill or injured’, we mean unable to do the main tasks of your occupation, and you lose some or all of your income because of this, and you’re not doing any other paid or unpaid work.



There’s no limit to the number of times you can claim.

There’s no limit to the number of times you can claim and you can claim more than once for the same illness or injury. But there are some restrictions if you have a limited benefit period of 1,2 or 5 years.



Tailor your cover to suit your needs.

You can choose from our options how long you want to wait before your first benefit payment – this waiting time is your ‘deferred period’.



Choose from weekly or monthly payments.

Pays you weekly or monthly into your chosen personal bank account or directly to your mortgage lender.



Extra cover for broken bones.

Gives you the option to add Fracture Cover as an additional benefit at an extra cost.



It feels good knowing kids are covered too.

Receiving a critical illness diagnosis for a child is devastating, and the only thing you should worry about at such a difficult time is caring for your family. Our Children’s Critical Illness Cover is one of our optional benefits, available to add to new Protect or Breathing Space policies for an additional cost.



We offer more than Income Protection.

We offer access to extra support and rewards for you and your family every day whether you claim or not and at no extra cost through our discretionary Mutual Benefits and BF Care programmes. That’s why, at British Friendly, it really does feel good to be covered.



Member stories

Hear what Paul has to say about his unexpected absence from work and how Income Protection from British Friendly helped.