Accident & Sickness Insurance
Accident & Sickness Insurance: Protect Your Income
When Life Takes a Turn
Life is unpredictable. A sudden illness or accident can leave you unable to work and facing financial uncertainty. Accident and Sickness Insurance is designed to protect your income when the unexpected
happens — helping you focus on recovery rather than worrying about bills and expenses.
What Is Accident & Sickness Insurance?
Accident and Sickness Insurance provides short-term protection by paying a monthly, tax-free benefit if you’re unable to work due to:
• Illness or medical condition
• Injury from an accident
The essential cover helps maintain your standard of living by supporting your mortgage, rent, utilities, and day-to-day expenses until you’re fit to return to work. Policies usually won’t cover:
• Pre-existing medical conditions
• Self-inflicted injuries
• Stress
• Hazardous Activities
• Claims within the initial waiting period (commonly 30 days)
Always review your policy’s terms and exclusions to ensure it aligns with your personal and financial needs.
How Does It Work?
You pay a monthly premium, and if you can’t work because of sickness or injury, your insurer pays a portion of your income — typically insurers will pay up to 100% of your salary of your gross salary, depending on which benefit you select. Each policy includes two key timeframes:
• Waiting period: The time from the policy start date before you can make a claim.
• Deferred period: The time between stopping work and receiving your first payment.
For example, with a 30-day waiting period and a 60-day deferral, your first payment would usually arrive around 90 days after you stop working.
Why Both Employed and Self-Employed Professionals Need
Cover
If you’re employed, your company might offer sick pay, but many only provide Statutory Sick Pay (SSP) — currently £118.75 per week (as of September 2025) — for up to 28 weeks. That will not be enough to cover your household costs.
If you’re self-employed, the risk is even greater. Without employer benefits, an injury or illness can instantly stop your income, making it difficult to meet essential payments. Accident and Sickness Insurance acts as your financial safety net, keeping your business and household running while you recover.
Specialist Protection for Tradespeople and Engineers
At Courtprice Limited, we understand that no two days are the same for plumbing, heating and gas engineers. From emergency callouts to complex installations, your work involves unique risks that deserve specalist protection.
Protector Personal Accident Insurance
Our Protector Personal Accident Insurance safeguards your livelihood if you’re unable to work due to an accident. Every tool can be replaced — but you can’t.
With SSP offering limited support, could you maintain your lifestyle if you were seriously injured? Our policies can help bridge the gap with benefits such as:
• Accidental Death and Capital Benefits
• Temporary or Partial Disablement Cover
• Hospitalisation and Medical Expenses
Whether you’re employed, self-employed, or managing a team, we offer individual and group cover to match your needs.
As proud Industrial Associates of the Chartered Institute of Plumbing and Heating Engineering (CIPHE), we know your trade and the challenges it brings — from physical strain to unpredictable working environments.
How Much Does Accident & Sickness Insurance Cost?
Premiums depend on several factors, including:
• Age – Younger individuals often pay less as risk increases with age.
• Occupation – Physically demanding or high-risk jobs typically attract higher premiums.
• Health history – Your medical background and lifestyle choices can affect cost.
• Benefit level & deferral period – Higher benefits and shorter deferral periods increase premiums.
Choosing a policy that balances affordability with adequate cover is key to long-term peace of mind.
Final Thoughts: Protect What Matters Most
For those in skilled trades — especially plumbing, heating, and gas engineering — Courtprice Limited’s Protector Personal Accident Insurance offers tailored, affordable protection to maintain your income levels.
Because while tools and equipment can be replaced — you can’t.