Mortgage Protection Cover - Plan ahead!
Despite recent reports, mortgage protection is recommended
for people who plan to need cover to protect their payments.
- Our aim for mortgage protection is to cover your monthly mortgage and
associated expenses against accident, sickness and redundancy.
- Although some protection is afforded by the Government, you should not
assume you will be protected.
- As an insurance broker we aim to offer protection for your mortgage
payments through companies who will pay out when you need them.
- Protection is available, not just for your mortgage (+25%) but to cover
other monthly expenses e.g. utility bills etc
- You may buy protection against unemployment only, unemployment accident
and sickness or just accident and sickness.
- We recommend that you buy protection against accident, sickness and
redundancy to ensure the widest cover
- In fact the cost to extend protection to cover accident and sickness is
not very much as insurers do not like unemployment only insurance.
Your
mortgage Protection quote starts here. Click the Image

For an
alternative mortgage protection cover suitable for the under 30s or 40s, click
here
Mortgage Protection - do you qualify?
- To qualify for our mortgage protection products you must be:
- Over 18 and under 60 - although cover will be available until you
are 65
- Be in full time work (16+ hours) for at least 6 months
- Be unaware of any impending redundancies, mergers etc that may
affect your employment
- Protection is available for most types of employment. You may be
employed, self employed or be a major shareholder. We accept all - but please note that
for self employed/ major shareholder, unemployment is redefined as 'involuntary
cessation of trade'.
- Unlike some protection providers, underwriting is done at the point of
application. This means that you can be sure that if you are accepted and have made a
full declaration of all material facts your claim will be paid.
Cover Limitations
As in all protection policies there are some limitation of cover.
- You will not have protection against unemployment for the first 90
days. If you are transferring policies please contact us as we may under some
circumstances be able to waive this.
- If you have a protection insurance policy and have made a claim for an
illness or disability please note that although your current policy may cover you it is
likely that our own will not.
- The sums insured are limited to mortgage payments + 25%, or £1,500 per
month or 50% of your gross income. But you can extend your policy to cover other
expenses provided that the total sum insured is less than £1,250 per month.
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