Please note: You will be transferred to the Expatriate Group site for a quotation. They will also send us a copy, so we can help with any queries.

Protect your income, so you can still carry on with your life
—even when you can barely carry yourself

Imagine losing your ability to work. For most of us, that would mean losing our income too.

Waves Disability protects your income against an accident or an illness that prevents you from working in your usual occupation. Whether it’s temporary or permanent.

You are paid a weekly sum in the event of temporary disablement or a lump sum in the event of permanent disability or accidental death.

Get a personalised, competitive quote today.

Income protection insurance fit for yacht crew

We’ve teamed up with Expatriate Group, specialists in insurance for expatriates, to bring you income protection insurance that genuinely meets the needs and lifestyle of crew onboard superyachts today.


Key benefits:

  • ‘Usual occupation’ cover

  • Lump sum for accidental death

  • Lump sum for permanent disability

  • Weekly benefit for temporary disability

  • Underwritten at Lloyd’s of London

  • Designed with yacht crew in mind


Financial peace of mind for you when you’re unable to work

Waves Disability protects you and your family by providing you with a lump sum payment if you can no long attend your normal occupation due to accident or illness. The policy can be extended to provide you with a weekly benefit if your time away from work is likely to only be temporary.

Temporary Disability Insurance

You don’t have to be permanently disabled to suffer a financial loss. Short- or long-term disability through accident or illness is likely to affect your income and your ability to pay your bills.

Waves Disability provides a number of choices to allow you to tailor cover to match your own personal circumstances. Benefits are payable weekly and are calculated based on your net weekly salary when the cover is purchased. Benefit payments can start from as soon as your 14th day of disability and payable for up to 2 years.

Permanent Disability Insurance

What would you do if an accident or illness permanently stopped you from being able to work at your normal occupation? What alternative occupations would you be able to do? What would happen to your earning potential?

Waves Disability insurance pays you a lump sum in the event that you are unable to work in your normal occupation permanently due to an accident or an illness. It secures the financial future for you and your family and puts your destiny back in your hands.

Accidental Death

Your death is likely to affect your family deeply—both personally and financially. The financial loss of the death of a primary wage earner is difficult to appreciate. A lump sum payment, decided by you at the outset of the policy, would be paid to your designated grantee, giving your family financial security in the event of your death. Cover is available for 18 to 65 year olds, with an amount payable of up to 10 times your gross annual salary.

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Frequently Asked Questions


Can you provide Waves Disability quotes online?

Yes – Simply click on one of the Get Quote buttons on this page and you will be provided with a Waves Disability insurance quote in just a few seconds.

How much can I claim with Waves Disability Insurance

In the event of your accidental death or if you become permanently disabled a lump sum of up to 10 times your gross annual salary will be paid (up to a maximum of £1 million).

If you are temporarily disabled benefits can start from as soon as your 30th day of disability. The amount will be calculated based on your net weekly salary at the time your cover is purchased (up to a maximum of 75% of your gross salary). Benefits can be received for up to 2 years.

What is a Max Benefit Period?

Both the accidental death and permanent total disability benefit are payable as a lump sum.

You can choose a maximum benefit period of either 52 or 104 weeks for the total temporary disability benefit.

Am I eligible to purchase Waves Disability Income Protection Insurance

If you are working and aged between 18 and 65 years old you can purchase our Income Protection. Restrictions may apply to some countries, which will be noted to you as part of the application process.