Accident, Sickness & Unemployment cover offers valuable short-term financial support if you’re unable to work through no fault of your own. Here’s a breakdown of what’s typically included:
Covered by ASU policies:
Not covered by ASU policies:
When you take out ASU insurance, your monthly benefit is designed to cover your mortgage repayments and essential living costs. While statutory sick pay or redundancy pay may only stretch so far, ASU helps close the gap until you return to work.
A typical example: For a 30-year-old male taking out £100 of monthly cover, the average cost could be around £4.03 per month with a 30-day deferred period. Policies are available through a selection of insurers, with terms tailored to suit your income and employment status.
Call us today 03332 414 113
Your mortgage probably won’t automatically include ASU cover, so it’s something you’ll need to arrange separately. Without cover, a sudden illness or redundancy can put your finances under pressure.
ASU policies help maintain your mortgage repayments when you can’t work. This is particularly important for:
If you’re looking for longer-term protection, income protection insurance may be a more suitable option. While more comprehensive, these policies are also more complex and may involve medical assessments. Income protection typically continues to pay out until retirement or until you’re able to return to work, unlike ASU, which has a 12–24 month limit.
Still unsure? At Zing Mortgages, our protection advisers will discuss both options with you and recommend a solution that reflects your current employment, financial commitments, and future plans.
Call us today 03332 414 113
Tailored Advice: We’re not tied to one insurer. That means you get advice that’s impartial, personalised, and based entirely on your needs, not what’s easiest for us to sell.
Market Access: We offer a wide selection of accident, sickness and unemployment ASU insurance policies from a panel of reputable providers, giving you plenty of choice and flexibility.
Support at Every Step: From assessing your income to explaining the differences between ASU and long-term cover, we’re with you throughout the process. We also liaise with mortgage lenders to ensure your cover fits your obligations.
Options for Self-Employed Workers: While unemployment cover is limited for self-employed individuals, accident and sickness cover is available. We’ll explain the terms, eligibility criteria, and help you gather the documentation you need to apply.
Flexible Appointments: Most clients choose Zoom for convenience, but we’re happy to meet in person or talk over the phone. Whatever works best for you, we’ll work around it.
Call us today 03332 414 113
Whether you're new to mortgage protection or reviewing your existing cover, our team can help. We provide accident, sickness and unemployment income protection advice to homeowners, applicants, and self-employed individuals across Essex and the UK.
For tailored support and access to a broad panel of insurers, contact Zing Mortgages on 03332 414 113 or request a callback online.
Accident, Sickness & Unemployment insurance helps you keep up with your mortgage payments and monthly bills if you’re unable to work due to illness, injury, or job loss. It’s separate from your mortgage and must be arranged independently.
ASU policies typically cover between 60% and 65% of your monthly income, which is usually enough to meet essential financial obligations such as mortgage repayments and utility bills.
Mortgage Payment Protection Insurance (MPPI) is a specific type of ASU designed solely to cover mortgage payments. Standard ASU can be used more flexibly to cover a wider range of bills and financial commitments.
Yes, but unemployment cover is rarely available. Self-employed clients can typically apply for accident and sickness protection. Insurers will require evidence of regular earnings such as tax returns or accounts.
Because it’s impossible to give general advice about what kind of cover you should choose, it’s a good idea to arrange to talk to our protection specialists. They will use your personal information to tailor their recommendations to your circumstances and future plans.
*For insurance business we offer products from a choice of insurers.
There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyhelper.org.uk
For Accident, Sickness and Unemployment insurance, based on a 30 year old male, a typical cost per £100 of cover would be £4.03 per month. This is based on a 30 day deferred period.
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