This provides help if you are unable to work as a result of an accident, ill health or become unemployed, through no fault of your own. This would cover monthly mortgage and loan repayments and other financial outgoings. ASU policies usually can only be claimed on for a maximum of one or two years. They can be used to pay general bills.
The different types of ASU:
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.moneyadviceservice.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.
"Over 50% of our clients are referrals from other customers we have helped... we must be doing something right!"
Yet again the Financial Detectives have delivered excellent service to us by finding the best mortgages and conditions whilst at the same time, guiding us through the mine field that can so often trip up the unwary house buyer. To most people the process of mortgaging and re-mortgaging can be time consuming and bewildering. Dealing with the FD team takes all that way from you. The team listened to what we wanted and then took it from there searching the market for the deals that best suited our special circumstances. They delivered friendly, professional, timely, responses to all our questions and concerns offering excellent value for money. We have used the team in the past and will do again should the need arise. I have recommended them in the past and will do again in the future. Well done and thanks once again. S Haskins,
The Financial Detectives were a joy to have working on our behalf from beginning to end. With professionalism, an ability to calm a frazzled homeowner (me) and no apparent exasperation at all they managed to negotiate a very competitive product for us, consolidating much of our debt and ensuring five years of financial stability mortgage-wise for our family. No easy feat as we were not the easiest of applications due to complicated work situations and the aforementioned debt. I would have no hesitation in recommending the team to anyone, and will certainly return to them for a new mortgage in 5 years time, although I fear they may run and hide from us! M & C Hayden M & C Hayden, 2017
Daniel Rowden trading as The Financial Detectives is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.