PREMIUM --

PA file photo dated 20/4/03 of English pound coins. Nearly a third of Britons have no savings or insurance policies to fall back on if they were unable to work, research claimed Saturday September 11, 2004. Only 53% of people have taken steps to make sure they could continue to meet their mortgage repayments and other outgoings if they lost their job or became too ill to work, while 16% are unsure if they have any cover in place. See PA 0430 story MONEY Cover. PA Photo.