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| Get
Free, No Obligation Accident Sickness
and Unemployment Cover |
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This type of insurance
is designed to offer short term
protection against accident sickness and
unemployment. You can choose at the
start whether you want the policy to
cover accident and sickness only,
unemployment only or accident sickness
and unemployment.
ASU cover is only to be used as a short
term policy. The number of months the
policy will pay out for is chosen at the
start of cover this is typically 12
months, 18 months or 24 months. Another
variable is the deferment period, again
this is chosen at the policy outset and
should match the sick pay of the
insured. For example if the policyholder
has 3 months full pay then the ASU cover
should have a 3 months deferred period
to match. Having a longer term deferred
period keeps monthly premiums of the ASU
cover down.
The amount of monthly benefit or cash
lump sum can vary from insurer to
insurer. Some types of ASU cover called
mortgage payment protection insurance
(MPPI) will only cover the mortgage
amount plus monthly mortgage expenses
such as building and life insurance.
Others will allow the insured to cover
all regular monthly commitments such as
loans, credit cards, pension payments,
maintenance payments, bills, council tax
etc. However once a claim is made the
insured must prove the list of
commitments given at the policy
inception.
Unlike income protection insurance ASU
cover is not underwritten before it
starts. Instead a short number of
questions such as are you aware of any
impending redundancy, are you in full
time employment are you off sick at the
moment etc are answered.
ASU cover is paid for on a monthly basis
and is normally renewed annually like
and buildings and contents policy. Every
year one should shop around to see if
cheaper premiums can be found. To ASU
cover quotes use the short enquiry form
on the right. |
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| Quotes in 3 easy steps: |
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1. You complete the simple form
2. We search the whole of the market
3. You receive quotes |
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- Quotes are FREE and without obligation
- We can put policies in trust for
free.
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| We compare the leading insurers including: |
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Useful Website Sections: |
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Popular ASU Cover Articles: |
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**Take out life insurance before 31st
December 2010 and receive a £25.00 gift voucher. Voucher sent
once 3 months premiums are paid. If you
cancel within this period the voucher
will not be paid. One voucher per
customer. |
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