Illness and Injury Insurance could make protecting your income simple. If you can’t work due to illness or injury, it could help pay the bills for up to 12 months. And you can arrange it online.

Brought to you by Nationwide and provided by our trusted partners Legal & General.

Why use Illness and Injury Insurance?

Illness and Injury Insurance could pay out if you become ill or injured and can’t work as a result. Giving you peace of mind, should the unexpected happen.

  • Peace of mind
    Illness and Injury Insurance could help you prepare for the unexpected. Especially if you’re self-employed or your employer offers a limited sick-pay scheme. You can also cancel any time, at no cost.

  • Tax-free monthly pay outs
    Monthly pay outs are tax free. Cover available for up to 60% of your monthly earnings before tax, capped at £2,000 a month.

  • Affordable cover with short-term pay outs
    Pay outs start after a waiting period of 4 weeks – and are in arrears.

  • Apply online
    You can get a quote and arrange your cover online - there’s no need to book an appointment.


  • Terms, limits and exclusions that apply are explained in the Policy Summary – PDF 2MB (opens in a new window) 
  • If you're self-employed when you claim, and have been earning for less than 12 months, cover will only be available for up to 35% of your monthly earnings, capped at £2,000.


Illness and Injury Insurance is designed to give you simple, income protection insurance. It does not include:

  • Unemployment cover
    This policy only pays out if you’re off work due to illness or injury.

  • Cover for over 60s
    Any policy you take out will end on your 60th birthday. However, our Income Protection Benefit can provide cover until you're 70 years old.

  • The full range of income protection options
    This product may not be for you if you’re looking for flexible cover, long-term pay outs, or pay outs over £2,000 a month. Instead, consider Income Protection Benefit.

  • Financial advice
    Illness and Injury Insurance is only available to buy online - without financial advice. This means you need to understand that you're responsible for the cover you choose.

Want to learn more about covering your income? Read our Nationwide Income Protection Insurance guide


Illness and Injury Insurance is not a savings or investment product ‐ it will only pay out if a valid claim is made.

Before you apply

Please read the terms, limits and exclusions that apply and check you’re happy with them. Save or print these documents before you apply:

To apply for Illness and Injury Insurance

You need to be:

  • Aged 18 to 54 years old
  • Employed or self-employed and working at least 16 hours a week
  • A UK resident
  • Registered with a UK GP for at least 2 years
  • A Nationwide member.

You’re a Nationwide member if you have a mortgage, savings or current account.