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Would you still get paid if you couldn’t work?

Private Sick Pay™

The UK’s Personal Sick Pay
Get paid if illness or injury stops you from working

Takes 30 seconds

No obligation

|

No medical required

Quick eligibility check

Rated Excellent

Trusted by 1,000+ UK workers

Trustpilot

If your income stopped, would your bills?​

Private Sick Pay is for anyone who relies on their income.

teacher
tradesman
construction worker
construction worker
hairdresser
dentist
nurse
construction worker
hgv driver

How much would you lose if you couldn’t work?

Most people are more exposed than they think.
Find out in seconds

Shortfall = £0
You’d be £0 short per month
That’s £0 per year

Could you cover that if you couldn’t work?
Most people don’t realise how big their income gap is — until they see it.

Income Risk ⚠️

Most UK workers don’t realise how big the gap is — until it happens

For someone earning £2,000 per month:

Statutory Sick Pay

=

£493

Household Bills

=

– £1500

Shortfall of £1,007 every month
That’s over £12,000 per year
Private Sick Pay replaces your income so you can focus on recovery — not your bills

See what it would cost to protect your income

Why Statutory Sick Pay isn’t enough

Here’s why most people are left short

Statutory Sick Pay

Private Sick Pay

That’s why thousands choose Private Sick Pay to protect their income

Why people choose Private Sick Pay

 Designed to give you control, flexibility, and peace of mind when you need it most

control icon

Control

Choose how much of your income you want covered

So it fits your lifestyle and commitments

Flexibility

Choose how long you want to be covered for

So you’re protected for as long as you need

Simplicity

Quick and simple to set up

No complicated forms or long processes

Accessibility

Covers employed and self-employed workers

Protection that works for how you earn

Outcome

Get paid if you can’t work

So you can focus on recovery — not your bills

Real claim example

When illness or injury stops you working, this is how Private Sick Pay pays out

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See what it would cost to protect your income

Join thousands already protected

Rated Excellent on Trustpilot from over 1,000 reviews

Showing real reviews from our customers. Join thousands who have already protected their income

Who Private Sick Pay is for

If you rely on your income, this is for you

Employed

If you couldn’t work, how long would your employer pay you?
Private Sick Pay helps replace your income when work stops — so your lifestyle doesn’t.

Self-Employed

If you don’t work, you don’t get paid — it’s that simple.
 Private Sick Pay gives you an income while you recover — so your business and bills don’t suffer.

Frequently asked questions

Common questions before getting covered

01 How long does it take to get started? +
Check your eligibility in 30 seconds. Then a UK-based adviser will help tailor your cover and provide your price.
02 How does Private Sick Pay work? +
If you’re unable to work due to illness or injury, Private Sick Pay provides a monthly income to help cover your bills while you recover.
03 How much could I receive? +
You can receive up to 70% of your usual income, typically paid tax free.
04 Will I still get Statutory Sick Pay? +
Yes — Private Sick Pay is paid on top of Statutory Sick Pay, giving you additional financial support.
05 Is this available if I’m self-employed? +
Yes — Private Sick Pay is designed to cover both employed and self-employed workers.
06 Will I need a medical or answer health questions? +
In most cases, no medical is required to get covered. For longer-term cover that pays out for multiple years if you’re ill or injured, a few health questions may be needed — your adviser will guide you to the option that suits you best.
07 When would I start getting paid? +
After a chosen waiting period, which you select when setting up your cover. Your adviser will help you choose what works best for you.
08 How long can I receive payments for? +
This depends on the cover you choose — you can select benefit periods that suit your needs. Options typically range from 6 months up to several years.