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Accident, Sickness and Unemployment (ASU) insurance is a type of insurance that offers protection for your income during times of difficulty, helping to ease your mind if you find yourself unable to work.

ASU cover ranges from a few months to a couple of years, but this type of insurance is designed to be a short-term solution, although longer term policies are available but you’ll have to pay extra for them.

What Is ASU Insurance?

ASU insurance is designed to protect you and provide financial aid if you find yourself in the following scenarios:

  • Sudden illness which leaves you unable to work and earn an income
  • Suffer an injury which leaves you unable to work, thus affecting your monthly income
  • Find yourself unemployed due to no fault of your own

Whatever the reason for your difficulties, ASU insurance can help you by covering yourself against these possibilities, for it’s better to be safe than sorry, and by protecting yourself in the short-term, you can ensure you’ve at least some income should you find yourself unable to work as a result of the reasons above.

How Much Is Usually Paid Out?

The amount paid out is calculated from your annual income – usually over a 12 month period - and is usually a proportion of these wages, giving you a lump sum to help to cover monthly outgoings.

When you are working out how much to secure against yourself in an ASU policy, make a list of your bills and outgoings in order to work out a predicted value, including:

  • Mortgages
  • Loans
  • Bills – including utilities and phone bills

When taking out an ASU insurance policy it pays to be honest with your broker, as such policies are usually heavily scrutinised to protect against fraud.

What Can Affect An ASU Insurance Application?

Be wary though, as there are certain factors which may hinder your application for an ASU insurance policy:

  • Age – those over 65 may have difficulties in finding cover.
  • Length of employment – if you’ve been in your current job for less than six months you may be outside of the qualification window.
  • Medical – some medical conditions will be limited or even excluded from an ASU policy, and pre-existing conditions will not be counted towards a policy either. Talk to your broker about what qualifies and what doesn’t to be sure before you buy cover.

How Long Will My ASU Cover Last?

ASU policies are time-sensitive however, and you’ll be subject to a waiting period upon taking out a policy, this helps companies to prevent against fraudulent claims. This means that if you were to make a claim shortly after taking out a policy you may not be eligible for a payout.

Also, any payouts you may be eligible for may run out after 12 months of taking out a policy, be sure to check this with your broker before you commit to an ASU insurance policy.

Protecting yourself for the long-term is all well and good, but taking out a policy in the wake of impending redundancy may make your insurer raise an eyebrow, and these policies are usually very heavily scrutinised.

ASU insurance is indeed a short-term solution to protect against sudden changes in your circumstances, but bear in mind that taking out a policy earlier will be better in the long-term, as taking out a policy in reaction to an upcoming layoff will not go down well with a broker when it comes time to pay out.

When searching for an ASU policy it’s best to shop around for the best deal. Fill in a few details about yourself and your work here at Quotiva and we’ll search our network of brokers to find you the best deal.


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