The Insurance Service – Income Insurance UK can provide a number of personal insurance policies. We specialise in personal accident and sickness insurance for self employed or individuals that do not receive sickness pay when they are unable to work. This policy will provide you a monthly payment for a period, of usually,12 months but can be longer, if you are unable to fulfil the duties of your own occupation.In other words stops you being able to work.
Accident & Sickness policies are in reality short term Income Protection or Income Replacement policies which may cover unemployment as an option. For more information on Short Term and Long Term Income Protection, see our Income Protection – Extent of Cover.
In our experience many high risk occupations are much more concerned about the possibility of suffering an accident than being sick, particularly the-self employed tradesmen, who tend to work when sick as it is their livelihood at stake.
We can offer a low cost pure accident policy that will payout a lump sum in the event of accidental death or serious injury, such as loss of limb,sight or hearing for example.
We can also offer a policy that will pay a monthly amount of between 50 and 70% of your gross salary in the event you cannot work through Accident or Sickness. This is usually after 14 or 30 days absence and will pay for anything from 12 months up to 60 months. You can find out more about how this works here.
“I am really glad that I took out an accident and sickness policy through The Insurance Service, having injured my knee and being off work for 24 months,looking back, being self-employed, I don”t know what I would have done without it!. I’ve just renewed my policy and feel relieved that I am insured for another 12 months.”Phillip Garvin had this to say about us
“Many thanks Ian, fantastic prompt service from you as always . I have a friend that also needs some cover as she became self employed end of last year, would it be ok for me to pass on your details for her to contact you ? ”Jo Hedgecock had this to say about us
Ideally, if you have a couple of minutes we'd like to talk to you briefly over the phone, because we'd really like to make sure that we provide you the best possible policy that suits your needs and is also cost effective.
Every adviser at The Insurance Service is fully qualified, and any one of them can help explain your options. Our help and advice is FREE and places you under no obligation whatsoever.
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