Unemployment, Sickness & Accident Insurance

If you become unemployed, fall ill, or have an accident which prevents you from working, then it can be difficult to make ends meet. You may have a mortgage or loan commitments, and of course there’s your day-to-day cost of living that needs to be covered. For this reason, and for your peace of mind, we offer Accident, Sickness and Unemployment Insurance. Plus, we’ve made the process of comparing insurance policies fully customisable, so you can tailor cover to suit your exact circumstances. For example if you are certain your job is secure, then you can insure against sickness and injury whilst removing redundancy. Likewise you can cover your income, your mortgage or your loan – or a combination of all three.

Protect Your Income

In times of economic uncertainty, it’s not a bad idea to protect your income. That way, if you become unemployed – or indeed fall ill or sustain an injury – then you could ensure that you can still pay your bills and maintain the same standard of living. With our fully customisable search function, you can even set a preference for when your policy starts paying out if you find yourself not working. You can either have your payout backdated to the day of claim, or defer it in return for a cheaper premium. For example, if you choose for your payout to start 91 days after you stop working, then your premiums will cost less than if a payout is made straight away – a bit like an excess.

Cover Your Mortgage Payments

For many people, a mortgage is the largest regular outgoing. With Unemployment Cover, you can rest assured that your payments could be met for up to 12 months if you can’t work due to illness, injury or redundancy.

Cover Your Loan Payments

If you have secured or unsecured debts, you can also take out a policy which covers payments in the event you can’t work. You can cover loan payments individually, or in combination with income protection and/or mortgage protection.