ACCIDENT SICKNESS UNEMPLOYMENT INCOME PROTECTION INSURANCE

MORTGAGE PROTECTION INSURANCE
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Accident Sickness and Unemployment Income/ Mortgage/ Loan protection insurance

This form is to request a quote for mortgage protection, income protection, loan protection or rent protection against accident/ sickness and/or unemployment. Cover is also available for utility bills and other monthly commitments

Summary | Policy

Some Notes

You can have up to £3,000 per month cover. However you must declare how your commitments stack up. There is also a limit of 90% of your NET income AFTER tax. All amounts should be MONTHLY amounts NOT annual amounts.

You can select accident / sickness only, accident, sickness and involuntary unemployment, or involuntary unemployment only. 

Unlike a policy providing redundancy cover, this policy provides wider cover - it is for involuntary unemployment and covers more eventualities other than just those providing redundancy cover. See the policy summary.

You can select insurance for either 12 or 18 months benefits.

There is an initial exclusion of 90 days for unemployment i.e. if your loss of job is announced in the first 90 days after the policy is incepted then there is no cover. However this will NOT apply if you have had cover for the same amount for 3 months before you take out this policy. This should not be confused with the 'excess' you select which is 0, 30 or 60 days. (A '0' excess means 1st payment is made on day 31 to cover days 1-30 i.e. 'back to day one' cover)

The insurance premiums depend on the type of bills you have and your age. 

NB - some fields are compulsory shown as <field>. If you receive an error message check that the field is correctly entered

Your name <your_name>
E-mail Address  <from>
We may send you information from time to time about insurance generally and special offers. If you do NOT want to receive it check and we'll only send details about this enquiry/policy.
Address line 1
Address line 2
City
County
Country (must be UK)
Post code <post_code>
Telephone No. (daytime)
Date Of Birth <dobirth>
Your Age  Age limits are 18 to 62. Any quote will be based on this figure.
Your occupation
Average TAKE HOME PAY £(You are limited to 90% of this or £3,000 whichever is less)
Category 1 commitments
The total amount can be up to 100% of your commitments
 Mortgage
Home Rental
Secure Loan
Category 2 commitments
The total amount can be up to 100% of your commitments
 Motor Finance
Personal loan
Hire Purchase
Category 3 commitments
The total amount can be 100% of your commitments
Alimony Electric Bill
Child Support Other Heating
Council Tax Home Insurance
Water Rates Car Insurance
Gas Bill Life Insurance
Category 4 commitments
The total amount can be 25% of your total commitments
TV Licence Childcare Fees
Gym/ Sports Club Broadband
Cable/ Sky Home Breakdown
Pension Plan Car Breakdown
School Fees Home Telephone
Mobile Phone Other provable Commitments
Medical Cover
Category 5 commitments Other (must not exceed 5% of total commitments
  To qualify you must be
  • a UK resident under 65
  • in full time work, self employed or on a renewable contract
  • working more than 16 hours a week in a job that's not temporary
  • party to the commitments covered i.e. must be in your name or that of your spouse or 'live-in' partner for the last 12 months
  • not off work due to ill health
  • aware of the pre-existing conditions exclusions
  • unaware of any impending unemployment
The Benefits Perils covered:
Benefit Period:
Excess:
(The benefit period starts the first day you can claim JSA or are off work due to illness/ accident. This is important as if you get cash in lieu, the benefit period will start at the equivalent end of the notice period)
 

If you need further information about this accident sickness unemployment insurance policy please call us on 01388 607105. If you submit the form it does not compel you to take out the policy. If we cannot meet your request in full we will reduce benefits in higher categories on a pro-rata basis.

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