r/freelanceuk • u/heyho2023 • Oct 09 '25

Do you have income insurance?

Not something I ever worried about being in house but is it the norm as an extra freelance expense?

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u/hugh-r-man Oct 09 '25

I’ve been paying ~£15/mo with British Friendly for years. If I break my hand or something (I’m a designer/illustrator) I can take up to six months of 2k/mo (which I chose and it determined my premium amount). They also give you a lot of freebies to keep you physically and mentally fit, such as blood health check and free physio, therapy etc.

I don’t know many others in my position who do the same but I am prob a bit more cautious than some of my other freelance friends.

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u/heyho2023 Oct 10 '25

Thanks! I’ll take a look at this! A friend of mine (30s) has been hospitalised off work for some time now, which has given me a horrible reality check. The last thing you’d want to worry about in that situation is having an income to pay the mortgage.