Accident, Sickness and Unemployment cover

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An introduction to Accident, Sickness and Unemployment cover

Payment protection insurance (otherwise known as short term income protection) and mortgage payment protection insurance, are both different forms of accident, sickness and unemployment cover, more commonly known ASU.

This kind of policy is particularly useful if you are concerned about whether or not you could cope financially in the event that you lost your job through redundancy or ill health.

You can take out an accident sickness and unemployment policy that is specific to a debt so that repayments will continue to be made in the event that you lose your income through an accident, sickness or after becoming unemployed.

Bear in mind that most ASU insurance policies are time limited, so they will only pay out for a set period. This can range from a few months to a couple of years, although if you decide instead to opt for a broader income protection policy, this will continue to pay you a monthly amount until you either recover or until the end of the policy term. Policies also carry certain restrictions. For example, you may not be covered if you are already at risk of unemployment when you take out a policy.

The longer your cover lasts, the more expensive it is likely to be.

If you would like more information on accident sickness and unemployment insurance cover, please read our Accident, Sickness and Unemployment guide.

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