Independent & personal service
98% SUCCESS rate
Access to 1,000+ MORTGAGES
5 star reviews
  • Independent & personal service
  • 98% SUCCESS rate
  • Access to 1,000+ MORTGAGES
  • 5 star reviews

Accident, Sickness & Unemployment Insurance

Supporting your financial commitments when unwelcome circumstances arise.

Mortgages, rent, bills, cars, mobile phones, groceries, pets, clothing. It all costs money. Would you be able to keep up with the costs if you were to lose your regular income? Accident, Sickness and Unemployment policies allow you to continue paying your monthly outgoings, whilst providing the breathing space for you to recover before you return to work, or find the right job, without the financial pressure.

Accident, Sickness and Unemployment Insurance is a policy that provides a monthly tax-free payment, paid directly to you, to replace your income if you were to unexpectedly lose your job due to no fault of your own.

Accident, Sickness and Unemployment insurance, also known as ASU, is an insurance policy that allows you the time you need to recover from an injury or illness or find a new job should you be made redundant, without suffering financially. If you lose your regular income due to accident, sickness or unemployment, your policy will pay a monthly tax-free payment to cover your loss of earnings until up to 12 months, or you return to work.

What about employment sick pay?

Many employers do not pay sick pay for accident and sickness; however, everyone is entitled to government-paid Statutory Sick Pay (SSP). Unfortunately, this totals to around £86.00 per week, which doesn’t go very far. With unemployment, if you are made redundant then you will be entitled to Job Seekers Allowance (JSA), however, this is a weekly payment of £68.00. Could you survive on that?

Government Assistance?

Relying on government benefits will mean that you will need to fall back on your own savings, credit cards, or family and friends, which will quickly become problematic. By having a comprehensive Accident, Sickness and Unemployment insurance policy in place, you are covering yourself against some of the most stressful situations life can deal you and taking control of your future and finances.

We work for our customers around the clock, and pride ourselves on never leaving you waiting for an answer.

See how we've helped others

  • David arranged both our private & rental property mortgages along with other financial matters & made the whole process as straightforward & easy as possible for us.

    He was utterly professional & took us step by step through each process taking a huge amount of the stress away from us.

    We couldn’t recommend The Mortgage Branch highly enough we are so glad we found you!

    Thank you so much!

    Alex Carpenter

    5 Stars (Facebook)

  • Miles and the team are incredibly professional and I absolutely love the fact that they plant a tree for every mortgage!

    Lauren Gilberthorpe

    5 Stars (Facebook)

  • A very professional and efficient service.

    I would recommend The Mortgage Branch to anyone looking to arrange a mortgage, however difficult the circumstances might be.

    Thank you so much.

    Samantha Scott-White

    5 Stars (Facebook)


To discover your options, call us today on 01242 696 235 or email

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