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Accident, sickness & unemployment cover

Accident Sickness Unemployment


What is it?

Imagine the circumstances. Through no fault of your own you lose your income because you become unemployed. Or you're unable to work because of an accident.

Your mortgage will still need to be paid, as will other family household outgoings like credit cards, loans, council tax, utility bills and even life cover. So what can you do?

Accident, sickness & unemployment cover, shortened to ASU or also known as mortgage payment protection, is designed to provide you with an income to pay your mortgage and other outgoings if you are unable to work due to an accident, sickness or involuntary unemployment.

This type of insurance usually pays out for between of 12-24 months, so it's a short-term solution. It is particularly advisable for self-employed people, who are reliant on their income to cover their financial commitments, to consider how outgoings would be met, even for short incapacities. If you would prefer an insurance policy that pays out for longer than this, it is possibly more beneficial to consider Permanent Health Insurance, also known as Income Protection Cover instead.

What's covered?

With ASU cover, you can generally insure up to 60% of your current income, although this does vary between insurers.It's reasonably flexible, and will allow you to choose whether you would like:

  • just accident and sickness cover;
  • just unemployment cover;
  • or the whole package of accident, sickness and unemployment.

Should you need to make a claim this type of policy will pay out after the deferred period, which is usually, one to three months. Benefits will then be paid to you for the specified period, either 12 or 24 month or until you return to work, whichever is sooner.

We usually offer Accident, Sickness and Unemployment Insurance from a selected panel of providers.


Whether you are looking for the best deal on a residential mortgage, or if you are considering Life Cover, Critical Illness, Income Protection or a Healthcare Plan, we offer expert and impartial advice on the widest choice of products in the UK.