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Accident, Sickness & Unemployment
Protect your income and keep up with payments if the unexpected happens
Accident, Sickness & Unemployment (ASU) cover helps you stay financially secure if you’re unable to work due to an accident, illness, or job loss.
It can cover your mortgage, bills, and everyday expenses, giving you peace of mind while you focus on recovery or getting back on your feet.
What's Covered
Accident Cover
Financial support if you’re unable to work due to an accident
Sickness Cover
Helps replace income if illness prevents you from earning
Unemployment Cover
Protects your income if you lose your job through no fault of your own
Key Features
Monthly payments to cover bills and everyday expenses
Mortgage or rent protection to keep your home secure
Short-term cover (typically 12–24 months)
Flexible options – can be standalone or added to mortgage protection
Fairly streamlined claims process meeting all policy conditions
Important Information
- ASU insurance usually has waiting periods before you can claim.
- Exclusions may apply depending on the policy.
- It’s important to understand the terms and conditions before taking out cover.
- Our advisers can help you find the right protection for your needs.
ASU Insurance FAQs
What is ASU insurance?
ASU insurance covers accident, sickness, and unemployment, providing short-term income replacement.
How does ASU differ from income protection?
ASU policies usually pay out for a limited period, while income protection can provide longer-term cover.
Is ASU insurance worth it?
ASU can be valuable for short-term protection, particularly if you have limited savings or job security concerns. However, it typically only pays out for 12-24 months and has exclusions. Income protection often offers better value for comprehensive long-term cover, though ASU premiums are usually lower because of short term payouts & simplified underwriting.
What are the main exclusions on ASU policies?
Common exclusions include pre-existing medical conditions, voluntary redundancy, dismissal for misconduct, self-employment (on some policies), and claims within the first 30-90 days. Unemployment cover typically only applies to involuntary redundancy after 6-12 months continuous employment.
Are unemployment claims guaranteed?
No. Claims must meet policy conditions, including redundancy criteria and waiting periods.
Is ASU insurance compulsory?
No. ASU insurance is optional.
Protect Your Financial Future
Speak to our protection specialists about ASU cover