Accident Sickness & Redundancy Insurance

Accident sickness redundancy

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Accident sickness & redundancy insurance

Think about this. Through no fault of your own you lose your income because you are made redundant, or you are unable to work because of sickness or an accident. You have loans such as your mortgage, secured homeowners loan, car loan and credit cards that will still need to be paid, as will other family household outgoings like council tax, utility bills and even life cover. So what can you do?

You need to think about accident sickness redundancy insurance.

Don't be one of the many people who make the mistake of thinking that should they fall ill or have an accident and lose the ability to work, the State will step in and sort it all out for them.

The rules governing sickness benefit claims have changed dramatically in the past few years. Before April 1995, you could qualify for long-term sickness benefit if you were rendered incapable, by sickness, accident or disability, of doing your own job of work. Now the rules state that you will only qualify for long-term sickness benefit if you cannot do any job of work.

In other words, only if you are completely incapacitated will the State help support you. This means that, to all intents and purposes, there are currently no long-term sickness benefits in the UK. Even if you do succeed in getting long-term sickness benefit from the State - currently just over £60 per week - that benefit is now taxed.

This all means that private accident and sickness insurance is the only guaranteed way of being able to put a safety net under you and your dependants.

According to Norwich Union, of all the people currently unemployed, nearly 2 million people are off work for more than six months due to a long-term illness or injury. Also statistics show that you are almost 20 times more likely to suffer a breakdown in health lasting more than six months than you are to die before you are 65. This means that you may well need sickness and accident insurance more than you will need life insurance.

Why use us for your Accident sickness redundancy Insurance?

As a professional insurance brokerage who are authorised and specialise in protection insurances our partner can provide cover against accident sickness and redundancy for home buyers and borrowers resident in the UK.

Unlike many other insurance sites that seem to sell accident sickness redundancy policies via the internet our partner's staff are trained and are authorised by the FSA to give advice to clients. This means that not only will you get what is possibly the lowest cost accident sickness & redundancy cover available anywhere in the UK, but we will also make sure that you get the cover that best matches your needs.

As a specialist company, we have the ability to search the market place for the best accident sickness redundancy insurance policy for you at the lowest possible price in the UK. You can rest easy knowing that our service is free to you, the customer at all times. After having spent time looking at the best solutions for accident sickness redundancy insurance policies in the UK we have chosen to refer you to a website owned and operated by Top Quote UK, specialists in the accident sickness and redundancy insurance market. They have been recommended in a large number of local and national newspapers and magazines including The Times, The Telegraph, The Guardian, The Mail on Sunday and The Financial Times.

Top Quote UK are directly authorised and regulated by the Financial Services Authority under registration number 302674.

Please be aware that responsibility under Financial Services Authority regulations will therefore be assumed directly by Top Quote UK if you purchase accident, sickness and unemployment insurance from them.

You should note that this type of cover is not designed as any form of savings scheme, the premiums that you pay are used to provide the cover against accident sickness & redundancy and if you do not make a claim there is no return of any money.