Insurance is often considered as bewildering, there are too many providers to choose from, their policies are full of jargon and small print and they contain confusing exclusions.   It is not a sector readily trusted by people and as a result, they view the purchase of cover as a ‘necessary evil’ rather than something that can provide an invaluable financial lifeline during times of crisis.

However, this is exactly what insurance is – a financial lifeline – as it puts you back in the position you were before you had to make a claim.   The majority of general insurance policies simply replace a loss, whether it’s a car, home contents or missed holiday, but unemployment insurance does more than that.

It not only replaces a missed salary with a monthly income at the time the job is lost, but will continue to provide you with a cash boost for up to a year if you’re unable to find another position.  For a small monthly outlay you will receive hundreds of pounds per month if you’re made redundant, much more than any State benefit can provide.

Unemployment insurance enables you to keep a roof over your head if you lose your job, it will pay your monthly housing costs, meet utility and other bills and can even be used towards the weekly food shop.
With job losses announced on a regular basis, and very few people having a financial cushion to help meet financial commitments when a salary is lost, unemployment insurance is an effective debt management tool that stops you having to dip into savings, or worse, build up a mountain of debt, to maintain your lifestyle.

So why do so few people buy this cover?  We believe it’s because unemployment insurance providers have fallen into the trap of many of their insurer counterparts – they don’t make the purchase of this cover easy; they fail to provide up-front information, are not clear in how much benefit is paid per month in relation to outlay, do not clarify who can and cannot buy this cover and do not have a simplified transaction process allowing the policy to be easily purchased and paid for.

This is why Burgesses endeavours to provide a policy and service that no other can match.  We make no apologies for providing plenty of up-front information, the more you read, the greater your knowledge and better informed you’ll be before making a decision about whether this cover is right for you.  We want you to be confident about the product and the Company behind it, before making any commitments.

The fact we’ve never received a product or service complaint should engender trust in what we do, but we don’t take this for granted.  Looking across our website you’ll begin to appreciate that we champion the cause of consumers and we really do have your best interests at heart.

In this section, we publish specific questions that have been sent in by potential or existing customers.  We welcome the opportunity to communicate with people and appreciate those who take the time to contact us.  We understand that unemployment insurance can be taken out in varying circumstances and recognise that each individual will have differing concerns (so will respond to each query we receive).  No ‘one size fits all’ approach here!

As a result, we will endeavour to answer queries as fully, yet simplistically, as possible, highlighting the facts and not the fiction (as is often favoured by other providers).