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What is accident, sickness and unemployment insurance?

If you have an accident, serious illness or find yourself without a job, having payment protection insurance in place will provide you with another income when you’ve lost yours. You can have full accident sickness and unemployment cover, or just standalone unemployment cover.

The cover provided will depend on any sick benefits you get through work if you are applying for the accident and sickness element of the cover. For unemployment insurance you will need to have been in work for a certain period which may include passing any probation period. You will usually have to be in full-time work and not aware that your job is in danger at the time of applying. 

Frequently asked questions

  • How does accident and sickness insurance work?

    Accident and sickness insurance cover will pay out a lump sum if you suffer a serious injury, accident or illnesses that prevents you from working which will help to replace your monthly income.

  • How long are accident sickness and unemployment benefits usually payable for?

    A short-term policy will cover those unable to work for a set period usually up to 12 months. This will usually be cheaper than a long-term policy which will continue to pay out either until you return to work or retire which could be, within reason, any amount of time. This policy will attract higher premiums.

  • How long does the average compensation claim take?

    There will normally be a deferred period attached to the policy which will be the length of time you will wait before the monthly benefit is paid. If you can manage for a few months without receiving payment, then the premiums will be lower. 

Why choose The Mortgage Brain for insurance?

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Your dedicated insurance & protection specialist will be with you every step of the way, from the initial consultation to the completion of your policy

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