Employment gap - death in service cover?

[Detales]

DH has a gap over the summer (planned) between jobs. For both of us we have decent death in service benefits which form part of our planning if needed - mortgage plus a sum would be paid off but the death in service benefit would mean either of us could take a couple years off work while the kids are young in a worst case scenario.

Any one with any knowledge of the insurance business know if it's easy to get short term cover for the gap?

compare the market etc. has a minimum term of 5 years (lowest quote comes out at 3.50 a month for 100k decreasing for 5 year term which is £210 total - we'd only need it for a couple of months). Can we sign up to this for a few months and cancel? Are we likely to get anything cheaper for short term (but would need to go through a specialist broker?).

Phone the provider and see what the minimum time they will do it for is?

Whilst it is great to have this as a work benefit, it is also very sensible to have your own private policy. For exactly this reason. You could be made redundant or lose your job in other circumstances with very little notice.

The earlier you start cover privately, the cheaper it is.

Thanks @PurpleChairs we do indeed have decent life insurance which covers mortgage and quite a bit more, but we spend enough on that along with critical illness that we plan around have the death in service as a buffer for not having to worry about being off work for a substantial period while the kids are still young if they were to lose a parent.

I'm now thinking I just get an extra policy for the 5 years (as it's me that will be affected if anything happens to my Dh in the next couple of months!) and then cancel it once he's taken up the new employment. I assume I can do that?

Not an expert in this at all but I wonder whether you could consider getting accidental death insurance instead to tide you over. Will probably work out cheaper and be more easy to obtain From the point of view of underwriting in the short term