Making Insurance Work for You

Monthly income when accidents or illnesses stop you from working.


Made for the 21st Century

We've used the latest technology and streamlined processes to create insurance for the new millennium.

afforable income insuance

Affordable prices

From £4.99, insurance has never been more affordable. You can also cancel at any time.

instant income insurance

Digital everything

Everything is digital. Buy, claim or even cancel straight from your phone.

instant income insurance

Instant cover

Get covered in just a few minutes. No long forms or annoying phone calls.

Income Insurance

Pays you a monthly income when accidents or illnesses stop you from working. One less worry so you can concentrate on your recovery and getting back to work.

How does it work?

Get Covered

Choose how much you get paid and get covered. Your cover stays in place until you turn 70.

Claim Online

Claim for any accident or illness that stops you from doing your job. Some dangerous activities are not covered.

Get paid

We will start paying you once you’ve been off work for two months. And pay you for up to 2 years whilst you are off work.

Recover and claim again

When you recover, we'll stop paying you. But your cover continues so you can claim again if you ever need to.

Key features

Tax free income

Unlike your salary, your claim is totally tax free.

Monthly Income

Choose how much we pay you when you can't work, from £250 to £2,000.

Get paid in 2 months

We will start paying you after you've been off work for just 2 months.

2 years income

Each time you claim, we will pay you for up to 2 years.

Certain Prices

Each year, the price you pay increases by just 3%. No surprises!

Cover to retirement

You're covered until you're 70 so you can claim as many times as you need.

Why Income Insurance?

Each year 414,000 people are off work for more than two months due to accident or illness. Use the tool below to calculate your own risk.

What's your gender?

Do you smoke?

(Any form of tobacco, vaping or e-cigarettes)


You have a ? chance of being off work for more than 2 months, due to any accident or illness, before you turn 70.

If you use your income to pay for your expenses such as rent, mortgage and bills, then you should consider insuring your income.


Refer a friend and get a month free.

For every friend you refer, you both get one month's cover on us.

Invite friends

Insurance Club

We have created Insurance Club so you can benefit without having to claim. In Insurance Club, we share educational content and carry out weekly prize draws.

CHECK OUR PRICES Find out more

About Spring

We've designed an insurance fit for the new millennium, Digital, Affordable and Simple. We're authorised by the FCA and partnered with some of the biggest names in insurance to create the best possible cover for you.

Authorised by
the FCA

We are authorised and regulated by the Financial Conduct Authority.

Underwritten by
Shepherd's Friendly

Our policies are underwritten by one of the oldest mutual insurers in the UK.

Reinsured by
Gen Re

A Berkshire Hathaway Company and one of the leading life & health reinsurers in the world.

Our Blog

Refer a friend and improve your odds

Find out how you can increase your chances of winning the we


Jan 2021

Why it pays to insure your income this year!

4 Reasons Income Insurance must be on your resolution list


Jan 2021

Why do Insurance prices increase?

Why do some insurance prices increase every year?


Dec 2020

Who’s going to pay me? Part 1

Who is going to pay me when I can't work?

Sick Pay

Nov 2020


Still have a question?

We may have the answer below.

Do I Need Income Insurance?

You are far more likely to be off work due to accident or illness than you may think. If you rely on your income to pay for your outgoings such as rent, mortgage and bills, then you should consider Income Insurance.

How can I claim on Income Insurance?

We have made claiming easy. Login to your account and follow the simple steps. It should only take you a few minutes to submit a claim.

You will need some information such as the reason you are off work, the date you were off work first and any supporting documents you have.

Once you have submitted your claim, we start assessing it and come back to you if we need any more information.

What can I claim for on Income Insurance?

You can claim for any accident or illness that prevents you from working. This includes everything from bad back and stress, to cancer and heart attack

What can't I claim for on Income Insurance?

There are a few things that we won't pay for. Certain activities that we have deemed as dangerous are not covered.

The reason for this is quite simple. We would need to charge a much higher price to cover these activities. As most people don't do these activities, we thought it was best to give everyone a lower and fairer price.

How much does Income Insurance pay me?

You choose upfront how much you want to get paid each month. Depending on your salary, you can choose from £250 to £2,000 per month. When you claim, we pay you the monthly amount you have chosen, up to 60% of your salary at the time of claim. So it is important to tell us when your salary drops.

How much does it cost to get Income Insurance?

Our prices start from as little as £4.99 a month. The price you pay depends on things like your age, type of job you do and how much cover you want. Each year your price will increase by just 3%, even if you have claimed.

Why does my price increase by 3% each year?

As people get older they are more likely to be off work. Therefore the number of claims are likely to increase. So the cost of your insurance increases as well.

How long am I covered for?

You are covered until your 70th birthday (as long as you keep paying). You can also cancel at anytime with no cancellation fees.

Is there a maximum number of times that I can claim?

No, you can claim as many times as you need to. Each time you claim, you can get up to 24 payments. That means you can get paid for up to 2 years each time you claim.

How can I cancel my Income Insurance?

If you've changed your mind, you can cancel at anytime with no cancellation fees. Just login to your account and cancel with a few clicks.