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Sickness redundancy cover.. Experiences ?

Thinking of taking one out, but a friend said there a waste of time as they have so many caveats etc .. Have any members had any experience of them ?? many thanks

Comments

  • dunstonh
    dunstonh Posts: 120,309 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    bad ones have lots of caveats. Good ones have less.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • psycrow57
    psycrow57 Posts: 135 Forumite
    Do you have any pre-existing conditions, any symptoms whatsoever, or been to a doctor/hospital in the last few years? If not, do some research and get a good policy now while you can.

    If any of the above apply, you might as well flush your premiums down the toilet (or buy yourself an expensive gadget).
  • adonis
    adonis Posts: 1,072 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Usually they don't pay out for the first few months anyway, I know someone who was claiming insurance for redundancy and they had to keep telling the insurance company what jobs they had applied for and when.
    Almost like a clone of Universal Jobsearch.:eek:
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