How is working like this when you’re sick going to help you to recover?

Who pays the bills if you can’t work?

Accident,  Sickness & Unemployment (ASU) Cover

 

For buying on-line we have chosen to refer you to a website owned and operated by British Insurance Limited who specialise in accident, sickness and unemployment insurance.

 

British Insurance Limited is the exclusively appointed provider of protection insurance to members of The British Insurance Brokers’ Association (BIBA).  The firm has been recommended in local and national newspapers and magazines including The Times, The Telegraph, The Guardian, The Mail on Sunday and The Financial Times. In addition, its products have topped “Which?” magazine “best buy” surveys.

 

When you click on the button below, it will take you to the British Insurance Limited website, where you will be able to have a no obligation and confidential instant quote, together with all the information you require to apply online for accident, sickness and unemployment insurance.

 

British Insurance Limited is directly authorised and regulated by the Financial Services Authority under registration number 302674.  Be aware that responsibility under Financial Services Authority regulations will therefore be assumed directly by British Insurance Limited if you purchase accident, sickness and unemployment insurance from them.  Having said that, we are always available to give you help and advice should you need it.

 

 

·         Great cover with a firm approved by BIBA.

·         Recommended in the National Press.

·         Quote & buy on-line with minimum of fuss.

·         Has topped “Which” magazine best buys.

·         After purchase back up from us & British Insurance.

Loss of Income Cover

Moneynotion Limited

Fully Independent Advice on

Insurance, Mortgage, Financial Advice and Risk Management

2 main ways to insure:

       ☺  Sickness and Accident cover

       ☺  Permanent Health Insurance

This page should help you to understand and compare the differences between the 2 and to make a judgement whether one, the other, or a mixture of both is best for you.  After assessing this, use the links to buy on-line or to contact us for a discussion and further details.

All policies depend on several things, including health, age, occupation, smoking habits etc.

Sickness and Accident Cover - Features

 

1                      Covers sickness, accident, or both (and often Unemployment - see below).

2                      It’s annually renewable.  This means that either you or the insurer can decide not to renew the cover for another year.  It also means that YOU have a responsibility to disclose ALL material which may affect the insurer’s assessment of your risk, including any changes.  If the insurer doesn’t like it, they can up the premium or cancel cover at renewal!

3                      Premiums can vary from year to year.

4                      Weekly Benefit usually starts after a short period (can be as low as 7 or 14 days).

5                      Weekly Benefit usually stops when you return to work or in any event after 104 weeks (2 years).  There is no further weekly payment after that time.

6                      Lump sum payments are often included for accidental death, loss of limbs/eyes, permanent total disablement.

7                      In recent years a newer form of this cover has emerged, with unemployment cover included.  This is usually known as Accident Sickness and Unemployment (ASU) cover - see below.

 

Permanent Health Insurance - Features

 

1                      Covers inability to work due to ill health only.  (Lump sum benefits on death, loss of limbs etc. are not usually included.)

2                      It’s a permanent contract up to the maximum age you’ve selected (often your retirement age).  The insurer cannot decide to cancel cover ibecause of the number of claims you’ve made, or on any change in health.  The insurer can only increase your premium in a pre-agreed way,  e.g. increasing the level of cover.  Changes in occupation can give rise to changes in premium or to availability of cover.

3                      Weekly Benefit usually starts after a longer period.  This can be as low as 4 weeks, but it’s usually 13, 26, 52 or even 104 weeks - usually to tie in with the period over which an employer allows sick pay.

4                      Weekly Benefit only stops when you return to work or in any event at the agreed age, 50, 55, or (more usually) 60 or 65.
Click here to obtain your quote and to buy on-line

Click this button for more details on ASU and to arrange cover.  ►

Note - this page gives a very brief summary.  It does not constitute a Key Facts Document, nor does it replace any policy wording.  For more information or for specific advice, please contact us.