Accident, Sickness & Unemployment
Income protection - unemployment insurance, accident insurance; ensure your home is not at risk if you cannot work.

Accident, Sickness and Unemployment insurance (ASU), can also be referred to as mortgage payment protection and will provide you with an income to meet your outgoings if you are off work sick, have an accident or are made redundant. It pays out a monthly benefit to cover your mortgage and other related costs.

You may choose the amount of benefit you would like to receive - although there are some limits on the maximum amount. The premium will be a percentage of the amount of monthly benefit you would like to receive. Benefits are usually payable for a maximum of 12 months.

Some policies will also allow you to choose whether you want to receive benefits for accident and sickness only, unemployment only or all three. Most policies will also have a 'deferment period'. This is the period of time you will have to wait after losing your source of income until you may claim the policy benefit.

All of the insurance products and services mentioned above are introduced by Burgesses Ltd., which is authorised and regulated by the Financial Services Authority. When you click to go to the Burgesses Ltd website, you will be able to get a no obligation instant quote, together with all the information you require to apply online. Please be aware that responsibility under Financial Services Authority regulations will therefore be assumed directly by Burgesses Limited if you purchase accident, sickness and unemployment insurance from them. The Burgesses service is subject to its terms and conditions.