Why you need income insurance?

No one likes to think about the possibility of a disabling injury or serious illness meaning you cannot work for long periods, let alone the thought of redundancy or unemployment. However, the truth is that even short-term unemployment can put a huge strain on your finances – especially paying bills, a mortgage or rent - not to mention the stress caused to you and your family.

We'd all like to think it won't be us affected, but statistics say that won't always be the case. Financial protection – specifically income insurance - can help if you find yourself in such unfortunate circumstances.

Columbus Income Insurance allows you to protect your family’s finances in the event of losing your income through accident, sickness or unemployment.


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Benefits Columbus Cover
Maximum amount of cover £2,500
Benefits paid for 6 or 12 months
Choice of Excess period 0, 30 or 60 days
Initial exclusion period for unemployment 90 days
Accident, sickness and unemployment cover
Age banded premiums
No exclusion for dismissal, misconduct, or missed sales targets
Cover for Chronic Conditions
Cover for stress*
Cover for Back conditions
Waiver of exclusion period for people transferring insurers
Cover for carers
No hidden admin fees
Award winning Columbus Customer Service
Dedicated claims call centre
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* Cover is only provided for stress, anxiety, depression, fatigue or any other mental or nervous disorder or any condition of a psycho-neurotic origin when you have been diagnosed by a registered Consultant Psychiatrist and continuously remain under their supervision.Back conditions are covered under the sickness section but not if they are a pre-existing condition.