Accident, Sickness & Unemployment Cover Advice & Best Deals

Let us put you in touch with one of our insurance experts who will give you impartial advice and help you find the best available insurance deals at the right price for you.

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Why use us?

From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.

Quick service

From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.

Expert advice

We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.

Reduced stress & time saving

Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.

Reliable service

Whatever type of financial product or service you are looking for, our service is reliable and always matched to your own personal circumstances.

What is Accident, Sickness & Unemployment Cover?

Accident, Sickness & Unemployment Cover is designed to cover you for many different reasons should anything go wrong and prevent you from working. This can also be known as Income Protection.

What your policy will cover?

  • If you have an illness that means you are then too sick to work.
  • In case an injury occurs and you are then unable to work.
  • If you lose your job and it is no fault of your own.

What types of payout can cover provide?

The payout is usually a proportion of your income for up to a year or until you return to work, in order to cover monthly expenditure. This was you have time to get back on your feet before going back to work.

However, with Accident, Sickness & Unemployment Cover it will only cover one debt. It is usually a mortgage so you will have no extra money for other items. It can also be used as a form of income, or for any other repayments you may need to make. As well as this payment is normally deferred. The normal time for a payout is usually 30 days after you make the claim due to the deferred payments. The claim will then be dated back and paid out

Who is eligible for Accident, Sickness & Unemployment cover?

Anyone is eligible for cover as long as you are over 18 and under 60. Also, your normal residency needs to be within the UK. You must also be in employment and work a minimum of 16 hours a week and have been in this employment for at least 6 months. However, you may not be covered if your job is at risk when the policy is taken out. It can also be harder to get Accident, Sickness & Unemployment Cover if you are: Over 65, self-employed or just starting a new job.

Get in touch today on 01332 821 340 to make sure you get the best policy for your situation!

Our approach - and how we do it


We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!


One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.


Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.

See what our customers think ...

What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……

Ian Stamp

From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend.

Ross Nightingale

Let us do the work of finding you the right insurance products

We’ll put you in touch with impartial advice from an expert financial advisor who will help secure you the best financial advice and insurance products and services available.