Accident, Sickness and Unemployment

Accident, sickness and unemployment insurance advice from ACC Associates

Being unable to work due to an accident or sickness, or being made redundant, can cause many problems – as many people have found in recent times due to not having provision or insurance such as accident, sickness and unemployment insurance in place. Not least the fact that there simply may not be enough money to pay the bills either via savings or state benefits. Most people will agree that their home is their most important material possession, yet if mortgage payments cannot be made, the security of a home can be taken away.

To discuss your insurance options in regard to accident, sickness and unemployment insurance, feel free to call us on (01249) 599019 to start your search and take advantage of your ACC Associates’ broker and advisor insurance service. If you need more convincing of this important insurance, continue reading to learn more about accident, sickness and unemployment insurance and the potential effects of the loss of your or your loved ones’ income.

For the majority of employed individuals, you will normally receive an element of sickness benefit from your employer ranging from a few weeks to perhaps a year. I’m sure you’ll agree, if you’ve been off work due to illness or an accident, it was reassuring to know that you still got paid at the end of the month. But what if you were unable to return to work for up to two years or were made redundant? Accident, Sickness and Unemployment cover or Mortgage Payment Protection Insurance is designed to pay an amount equivalent to your monthly mortgage repayment plus provide an additional sum should you wish to cover the essentials such as food and housekeeping.

Though state benefits are available, you normally have to be incapacitated or unemployed for a prolonged period before this support begins.

The cover options under an Accident, Sickness and Unemployment insurance policy

There are a number of cover options available to you with differing deferment periods and payment periods, which will enable us to help you ensure you have the insurance that meets your individual needs. Although the insurance is known as Accident, Sickness and Unemployment insurance we can help you arrange a plan with the following options available:

  • Accident, sickness and unemployment insurance
  • Accident and sickness only
  • Unemployment only

The first step to finding how long you could survive financially, should the worst happen, is to review your available savings and your monthly cost of living. We have a monthly budget planner available which will point you in the right direction and may bring to light some outgoings you may have even forgotten about!

What to do next to receive accident, sickness and unemployment insurance advice

Getting the right accident, sickness and unemployment quote and insurance is an important part of finding the right insurance for you. This is easily done – you can either call us on (01249) 599019 where you can take advantage of the ACC Associates’ insurance advisor service.


Payment protection insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income.