Accident & Sickness Insurance

If you were to think about it, it is practically impossible to lead a decent life without earning money. Even though you may hate waking up in the morning to go to work, deep down you know that this is an indispensable part of your life, and if it weren't for your work you wouldn't be able to buy anything.

Why do you need an Accident, Sickness, Unemployment and Redundancy Insurance?

  • You cannot predict the future. You are fit and healthy, and so chances are you never think about the possibility that you may end up suffering from a prolonged illness, or from a disability resulting from an unexpected accident. However, these things unfortunately do happen, and it is better to plan in advance so as to be properly protected. 

  • Unemployment problems are common in every country, and even though you are employed at the moment, it does not mean that in the future you are still going to be needed at that same place of work. Things change, economic conditions vary, and you could end up unemployed or redundant just like thousands of people.

  • If you are the breadwinner of the family, the need to have such a coverage becomes even more prevalent. Should you end up sick, unfit for work, unemployed or redundant, you are going to have a negative impact on all the family.

You start to appreciate the importance of being employed, when an unexpected incident happens, and you end up sick or unable to work for a long period of time, or if you end up being redundant or unemployed. At that point you are bound to start panicking about your loss of earnings. So, to make up for these incidents, it would be best to invest in an accident, sickness, unemployment and redundancy insurance policy. 

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As the saying goes, prevention is better than cure, and with such an insurance policy you would be protected against these possibilities, which could have you and your family suffer financially.
This type of insurance policy is all encompassing, in that it covers accidental injury, sickness and illness that will lead the policy holder as being unfit or unable to work for a long period of time. The policy also offers coverage when for some reason or another you end up unemployed. If you were made redundant and cannot get your job back, this coverage will prove to be indispensable as you would be able to deal with the various daily expenses until you manage to find a new job.
This insurance policy can also be made specific to a debt . So basically, in case you end up unemployed or unfit for work, the policy will cover your debt repayments during that period of time. in such a way you can n put your mind at rest that the loan will be seen to and you will not fall behind with repayments. Obviously the policy will pay for a specific period of time.

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Why should you choose us for your Accident Sickness, Unemployment and Redundancy Insurance?

  • We are backed up with several years of experience in the insurance business, and this has led us to build up a good reputation that will offer you peace of mind and support.- We offer different options so as to customize a policy coverage that is ideal for the client.

  • We seek to offer our advice so as to help you make the right choice.

  • We will be with you every step of the way so that you do not feel at a loss with technicalities and jargon. Our helpful and experienced insurance specialists are ready to assist you with any problem or query.

What makes our Accident Sickness, Unemployment and Redundancy Insurance policies better than those offered by other companies?

  • First of all, the affordable rates that we offer make our policies among the best in the market. We understand that when it is time to pay the annual premium you tend to forget about all the benefits of having an insurance policy, and simply view it as just another expense. Thus we offer competitive premium rates that are affordable and ideal for anyones budget.

  • There are no complicated terms and conditions. Every detail is explained instantly and in a simple way so as to make sure that you understand what you are buying. Also, there are no hidden fees or charges. You can get quotes from other insurance companies, but we can guarantee that ours will be the best offer.

  • Even though we offer highly affordable rates, we still offer comprehensive insurance coverage and you can rest assured that you will be properly protected when opting for one of our insurance policies.

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A tailor-made insurance policy to meet your needs more specifically:

  • We value each and every client, and also understand that each client will have his or her own specific needs and preferences. Thus, we offer comprehensive covers that can be tailor made for each client. 

  • Since the cover is designed to meet your needs more specifically, you will be not be paying for anything that is not required.

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So, to summarise everything, what are the benefits of an Accident Sickness, Unemployment and Redundancy Insurance policy?

  • The coverage will pay out upon injury, disability, and illness. This could be the result of an accident, or a medical condition that affects the policy holder in a way that does not allow him or her to perform his or her duties at work.

  • The coverage pays out in case the policy holder is made unemployed or in case of an involuntary redundancy.

  • The policy will cover pre-determined bill payments. These include payments for utilities, rent, loans and mortgages. The policy holder will thus not fall behind on these payments and repayments, at least for a period of time.

  • The coverage pays out between 50 and 60% of the policyholders previous monthly income for a set period of time and free of tax.

  • The policy holder will also benefit from an ongoing compensation for reduced capacity or reduced salary clause. This will be activated on return to employment.

So what are you waiting for? Contact us now for a free quote. Protection is always the best way forward.

Get An Online Quote for Accident & Sickness Insurance


Phone 01592 640011

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Just to say thank you for your help in sorting out my travel insurance.  I was most impressed with your service and when I can recommend your business, be sure I shall

" Mr Greig, Edinburgh