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Income Protection for Mechanics

If you are a mechanic then income protection can help with your bills should an illness or injury prevent you from working

spanners for mechanics

I am a mechanic. Can I get Income Protection?

Yes you can. By talking to our partners who have great experience in finding Income Protection cover for those with more dangerous occupations, you can find a policy that fits with your needs.

Income Protection is there to help if you couldn't work due to injury or illness and the loss of your income would leave you with money worries.

Why is being a mechanic considered a dangerous occupation?

You may think that dangerous jobs are those which involve height or speed or where you are knowingly going into a danger area such as being a firefighter or soldier and you'd be right but there are plenty of ways in which a mechanic could be injured at work too. There is dangerous machinery all around and there is the risk of injury from fire or electrical shocks. Mechanics also face the danger of coming into contact with hazardous materials such as fuel, solvents, solder and battery acid.

How can Income Protection help me?

Anyone could suffer an illness or injury but when it means you are unable to work, it can leave you with no household income. As a mechanic you need to be able to be fit enough to carry out your job and injuries are likely to mean there are tasks you cannot physically complete.

If you are self-employed, without you it may mean there is no income for your family at all. If you are employed then you may be entitled to Statutory Sick Pay but that is limited and you may need to be off work for a longer period than that will cover.

Income Protection can pay out a percentage of your income on a regular basis to keep those financial concerns away whilst you concentrate on your recovery.

Just click on the Green Button at the top, enter a few details and we can put you in touch with our expert partners so you can begin your search for Income Protection for Mechanics.

What is the cost of an Income Protection policy?

Working in a dangerous occupation can affect your premiums but there are ways to keep the cost down.

If you buy your policy while you are young and healthy you are almost certainly going to see lower premiums. The same applies if you are a non-smoker.

The cost of your income protection policy will also depend on what and how much you want to cover.

Talk to our expert partner to understand what Income Protection will work best for you.

  • What percentage of your income do you want to protect?

How much do you need to pay your bills? Most people opt for between 50-90% but everyone is different and that is one of the reasons why discussing it with an experienced advisor is key.

  • How long do you want the policy for?

Are you only looking for cover for a short period, say 5 years? Or would you want the policy to last until you retire?

  • Do you want a deferment period?

If you are entitled to Statutory Sick Pay, you could consider holding off your income protection payments until the SSP has run out.

All these options can be discussed with our Income Protection partner who can assist you in deciding which type of policy works best for you. They have great expertise in Income Protection and other Life Insurance products and will be able to talk through your options all completely fee free and without obligation.

Can I get Income Protection if I am a self-employed mechanic?

You can certainly take out an Income Protection policy when you are self employed.. As a self-employed mechanic you are unlikely to receive Statutory Sick Pay if you are unable to work due to illness or injury so it is even more important that you consider other ways to protect your earnings and look after your loved ones - such as through an Income Protection policy.

How can our expert Income Protection partner help?

Everyone is different so their Income Protection needs will vary too. As well as the considerations above, much will depend on your life and if you have dependents. Our partner can talk through all your requirements and put that together with their wealth of knowledge to find Income Protection that fits best with you and your lifestyle.

Click on the link below and our life insurance partners will be in touch to discuss your Income Protection needs.

Get a Quote

Our expert partner, LifeSearch, are one of the UK's biggest life insurance brokers. They work with some of the leading insurers and together they can find the cover you need. The insurers they work with include AIG, Aviva, British Friendly, Legal & General, LV=, Royal London, The Exeter, Vitality, Scottish Widows, National Friendly, Shepherds Friendly, Cirencester, Holloway, Guardian and Zurich. Lifesearch, in the same way as MoneyMaxim, are regulated and authorised by the FCA,. They provide a guarantee to get you the right cover at the most competitive premium they can. There are no fees and no obligation at all with their service.

Image courtesy of: Pixabay

This content was last reviewed on 05/07/2023