Scottish Provident has launched a new income protection product which gives an enhanced level of cover to a broader range of clients.

The new policy will now offer an own occupation definition to a wider range of occupations – for example surgeons, dentists and driving instructors – all of whom would not previously have been eligible for this definition.

Scottish Provident now offers two options for its income protection policies: an own occupation definition throughout the term or own occupation for one year, changing to a list of serious illnesses and everyday tasks thereafter.

People not working or working for less than 16 hours a week will be offered cover against a list of serious illnesses and everyday tasks.

Hugh McKee, CEO, intermediary division at Scottish Provident parent Royal London, said: “The decision to change the product comes after a considered assessment of feedback given by customers and intermediaries.

“By widening the eligibility of own occupation to as many customers as possible and providing a unique solution for those that aren’t eligible, we believe we’re delivering a value for money proposition.

“Combining own occupation, a serious illness list as well as everyday tasks creates a unique product which will make it easier for customers to claim on and in turn increase consumer confidence in income protection.”