Why might you need Accident, Sickness and Unemployment Protection Insurance?
If you were off work for any length of time because of an accident or sickness, or if you were made redundant, there are still bills you have to pay, such as your rent or mortgage, gas, electricity, loans, credit cards and council tax.
In an ideal world we'd each have an emergency savings pot to see us through - many experts suggest having a rainy day fund of six to nine months' expenditure in an easily-accessible savings account.
However, that's just not practical for many of us. It may give you breathing space if you fall ill, it won't cover you or your family for long periods off work.
You should also bear in mind that the state benefit safety net is increasingly inadequate to maintain your current lifestyle.
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