I changed occupation—do I need to tell my insurer?
Check your policy terms. For income protection, your occupation often affects how a claim is assessed, so telling your insurer is usually important. For life and critical illness cover, a job change does not normally affect existing cover, but some policies ask you to report it. If in doubt, tell the insurer.
Riskier occupations
If your new job involves hazardous work, ask whether any exclusions or changes would apply.
Earnings
A change in pay can affect the income protection benefit you could receive.
Review your needs
A new job can change your sick pay and benefits, so it is a good time to check your cover.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026