Accident Sickness & Unemployment
Accident, Sickness, and Protection (ASP) insurance in the UK provides financial support if you’re unable to work due to injury, illness, or unforeseen life events.
Protecting Your Income with ASU Insurance
Accident, Sickness, and Unemployment (ASU) insurance is designed to provide short-term financial protection if you’re unable to work due to illness, injury, or redundancy. In the UK, this type of cover helps individuals maintain their regular income, ensuring essential bills, mortgage repayments, and everyday expenses can still be met during challenging times.
- Financial Security – Protects your income if you’re unable to work due to accident, illness, or redundancy.
- Peace of Mind – Reduces stress during uncertain times by covering essential bills and commitments.
- Flexible Cover Options – Choose accident, sickness, unemployment, or combined protection to suit your needs.
How can we help you?
Contact us at Templar Mortgages - 0121 453 4244.
How ASU Insurance Works in the UK
ASU policies typically pay a monthly benefit if you cannot work due to:
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Accident or Sickness – Provides income replacement if you’re temporarily unable to work due to illness or injury.
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Unemployment (Redundancy Cover) – Supports you financially if you lose your job through no fault of your own.
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Combined Cover – Offers protection across all three areas, giving peace of mind against unforeseen events.
Policies usually pay out for 12–24 months, depending on the provider, and benefits are often linked to a percentage of your monthly income or mortgage payments.
Is ASU Insurance Right for You?
Accident, Sickness, and Unemployment insurance can provide valuable short-term security for individuals and families who rely on a regular income. It is particularly useful for those with financial commitments such as mortgages, rent, or loans. By comparing providers and tailoring your cover, you can ensure you have the right level of protection when life takes an unexpected turn.
FAQ: Accident Sickness & Unemployment
How long does ASU insurance pay out for?
Most policies pay benefits for 12 to 24 months, depending on the insurer and policy terms.
Can I get ASU insurance if I’m self-employed?
Yes, some insurers offer tailored cover for self-employed workers, but unemployment protection may be limited.
What is the difference between ASU insurance and Income Protection?
ASU insurance provides short-term cover (usually up to 2 years), whereas income protection can provide long-term support until retirement or recovery.
Does ASU insurance cover redundancy?
Yes, if redundancy cover is included in your policy, it will provide benefits if you lose your job through no fault of your own.
How much does ASU insurance cost in the UK?
Premiums vary depending on your age, occupation, health, and level of cover, but typically range from £20–£50 per month.
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