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Sickness, Accident and Involuntary Unemployment Cover

Sickness, Accident and Involuntary Unemployment Cover is one of the most common alternative names used for Payment Protection Insurance. Although the names are different the cover works in the same way. In essence; Sickness, Accident and Involuntary Unemployment Cover is designed to protect a borrower from financial hardship by stepping in and covering debt repayments.

Like all forms of PPI; Sickness, Accident and Involuntary Unemployment Cover has been criticised. The cover can be very expensive and can also represent poor value for money. The cover has also been frequently mis-sold.

If one of the situations below relates to you, you may have been mis-sold Sickness, Accident and Involuntary Unemployment cover.

When you purchased your cover were you…

- Were you told you had to have the cover?
- Were you told taking out the cover would improve your chances of being given the loan or credit?
- Were you self-employed, unemployed, retired or in full-time education?
- Were you employed as a civil servant or a serving member of the armed forces?
- Were you suffering from a pre-existing medical condition?
- Were you aged sixty-five or over?
- Did you have existing cover in place elsewhere?
- Did you lender fail to fully explain the costs and/or terms and conditions for you?