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