I fell foul of one of these Income Protection Policies. My experience has now left me with a registered default which is incorrect and being unable to get a better rate for a remortgage.
One needs to read the small print very carefully.As a result of a stroke I claimed on mine and the company paid 12 months instalments, I then returned to work for about 4 / 4 1/2  months but had to give up again due to post stroke pain. I reapplied but was told that I had to have returned to work for at least 6 months before they would reconsider my claim. I paid the instalments for  a while but could not keep up with them, as a result I fell behind and am now considered a bad risk. What was the insurance for and I paid up front for it. Please be careul.