Unemployment Protection

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Unemployment Protection. The choices and differences between unemployment protection plans can be quite significant, what one company considers an acceptable risk another may find totally unacceptable.

 FACT: Some companies decline up to 50% of their unemployment insurance applications.

 FACT: The majority of applications declined would be accepted by a different company.

We at unemployment insurance.co.uk appreciate this fact, and we are prepared to go the extra mile in ensuring your application is accepted. To allow this to happen we have brought together the most comprehensive range of unemployment protection plans in one place on the net. Before proceeding to quote, we would ask that you read the notes below which will hopefully allow you to make only one application and ensure it is accepted.

Check out your unemployment protection choices
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Unemployment mortgage protection insurance (Mortgage required)
UK unemployment insurance (No mortgage Required)

Check out our unemployment protection selection tools or if you wish proceed directly to quote stage.

Unemployment Protection Choices

This section is split into two parts. The first identifies which company is most likely to accept your application, while the second explains some of the finer points which you would be wise to review before making your decision.

High Risk Occupations.	The main reason why some applications are declined is due to the occupation or industry of the applicant being considered high risk. A number of occupations are currently not popular with certain insurance companies, and therefore the options available for these can be more limited. Visit the Unemployment insurance News page to identify if your position is currently considered high risk. If your occupation is listed as high risk, follow the next link to view the companies that may provide unemployment cover for your industry or occupation.
Length of Employment.	There are four different eligibility criteria relating to length of employment. You will need to review these if you have not been employed by the same employer for more than twelve months: You are currently in permanent employment You have been in employment continuously for the last six months You have been employed with the same employer continuously for the last six months In the last twelve months you have not had any period of unemployment lasting longer than 14 days. View available plans
Minimum Hours of Employment.	Very rarely does this cause an issue. Normally, the definition of permanent employment is between 16 and 20 hours per week. Prior to application please check the relevant key features for each plan's individual definition.
Required Monthly Benefit.	We only have one policy that offers more than £2,500 per month benefit. If you require a monthly benefit of more than £2500, we recommend that you contact us directly for further information. Integrated cover can be arranged by using a combination of two or more policies. However to help you select the right policy for your needs, you will find two tables that list the maximum benefit in monthly terms, and also as a percentage of gross monthly income. In addition, these tables indicate those plans that can be combined to provide a benefit of over £2500 per month. This is a more tricky option to arrange and you must ensure that each insurance company is aware of the other plans in force, or to be applied for. Maximum monthly benefit
Mortgage required.	A number of our plans will not provide cover if you do not have a current mortgage. These plans vary in nature with the amount of additional cover allowable over and above the mortgage expense. Some providers only insist that the mortgage represents 10% of the total benefit required whereas, at the other end of the spectrum, the non-mortgage related benefit must not exceed 10% of the mortgage. Follow the link below to see details on our mortgage payment protection insurance plans. View available plans
Multiple policies.	One of the more common reasons for claims to be declined is because the applicant has failed to declare they have an existing unemployment policy or they have recently applied for another policy. We recommend strongly that if you require more than one unemployment protection plan, to get the required level of benefit, you disclose this fact to the insurance company. To see which unemployment companies will consider this please follow the link below.

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The above details the companies that may not accept your application for unemployment insurance, after drawing up a shortlist of companies that suit your particular requirements. You will then want to refine your selection by considering the other factors such as premium rate, initial unemployment insurance exclusion period and waiting period.

Cost	The monthly cost of your unemployment insurance plan is probably the single most important factor. In our opinion value for money is more important, however, visit the following table to check out the cost per £100 per month of unemployment benefit. Rate Comparison Table
Initial Unemployment Exclusion	This is hugely important factor in choosing which unemployment insurance plan is right for you. This is the period at the beginning of the plan where you are not covered for involuntary unemployment. Initial unemployment exclusion can vary from 0 to 180 days. Initial unemployment exclusion

The table above covers the most important points to consider before applying for unemployment cover or income protection. However, the only way to be absolutely sure that the policy is right for you is by reading the Key Features and full terms and conditions.

We strive at unemployment-insurance.co.uk to give more than a first class range of unemployment protection products. We have also endeavoured to provide a resource that allows you to find information and resources about unemployment, such as what level of unemployment benefit you would qualify for, what the current unemployment rate is, and the expert's opinion as to what the future unemployment level is likely to be together with other unemployment statistics. On our Unemployment Insurance News page you will find what sectors are currently not favoured by insurance underwriters.

Sometimes it pays to take advice if you want to know more about the benefits of each individual plan.

Call us on 0845 365 0030 quoting ref WS6

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