Hey Clubman, thanks for the reply.ClubMan said:If you are considering such cover then get independent, professional advice and don't be unduly swayed by what a broker with vested interest in flogging you such a policy might "advise".
X-Man said:Sean take the above advice and get professional opinion.all i can say is that to be out of work for 16weeks is a very long time and as clubman said...you maybe entitled to help from the welfare etc.....
Buddha said:Of course people will say that you'll be glad you had it when you do get sick. I think it's a bull**it policy in general.
I always decided against it on the basis that my employer wouldn't turf me out on street after a few weeks sick and if I was any sicker than that I wouldn't be too worried about how I was going to pay for the bloody house anyway.
I suppose it comes down to how risk averse you are - would you prefer to have the cash in your back pocket and take the risk of having to sell the house down the road???
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