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With the spectre of redundancy looming for thousands of people, insurance to cover credit commitments has been brought into sharp focus.
If you fear for your job, however, you should still consider some form of insurance to meet your liabilities should the worst happen.
ASU (or Accident Sickness and Unemployment) cover will normally provide cover for up to 12 months only.
A much more comprehensive alternative to an ASU policy is to take out a permanent health insurance (PHI) policy and add unemployment cover to it. It pays a regular income designed to protect your standard of living if you suffer long-term sickness or injury or are unemployed. Benefits usually start after an initial waiting period of 4, 13, 26 or 52 weeks and it is payable until you return to work, die or the policy term expires - whichever happens first.
Another option, which is growing in popularity, is adding Unemployment cover to existing life cover arrangements. Only a few companies offer this facility at present.
If you are self-employed, over 65 or have been with your employer for less than six months, check if the policies you're looking at will cover you at all. Many won't. If you sign up to an ASU policy, be aware which illnesses are actually covered. Two of the most common forms of workplace illness - back pain and stress - are usually excluded from ASU policies.
With Unemployment cover, there is always an initial exclusion period where you will need to wait a number of months after you have bought the policy before you can make a claim. This is done to stop people who know they are about to lose their job insuring themselves. The waiting time is typically between two and three months from the date the policy starts. This is totally separate from the chosen Deferred Period.
For a no obligation insurance quote simply give one of our advisers a call, free, on 08000 11 20 21. Or alternatively, please browse our site for more information on the various types of insurance we can provide. If what you want is not listed above, please call our friendly advisers who can guide you through the complicated world of Insurance.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT
Get in touch
We have friendly, qualified and experienced advisers on hand to help guide you through anything, from your first mortgage to insuring your family against the worst. You can call, email or even use Skype...
Is your home covered?
At Blue Moon Insurance, we are a Whole of Market broker and have the ability to find you the best deal. We can also ensure you get the right policy, to ensure, should the worst happen, you are fully covered...
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Protect your Family
Do you want advice on covering yourself? If the worst should happen, wouldnt it be comforting to know that your family are covered financially? Click here to see how we can help you, or call us, free, on 0800 011 20 21.
Protect Your Mortgage
Here at Blue Moon, we have unbias, experienced and friendly advisers who can help you get the best cover. Its worth insuring your mortgage payments as no matter what happens, keeping your up on your mortgage payments and keeping your home is important. Click here to see how we can help.
Protect Your Home
The fact is, you dont just need to insure your mortgage payments, you should also insure your home. Its not always wise to go for the cheapest cover you can find either. Click here to see how we can tailor your policies to ensure you get the best quality cover for the best price.