Accident & Sickness Insurance

unemployment insurance, accident and sickness insurance


	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.

This page has a comprehensive explanation of how accident and sickness insurance works. Below are the policies we offer that enable you to insure against accident and sickness. We consider these policies to be the best in their category. If you have a mortgage or pay rent, mortgage related insurance is likely to be your best option. If you have no mortgage, or a very small one, the policy at the bottom of the list may be exactly what you are looking for.

Cheaper rates available for longer excess periods



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Accident and Sickness Insurance - Your questions answered

The criteria around claims of this nature are reasonably straightforward.

The policy will pay out if a doctor certifies that you have had an accident or illness that prevents you from doing your current or any similar job for which you are reasonably qualified.

You must not be doing any other job.

You must be working at least 16 hours per week before you can apply for a policy.

There are some exclusions that would prevent a claim being made. They are as follows:

Any sickness you knew about, or that is related to a condition for which you consulted a doctor in the twelve months before the policy start date. Our 18 month policy and our income related policy will allow you to claim if you have been free of the conditions for at least two years.

Normal pregnancy

Pre-existing chronic illnesses (See definition below)

Elective surgery e.g. cosmetic surgery - Where you undergo any elective surgical procedure.

Intentional injury (any self-inflicted injuries while sane or insane).

Alcohol, solvent or drug abuse

AIDS or HIV infection

Pre-existing Chronic Condition
This is considered to be a condition that occurs prior to the policy start date, and that continues indefinitely, or that cannot be cured or eradicated and that reoccurs or requires treatment.

Core Conditions of our Three policies
On this website we offer three policies. Two are linked to your mortgage and will pay out for up to 12 or 18 months. The other policy is available to people who have no mortgage but still want to protect themselves from unemployment.

We have researched the market and feel these policies are the best in their respective categories. We are not obliged to sell the policy of any particular company. We constantly review the policies we offer and can change them at any time.

12 Month Mortgage Related Policy
This is an industry leading award winning product. It is possible to protect your monthly mortgage related payments and include an extra 25% for you to use as you wish.

The policy has a maximum payment of £1,500 per month.

18 Month Mortgage Related Policy
This policy is one of the few 18 month policies on the market. It also has very good policy conditions.
It is possible to protect your monthly mortgage payments and include an extra 25% for you to use as you wish.

The policy has a maximum payment of £2,500 per month for the employed and £1,500 per month for the self employed and company directors.

12 Month Income Related Policy
This policy is linked directly to your income. Whilst it could be used to protect a mortgage, loan or other debt, the amount paid out will depend entirely upon your gross proveable income.

The Policy will pay out up to a maximum of £1,500 per month.

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