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Accident, Sickness, Unemployment, Insurance: income/ mortgage protection for UK residents

Accident, sickness and unemployment insurance policies (ASU) are designed for protection and to protect your income and monthly payments e.g. mortgage, rent and utility bills, should you be unable to work in the UK. Accident sickness and unemployment insurance provides cover to enable you to keep a reasonable standard of living until new employment can be found.

There are three main forms of accident sickness unemployment insurance in the UK. Mortgage payment protection insurance, Income Protection insurance and Loan Protection insurance. Accident sickness and unemployment cover can be taken combined. You may want just A/S insurance on its own or U/E insurance on its own.

B. Portwood & Company Ltd can offer accident sickness and unemployment insurance quotes online with immediate cover in the UK. Select the accident sickness and unemployment insurance policy you want from the links below. You can save money - subject to terms, conditions and acceptance.

We can offer Accident, sickness and unemployment insurance for the self employed or company directors. 'Unemployment' in this case means 'cessation of trade / bankruptcy'.

We have highlighted the policies that we think give best value for money.

	Accident sickness and unemployment insurance on a stand-alone basis (up to £1500 per month). Cheapest insurance rates for full ASU cover for the under 50's at £4.70 ASU back to day one after 30 days. Discounts for 30, 60, 90 or 180 day excesses. Reduced rates for mortgage protection with cover to £2000 per month.
	Accident sickness and unemployment insurance to cover monthly commitments. Insurance up to 90% of your TAKE-HOME pay or £3,000. Can have up to 18 months benefits, wider cover. Discounts for 30 day or 60 day excesses. Typical rates: ASU £5%, AS/ U/O £3% - 60 day initial exclusion period and exclusion-free transfer from other insurance policies.
	Accident, sickness and unemployment insurance to cover monthly commitments +25% up to £2,000. No need to specify the commitments BUT evidence will be required at point of claim to justify said claim. VERY competitive rates especially for the over 30. Cover mortgage, loans, insurance, council tax, utilities, HP, leasing, IVA, credit cards and DMP. ASU from £3.45%, Unemployment £3%
	Combined accident sickness and unemployment insurance for mortgage protection and income protection. Can be mortgage protection or income protection only. Better rates for over 30's. Back to day one after 30 days, 30 day excess or 60 day excess. U/O from £2.25% (60 day excess) or £2.50% (back to day 1). Full ASU from £2.75% (60-day excess) or £3.75% (Back to day 1). U/E restricted to redundancy.
Key Facts	NEW Accident sickness and unemployment insurance. Cover up to £2,000 per month for monthly commitments.60 day initial exclusion period - choice of Back to day one, 30, 60 or 90 day excess. Option of Life cover for 12 X monthly benefits. Rates: between 5% and 6% for combined cover. Small reductions for Unemployment only insurance. Protects your legal rights in the event of Employment & Contractual Disputes or Bodily Injury caused by a Third Party. Legal Expenses up to £50,000, plus free 24 hour Legal & Tax Advice Help-lines Back to Work Assistance Services. Practical help with CV preparation. Back to Work Guide. Outplacement assistance. Access to Job Data base.
	Loan  Protection insurance
	General information about payment protection.
	IVA debt management for UK residents if you are already having debt problems.

Accident Sickness and Unemployment Insurance in the news

• BBC : Thousands wasted on insurance. What happens when the banks rip you off.

• BBC : HSBC fined £1 million. At least the FSA can get tough when needed.

• BBC : sort out your finances. A warning to find the best products for PPI - we offer them!"

• BBC : push for mortgage insurance. What can happen without cover (from 1998 but relevant today).

• The Mail : Know your rights on redundancy. Useful but the rates are out of date. Current rates with British insurance are available using the top quote button above.

• The Mail : High street banks rip off customers. As if you didn't know! That is why you should use a broker.

• the Mail : Post office rips of customers. It seems it is not just the banks!

• The Guardian : Banks told to stop selling ASU insurance at POS. It's a fairer world when the customer can look around to find cover.

If you need assistance to clarify matters call us on 0844 8262616. We will assess your needs and make a recommendation as to which would be best for you. Examples of features we will look at for are: benefit period, reason for needing cover, initial exclusion period and occupation.

B. Portwood & Co Ltd Brokers are brokers. We are authorised and regulated for insurance mediation by the Financial Services Authority. This may be checked by viewing their website or calling them on 0845 6061234.

Accident, sickness and unemployment insurance -  other policies available for our clients 

Accident Sickness & Unemployment Insurance Links

More info on mortgage payment protection

income protection insurance - general information

car insurance - we offer it but not online - but provide excellent cover and help when you need it.

 home insurance - from one bedroom to a mansion, we can help

 Motorcycle insurance

 travel insurance

 liability  insurance

accident insurance

Links to other parts of website

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