Call us
01242 697821

Blogs

Keep up to date with the latest news and our guides on all things mortgages. 

What is ASU? Accident, Sickness and Unemployment Cover explained

Accident, Sickness and Unemployment (ASU) Cover is an insurance policy designed to help people who are unable to work due to injury, illness, or unemployment. The policy provides financial support to help cover living expenses, such as rent or mortgage payments, utility bills, and food. This type of insurance is becoming increasingly popular as people become more aware of the potential financial impact of unexpected events that could leave them unable to work.

 

Many people who are considering taking out ASU Cover may be on the fence about whether it is the right choice for them. Here are some reasons why securing ASU Cover could be a smart decision:

  • Peace of mind:

The unpredictability of life means that accidents, illnesses, and unemployment can happen to anyone, at any time. With ASU Cover, you can have peace of mind knowing that you and your family will be financially protected if such an event occurs

  • Financial stability:

ASU Cover provides financial support when you need it the most, helping to cover living expenses when you are unable to work. This can help prevent the stress of financial difficulties and ensure that your family's lifestyle remains intact.​​​

  • Continuity of payments:

In the event of an accident, illness, or unemployment, ASU Cover can provide you with a regular income to help cover living expenses. This can help you to maintain your standard of living and avoid falling into debt.

  • Customisation:

ASU Cover policies are often customizable, which means you can choose the level of cover that most suits your needs and budget. This can help you to get the protection you need at a price you can afford.

 

In conclusion, Accident, Sickness and Unemployment Cover can be a valuable safety net for anyone who wants to ensure financial stability during times of illness, injury, or unemployment. If you are on the fence about whether to take out this type of insurance, consider the peace of mind and financial security it can provide, and speak to an insurance adviser to discuss your options.

Related

The Hidden Benefits of Using a Broker for Your Protection Policy

The Hidden Benefits of Using a Broker for Your Protection Policy

Did you know that nearly one in five adults in the UK who start looking into protection insurance do...

Read More >
Protection: How Needs Evolve Over a Lifetime

Protection: How Needs Evolve Over a Lifetime

Understanding how your insurance needs change over time is key to maintaining financial security for...

Read More >
Why Insurance Reviews Matter

Why Insurance Reviews Matter

Regularly reviewing your insurance policies ensures your cover remains accurate and up to date. As c...

Read More >
When Might an Insurer Not Pay a Claim?

When Might an Insurer Not Pay a Claim?

We often get asked, when might an insurer not pay a claim? I understand how frustrating it can be wh...

Read More >
Life Cover Isn’t a Nice Option to Have - It's Essential

Life Cover Isn’t a Nice Option to Have - It's Essential

Life is unpredictable, and the thought of what would happen to your loved ones if you were no longer...

Read More >
Understanding Protection vs Insurance: What’s the Difference?

Understanding Protection vs Insurance: What’s the Difference?

You may have heard the terms “Protection” and “Insurance” (like critical illness insurance and l...

Read More >

What our clients say...

Latest Blog

Autumn Budget 2025: What Homeowners and Buyers Should Know

Delivered by Chancellor Rachel Reeves on 26th November, the 2025 Autumn Budget brings a mix of new c...
Read More

Take The Stress Of Christmas With Equity Release

The festive season can be magical. But honestly, we are speaking to so many of our clients, and the ...
Read More

The Hidden Benefits of Using a Broker for Your Protection Policy

Did you know that nearly one in five adults in the UK who start looking into protection insurance do...
Read More

How Health Cover Is Evolving, And Why It Matters

Health insurance has come a long way. Once seen as something you only used when you were unwell, tod...
Read More

Remember To Update Your Home and Content Insurance

It’s that time of year again! Twinkly lights, endless mince pies, and maybe a few exciting new gift...
Read More

Big News! Interest-Only Mortgages Just Got Easier

Big news from the mortgage world: Nationwide are releasing interest-only mortgages to first-time buy...
Read More

The Art of Spending Mindfully

As your broker, I want to help you not just protect your financial future with the right mortgage or...
Read More

Insurance That Works Harder

When it comes to health insurance, many people think only about hospital treatment, consultations, o...
Read More

Protection: How Needs Evolve Over a Lifetime

Understanding how your insurance needs change over time is key to maintaining financial security for...
Read More

A Better Way Forward for Equity Release

Equity release has helped thousands of UK homeowners unlock the value in their property, but it hasn...
Read More


Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


  • Back to top