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:
- First-time buyers looking for extra security
- Homeowners who rely on one main income
- Individuals without substantial savings
- Anyone worried about redundancy or long-term illness
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.
✅ Quick quotes
✅ Honest advice
✅ Tailored cover
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 today 01257 543013 to speak with one of our expert advisers
? Or use our contact form to arrange a no-obligation consultation