ASU stands for Accident, Sickness, and Unemployment insurance. It’s a short-term income protection policy designed to help you cover essential bills if you’re unable to work
Accident Sickness &
Unemployment Insurance
What is ASU Protection Insurance?
ASU stands for Accident, Sickness, and Unemployment insurance. It’s a short-term income protection policy designed to help you cover essential bills if you’re unable to work due to:
- An accident
- Illness or sickness
- Redundancy or involuntary unemployment
With ASU protection insurance, you’ll receive monthly payments to help cover your mortgage and living costs — typically for up to 12 or 24 months, depending on the policy.
Why Choose ASU Protection Insurance?
Life can be unpredictable. A sudden illness, an accident, or a redundancy can cause serious financial stress. That’s where ASU comes in. This cover helps:
- Protect your mortgage repayments
- Maintain your standard of living
- Avoid falling into debt
- Give you time to recover or find new work
Whether you’re employed or self-employed, ASU insurance offers an extra layer of financial security.
Key Features of ASU Insurance
At Orchard Mortgage Solutions, we help you find the right ASU policy by working with a panel of leading insurers. Some features include:
- Monthly benefit payments (usually up to 65% of your gross income)
- Choice of benefit periods (12 or 24 months)
- Optional cover for just accident and sickness, or full ASU protection
- Quick and easy claim process
- Optional deferment periods to reduce premiums
Who Should Consider ASU Cover?
ASU protection is ideal for:
If your employer offers limited sick pay or you’re self-employed, ASU insurance can be a lifesaver.
Why Choose Orchard Mortgage Solutions?
We know insurance can be confusing. That’s why Orchard Mortgage Solutions makes it simple. We offer a one-stop shop for protection policies — no need to shop around.
We work closely with a trusted panel of insurance providers, giving you access to:
- Competitive quotes
- Tailored advice
- Quick cover setup
- Transparent terms with no hidden surprises
You’ll get expert guidance from our friendly team every step of the way. We make sure you understand exactly what you’re covered for — and what you’re not.
ASU Insurance vs Income Protection – What’s the Difference?
People often ask us about the difference between ASU and income protection insurance. Here’s a quick breakdown:
| Feature | ASU Protection | Income Protection |
|---|---|---|
| Covers | Accident, sickness, redundancy | Accident and sickness only |
| Payment Period | Up to 12–24 months | Can pay until retirement |
| Cost | Usually lower premiums | Generally more expensive |
| Flexibility | Short-term support | Long-term cover |
Depending on your circumstances, one may be better suited to your needs. We’ll help you decide.
Get a Free ASU Protection Insurance Quote Today
Don’t leave your financial security to chance. Let Orchard Mortgage Solutions help you protect what matters most. Whether you’re taking out a new mortgage or reviewing your current protection plan, our team is here to help.
Get a Free ASU Protection Insurance Quote Today
Contact us today to find out more about ASU protection insurance and how we can help you stay secure through life’s unexpected turns.
Call Us On 01257 543013Use Our Contact Form
DO YOU HAVE THE RIGHT INSURANCE COVER?
Quality insurance is important for anyone with a home of their own, or who is currently in the process of buying one. At Orchard Mortgage Solutions, we’ll help you secure the best insurance for you and your home.
