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11 Purdeys Way, Rochford, England, SS4 1ND
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Accident, Sickness and Unemployment (ASU) insurance is a short-term income protection policy that’s designed to support you financially if you’re unable to work due to illness, injury, or involuntary redundancy. Sick Pay Insurance typically pays out a monthly, tax-free income (usually up to 50–70% of your regular earnings) for a set period such as 12 to 24 months.
You can choose to have Sick Pay Insurance only, Accident, Sickness and Unemployment Insurance or a combination of Accident and Sickness cover. Depending on the policy, there may be some exclusions, such as pre-existing conditions or prior awareness of an upcoming redundancy.
Sick Pay Insurance in the UK is a type of cover that offers you financial protection should you become ill and are unable to work. Along with our Sick Leave Insurance for employees in the UK, we also offer various other types of business insurance including Executive Income Protection, Self Employed Income Protection and Key Person Income Protection. You can also find other types of insurance, including Family Income Benefit.
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If you work for yourself, self employed sick pay insurance can be especially important, since you will not have an employer to fall back on for sick pay. Without this cover, being signed off work due to illness or injury could mean no income at all while your bills keep coming in. Self-employed sick pay insurance usually pays a tax-free monthly benefit after a waiting period, sometimes called a deferred period, giving you breathing room to recover without the added stress of falling behind financially. Many self-employed workers in the UK choose this cover alongside self-employed income protection for wider, longer-term security, or alongside self-employed life insurance for life cover too.
Sick pay insurance for employees in the UK can be arranged individually, or set up by an employer as part of a wider benefits package. For employers, sick pay insurance often takes the form of group cover, offering income replacement to staff who fall ill or are injured, on top of statutory sick pay. This can make a business a more attractive place to work while also protecting employees during a difficult time, especially when paired with employee life insurance for wider staff cover. If you are exploring sick pay insurance for employers, group policies are often more cost-effective than several individual plans, and can be tailored to different roles or salary bands within your business. Individual employees who are not covered through work can still arrange their own sick pay insurance independently.
ASU Insurance is designed to provide short-term Income Protection if you’re unable to work due to unexpected life events. For example, you or your employees may be signed off work by a medical professional due to illness or injury, which is where ASU Insurance can kick in and cover the lost income to cover rent, mortgage and regular bills.
This insurance also covers involuntary redundancy, meaning you’ll receive payments if you lose your job through no fault of your own. ASU insurance is especially valuable for employees and contractors who may not have access to long-term sick pay or redundancy packages. It offers a financial buffer during uncertain times and helps make sure you can stay on top of your finances.
Although this type of insurance provides extensive cover, there are exclusions. If you have a known illness or injury before taking out the policy, claims related to that condition are usually excluded unless disclosed and accepted by the insurer. Cover may also vary depending on your employment status, such as if you are on a short-term or zero-hours contract, so it’s worth checking the exact terms before you take out a policy.
Sick pay insurance is ideal for employees, contractors, and self-employed individuals. It can provide financial stability if you suddenly become ill or injured, typically covering 50 to 80% of your income to help with mortgage or rent payments, utility bills, and other essential costs. If your employer offers minimal sick pay, or your savings would not last more than a few months, sick pay insurance can be a genuine lifeline.
Most sick pay insurance policies can cover people who are actively working, whether employed, a director, or self-employed. For most policies, you can apply if you are aged between 18 and 60, sometimes up to 64, with cover potentially lasting until age 65 or retirement.
There are two main types: short-term and long-term. Short-term cover typically lasts 12 to 24 months and is designed to cover a temporary loss of income due to illness or injury. Long-term insurance pays out until you return to work, retire, or the policy ends, such as when you reach 60 or 65. This type of cover provides ongoing income support if you develop a serious or long-term health condition.
If you’re looking to implement a financial safety net in case you are unable to work due to an accident, illness or you are made redundant, Accident, Sickness and Unemployment Insurance can help. Get in touch today to discuss your requirements and apply for a quote.
What people are saying about us.
Jody was very helpful in explaining the options and I thoroughly recommend his company
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The standard of service was first class. They kept me up to date with progress on my Relevant Life Policy, followed up promptly following delays caused by my medical practice being slow in compiling reports, and responded instantly and clearly to any questions I had.
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You’ll typically need to provide your age and employment status, along with your monthly income and details of any pre-existing medical conditions, along with how much Sick Leave Insurance cover you want and your preferred policy period.
ASU policies typically cover between 50-70% of your gross monthly income, or a set amount like your monthly mortgage or rent payment. You should calculate essential monthly outgoings to help you work out how much cover you need.
You can claim on the insurance when you’re unable to work due to an accident or illness, or if you’re made redundant involuntarily. In most cases, there is a waiting period before the policy can be paid out.
ASU is designed to complement your existing sick pay. Many policies allow you to defer payments until the company’s sick pay ends.
This insurance is short-term and typically pays out for up to 12 to 24 months, and can include redundancy cover, while Income Protection Insurance is long-term and covers you until retirement if needed, but it doesn’t include unemployment cover.
Yes, the insurance typically includes unemployment cover that pays a monthly benefit if you’re made redundant through no fault of your own.
You can use ASU insurance in the UK to cover rent or mortgage payments. In some cases, the policy may even be tailored specifically for mortgage holders.
You’ll typically need to provide your age and employment status, along with your monthly income, details of any pre-existing medical conditions, how much cover you want, and your preferred policy period.
Sick pay insurance policies typically cover between 50 and 70% of your gross monthly income, or a set amount such as your monthly mortgage or rent payment. It helps to calculate your essential monthly outgoings to work out how much cover you actually need.
Sick pay insurance is designed to complement your existing employer sick pay. Many policies let you defer payments until your company’s sick pay ends, so the two work alongside each other rather than overlapping.
