I have more than one income protection policy—will they all pay?
Not necessarily in full. Insurers usually limit total benefit to a proportion of your earnings, taking into account other income protection policies and sometimes sick pay. If you have more than one policy, the combined payments may be reduced. Tell each insurer about the others so you understand what you would receive.
Why insurers limit benefit
The aim is that you are not better off financially when unable to work than when working.
Check your total cover
You may be paying for benefit you could not receive. A review can help.
Different policies for different needs
Some people hold a short-term and a long-term policy. These can work together if arranged carefully.
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