HOW TO BEAT COMPARISON SITE QUOTES
You may THINK that Comparison sites display the market's most competitive quotes but YOU'D BE WRONG.
In TRUTH they display quotes ONLY from providers that PAY them, so the others will NEVER feature, even if they are cheaper.
REDUCE YOUR PREMIUM WITHOUT AFFECTING YOUR CLAIM
For ASU quotes, the Comparison sites COUPLE their accident & sickness & unemployment excess periods together so your quote is based on just one excess period for both.
If your employer provides sick pay WE can provide substantial savings by UNCOUPLING incapacity & unemployment excess periods from each other and enabling you to select your own.
WHAT DOES THIS MEAN IN PRACTICE?
Within an ASU policy, you might wish to take cover that pays back to the first day you are made unemployed. You would then obtain a Comparison site quote for ASU Back to Day1 cover i.e. accident, sickness & unemployment are all are back to day 1.
But what if you do not lose your job and your employer provides generous sick pay allowance for up to 3 or 6 months or even longer as many do? If your employer is still paying you under their sick pay scheme, why pay for cover you don't yet need? It is far better for your full policy benefit period to start after your employer's sick pay benefits come to an end.
With us you could select Back to Day 1 cover for unemployment and a separate excess period for accident & sickness of up to 180 days that matches your sick pay allowance at work and dramatically reduces your premium accordingly. Or choose your own unemployment excess period up to 180 days to suit your circumstances or budget.
Please experiment with our quick quote to how much you can save against Comparison site quotes.