How Does Accident & Sickness Insurance Work?
When you take out accident & sickness insurance through Mortgage & More, you're gaining more than just a policy, you're accessing professional advice from a team that genuinely cares about your financial wellbeing. This type of insurance works by providing you with a regular payout if illness or injury leaves you unable to earn. Typically, the benefits are often set to pay for 12 months (or until you return to work), however you can arrange for the benefit to be paid until the policy end date (or your return to work, whichever is sooner), but don't worry, that's why we're here to help.
Many of our Maidstone clients seek this cover specifically as accident cover for mortgage payments, ensuring their home stays safe & secure during challenging periods. Some policies can be tailored to cover specific debts, such as a mortgage or personal loan, while others may offer wider income protection. As impartial advisors, Mortgage & More will help you understand which sickness cover insurance or personal accident insurance policies match your precise needs, & what to check within your employer benefits before committing.
What Does Accident & Sickness Insurance Cover?
Accident & sickness insurance in Maidstone provides a valuable financial buffer if you:
- Fall ill & are too unwell to work for an extended period.
- Suffer an injury that requires time off work.
- Are made redundant or lose your job through no fault of your own, when bundled as accident, sickness & unemployment (ASU) cover.
The monthly payout from your accident protection allows you to keep covering your essential bills, particularly your mortgage, while you focus on recovery. It's worth noting, however, that most income protection for illness & injury policies have exclusions. Common reasons for a claim being refused include voluntary resignation, dismissal for misconduct, or having a pre-existing medical condition not disclosed when setting up the policy. There are also usually waiting periods (often 30 days) before benefits kick in. By talking to Mortgage & More, you'll receive transparent, jargon-free guidance so you know exactly what's covered & what's not.
If you want greater peace of mind, we can also explore personal accident insurance policies, which may pay a lump sum for more severe, work-preventing injuries. Remember to check your policy's limitations & always reach out to us if you're unsure.
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Why Choose Mortgage & More for Accident & Sickness Insurance?
Expert Advice
Our fully qualified team holds the right accreditations & years of local experience. We believe in independent, impartial support & staying up to date with the latest industry changes to give you the best possible service, every time.
Highly Approachable
We know that finances & insurance can be daunting. At Mortgage & More, we work hard to put you at ease, answer any question, & ensure you're always listened to, no matter how simple or complex your situation.
Jargon Free
We break down complex insurance terms, so you always understand your cover. Check out our comprehensive guide to decoding jargon or simply pick up the phone, we're here to help, not to confuse.
Accident & Sickness Insurance: Frequently Asked Questions
What is accident and sickness insurance?
Accident and sickness insurance covers a portion of your income if illness or injury prevents you from working, ensuring you can pay essential bills like your mortgage.
How long does accident and sickness cover pay out for?
Most policies pay a monthly benefit for up to 12 months during periods where you can't work due to accident or sickness.
Can I get accident protection if I have a pre-existing condition?
Most accident and sickness insurance policies exclude pre-existing conditions, but we can help clarify your options based on your circumstances.
Does accident and sickness insurance cover accidents outside of work?
Yes, accident protection usually covers you regardless of where the accident occurs, but exclusions may apply depending on policy details.
How quickly can a claim be paid?
Claims are typically processed after a waiting period, commonly 30 days, as specified in your policy’s terms and conditions.
Do I need accident, sickness and unemployment (ASU) insurance if I'm self-employed?
Yes, self-employed individuals can benefit from ASU insurance, as it helps protect income when ill or injured. Policy terms may differ, so check with us.
Am I eligible for accident and sickness insurance?
Eligibility depends on your employment status, age, and health. We provide impartial advice to check your eligibility for cover in Maidstone.
Are mortgage payments protected by accident protection insurance?
Yes, many accident and sickness insurance policies are designed to cover mortgage payments, giving financial security if you're unable to work.
Ready to Find Accident Protection That Puts You First?
Get expert guidance from a Mortgage Broker in Kent who is on your side. At Mortgage & More, we're here to make income protection for illness & injury clear & effortless, offering personalised options for all our clients.
Contact us today on 01634 235132 or email info@mortgageandmore.co.uk. Put your peace of mind first with a friendly, impartial team supporting your future.
Phone: 01634 235132
Address: 9 Balas Drive, Sittingbourne, Kent, ME10 5AS
Email: info@mortgageandmore.co.uk
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED AGAINST IT.
THERE MAY BE A FEE FOR MORTGAGE ADVICE, THE PRECISE AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES, OUR TYPICAL FEE IS £395
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Mortgage and More is Authorised and Regulated by the Financial Conduct Authority. The Financial Service Register Number is 651274
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.
Mortgage and More is a Limited Company. Registered Address: Mortgage and More; 9 Balas Drive, Siitingbourne, Kent. ME10 5AS Registered in England and Wales under number 06437752
We always aim to provide a high-quality service to our customers. However, if you encounter any problems, in the first instance please write to the registered address above, email or call Mortgage and More outlining your complaint, if we are unable to resolve this, you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Some calls maybe recorded for training and monitoring purposes.