Compare Unemployment Insurance
Protect your income from unexpected job loss and secure peace of mind in minutes.
Unemployment Cover from £2/month
- Benefit length options6 or 12 months
- Qualifying periods60, 90 or 120 days
- FCA regulatedAuthorised comparison
- No obligation quotesFree & fast
How unemployment insurance works
Keep rent, mortgage and essentials covered while you look for your next role.
Apply before you’re at risk
Choose a monthly benefit and extras while you’re in stable employment.
Serve the qualifying period
Most policies exclude redundancies announced in the first 60–120 days of cover.
Claim if you’re involuntarily unemployed
Send your redundancy paperwork, payslips and supporting evidence for approval.
Receive monthly payments
Benefits are paid for up to 12 months (or your chosen limit) while you job hunt.
Waiting period options
Pick a qualifying period that fits your savings. Shorter waits cost more; longer waits lower the premium.
60 days
Fastest typical option. Ideal if you need the benefit to start quickly.
90 days
Balanced choice that keeps premiums sensible while benefits begin within three months.
120 days
Lowest monthly price. Works if you can lean on savings before payments start.
Who it’s for
Anyone who wants breathing space while they look for their next job.
Employees with limited redundancy pay
- Top up statutory redundancy once it ends.
- Keep rent, mortgage, utilities and childcare covered without raiding savings.
People who want time to find the right role
- Focus on the best next job instead of rushing into a poor fit.
- Match the benefit period to your usual time-to-hire.
What affects the price?
Cost depends on the cover you pick and your employment profile.
Monthly benefit
Higher payouts (up to £2,500) cost more but cover a larger share of bills.
Benefit length
Policies that pay for 12 months cost more than 6-month versions.
Waiting period
Qualifying periods of 60, 90 or 120 days change the premium—longer waits reduce the price.
Employment profile
Job stability, sector risk and tenure can affect pricing or eligibility.
Frequently asked questions
What is unemployment insurance and how does it work?
Unemployment insurance pays a monthly benefit for a set period if you lose your job through no fault of your own. You choose the benefit amount and benefit length, serve the qualifying period, and once a claim is approved the policy pays each month until you’re back in work or reach the limit.
Who is eligible?
Eligibility depends on the provider, your employment history and sector. Policies exclude voluntary resignation, misconduct or redundancies you already know about when applying.
What waiting period should I choose?
Common waits are 60, 90 or 120 days.
- Shorter waits pay sooner but increase the premium.
- Longer waits reduce the cost if you can bridge the gap with savings.
How long will it pay out?
Most unemployment insurance policies pay for up to 12 months per claim, though some cap benefits at six months. Pick a period that mirrors how long you typically take to secure a new role.
What does it cover?
Policies are designed to help with core bills such as rent or mortgage, utilities, childcare and everyday essentials while you look for your next job. Always check policy terms for specific limits and exclusions.