Income Related Unemployment, Sickness and Accident Insurance

unemployment insurance, accident and sickness insurance


	Unemployment, accident and sickness insurance At Platinum our aim is to keep things simple. Nevertheless this website is packed full of information to help you fully understand the policy you require. For a comprehensive understanding of our policies, please use the buttons below.



All of the above policies are available to purchase as either unemployment and redundancy insurance only; accident and sickness only; or as full accident and sickness and unemployment insurance. We offer products from a range of insurers.

Income Related Unemployment, Sickness and Accident Insurance. We are pleased to be able to offer our clients an opportunity to obtain ASU cover even if they have no mortgage. This is the only way to insure your income against unemployment. Our policy has a very attractive "back to day one" rate (0 day excess), with even cheaper rates available for longer excess periods.


* Quote based on unemployment policy with 0 day excess


Income Related Accident and Sickness & Unemployment Insurance - How it Works
As general insurance advisers, we are registered with the Financial Services Authority under number 227014. We offer products from a range of insurers. Please note: Our recommended policy is not based upon individual appropriateness, but rather we feel that its features versus its cost currently make it the best value for money policy from all those available to us. It is purchased as an execution only transaction.



	If you have any questions or need any help, please call.

	If you would like a free copy of our completely independent guide to the ASU market in the UK, please click the button below.

Our income related policy works in exactly the same way as mortgage related Accident, Sickness and Unemployment Insurance. For more information on how ASU policies work please click here.

Cover can be purchased as full accident, sickness and unemployment cover; unemployment only; and accident and sickness only. The terms for this cover are broadly the same as published on our unemployment and accident and sickness pages.

The majority of people who buy this policy tend to purchase unemployment cover only. These people tend to be in a situation where they have no mortgage (or pay very little mortgage or rent), but are keen to have insurance in place should they be made redundant.

You are able to protect up to 60% of your gross proveable earnings, with an upper limit of £1,500 per month.

Some people who already have a mortgage related policy buy this cover as well. This is so they can not only adequately pay their mortgage but also have some additional funding for themselves. All of the policies available on this website can be run in tandem. If you already own a mortgage payment protection policy and want to buy stand alone income related cover, please check with your existing insurer that they will allow you to run policies in tandem.

If you purchase this policy to run along side a mortgage linked or similar policy, the total of all the cover you purchase must not exceed 60% of your income.

The policy has no specific term, however you must have earned proveable income at the time of a claim.

In the event of a claim you will need to prove your income and regular provable earnings.

Our simple on-line quote will provide you with an indication of cost. You can alter the quote until you arrive at a benefit and premium that meets your needs. If you want to apply for cover we can do it all on-line in a matter of minutes.

That’s the simple stuff.... for those of you who like more information you can download the policy summary by clicking the buttons above.

These notes are intended as a guide only.

Upon application we will confirm you have supplied all necessary information, and inform you of the terms and conditions of the selected provider, before the policy comes into force.

If you think these notes are incomplete or misleading in any way, please contact us immediately

Authorised by The Financial Services Authority

Your Home is at risk if you fail to keep up payments on a mortgage or other loan secured on it

Written quotations available on request

Telephone : 0845 83 87 811 Fax : 0871 277 1422 Email : info@platinumifa.co.uk

FSA Registration Number : 227014