Income and Mortgage Protection Insurance

Including Accident, sickness and unemployment insurance

We have partnered with Burgesses Limited who are specialists in accident, sickness and unemployment insurance. Burgesses Limited are one of the UK's leading providers and you may have read about them having been recommended in a large number of local and national newspapers including The Times, The Telegraph, The Guardian, The Mail on Sunday and The Financial Times.

It's products have ranked top in Which? ‘best buy' surveys and it is the exclusively appointed provider of protection insurance to the members of The British Insurance Brokers' Association (BIBA). When you click our quote button you will be able to get a no obligation and confidential instant quote direct from Burgesses who are are directly authorised and regulated by the Financial Services Authority under registration number 302674.

Full responsibility under FSA regulations will therefore be assumed directly by Burgesses Limited if you purchase accident, sickness and unemployment insurance from them.

About Protection Insurance

Income protection insurance policies are designed to protect your standard of living if you become unable to work due to injury or illness. The policies are known by a number of different names. Among the most common terms for this type of policy you will hear them referred to as ‘Permanent Health Insurance’, Income Replacement Policies and ‘Long Term Disability Policies.’ They are similar in many ways to Critical Illness Cover that will provide you with a lump sum in the event of you contracting one of the illnesses listed in the policy, the difference being is that income protection policies will proved you with regular payment during the period that you are unable to work.

Although they can be expensive, income protection policies are a good business choice for the self-employed. Those people who are in regular salaried employment should be aware of the terms and conditions of their job. In most cases, employers will follow a company policy of paying a member of staff who is temporarily away from work due to illness or injury, so do check the terms of your contract of employment to be sure of your entitlements. Remember that in the case of a serious accident or illness, you may be unable to work for many months if ever. So if you consider that the company sickness payments are insufficient to meet your regular needs, then you may also be wise to consider taking out an income protection policy to ensure that you will be able to meet your everyday expenses such as mortgage repayments, credit card bills and general living costs.
The policies vary from company to company and come with different exclusions and conditions. For instance, you may find that your policy will not pay out if your injury is received as a result of your participation in certain sports such as skiing or what the insurer considers to be hazardous activities. It is therefore extremely important to check the wording of the policy document before you agree to its terms.

If you have decided that income protection insurance is what you need, ‘shop around’ for a guaranteed policy with fixed payment premiums. These will ensure that the insurance provider will not increase your premiums as you get older and statistically more likely to make a claim. You can also reduce the cost of your premiums by agreeing to a policy that will not pay out until you have been unable to work for a stated period – normally 60 days – although the longer you agree to defer a payment, the cheaper the policy. You may however like to investigate a policy that offers a benefit known as ‘back to day one cover’. This offers you payment for the full period of your disability once you have been unable to work for 30 days or more. So on the 31st day away from your job, you are entitled to a full 30 days compensation.