Accident and sickness insurance

[amonty1144]

I've just gone self employed and need to take out insurance incase I can't work. I've got quotes from a few different places but it's very confusing, anyone used a company that they can recommend.
Thanks

[woozer]

Hi
As this is obviously a very important and expensive purchase I would really advise you to consult an independent broker/financial advisor - possibly even more than one. This type of cover is a minefield and you do not want to end up with something that only covers you if you cannot do work of any type i.e. if you are a"vegetable" - you need to make sure you have cover if you cannot do your normal work. Also you need to ensure you can survive for the excess period etc etc Find someone you are comfortable with comfortable with and get proper advice.

[alifbae]

You can get some useful informations about the accident and sickness insurances from this site for sure.
http://insurance-plan-guide.blogspot.com/

[Pollypeptide]

I agree 100% with Woozer - it's very important that you get the right advice. For example, there is a huge difference between Personal Accident & Sickness Insurance on the one hand and Permanent Health Insurance on the other. The latter is more expensive but gives you much wider cover.

Make an appointment with an Independant Insurance Broker or Financial Adviser and make sure that you fully understand what the options are. Don't try and buy this sort of cover on line - you need advice!

[factor-fiction]

I don't see the relevance of alifbae's link to this query. A similar link appeared in another posting.
Is it some form of advertising?

[woozer]

Hi Factor 30 - was thinking the same thing myself - it pops up quite a lot in the insurance section and as you say - the page the link goes to doesnt seem of much use but the name of the creator of the page bears a distinct resemblance to alifbae

[amonty1144]

Thanks for all your advice, I will see a finacial adviser next week, need to look at savings and pensions anyway.
Cheers