A listing of the income protection and mortgage payment insurance policies that we have available, suitability and how to apply

We offer a single combined income protection and mortgage payment protection insurance policy for redundancy only, redundancy accident and sickness or accident and sickness only. 
Click here for an immediate quote or compare mortgage protection insurance cover

General advice on mortgage and income protection insurance Our home page with other insurance contracts

Back to our general information page on mortgage protection income protection insurance and accident sickness and unemployment insurance (ASU)

• Benefits of Beta Contract

• Back to work Package

• Hospitalisation Benefit

• 3 month payment holiday

• Combined ASU only

• Two months carer's benefits

• £4.50% - 12 months Combined

• 12 or 24 months cover

• Mortgage payments + 100%

• OR Rent payments + 100%

• OR Loan repayments+100%

• 60 day i.e.p.

• Back to day one after 30 days

• Choice of ASU, AS or U (max benefit £1,500 for U only)

• £4.25% - 12 months Combined

(Apply online)

• 12 month benefits

• Mortgage payments + 25%

• Maximum £1,500 or 65% income

• 3 months free cover

• No initial exclusion on transfers or new mortgages/ remortgages

• Should be OK for IT/ banking/ finance

• Unemployment only : £2.45%

• Disability Only : £2.45%

• Combined cover: £3.95%

The BIBA contract. Apply Online

• 12 month benefits

• Not mortgage related

• Initial Exclusion Period 120 days

• No IT

• Unemployment only : £4.00%

• Disability only : £3.00%

• Combined cover: £5.00%

Income protection for people working for companies in IT), Telecommunications, Media, Airlines Airports and Travel, certain elements of Financial Services (Investment Banking, Stock broking, Dealing in Securities, Money Broking), Recruitment.

• 12 month benefit

• 60 day excess

• 180 day initial exclusion period

• Designed for 'High Risk' (IT/ banking/ finance/ tourism/ airline etc)

• Max £1,000 or 50% income

• Combined cover: £7.50%

• Company prides itself on claims service

Apply Online

• 12 month benefits

• £1000 or loan repayments

• Initial exclusion period: 60 days

• Exclusion free transfer

• Unemployment only: £2.50%

• Disability only: £2.50%

• Combined cover: £4.00%

Call us on 0844 8262616 and we'll send you the policy summary/ key facts or use this mortgage protection contact form

• Cheaper rates for younger proposers

• Option to take an excess

• Mortgage payments + 25%

• 12 month benefits

• 30 day initial exclusion - new

• 120 day initial exclusion - existing

• 3 months free cover

• Back to work assistance

• Unemployment only: from £1.17

• Combined cover: from £2.16

(18-24 with a 30 day excess.)

• Unemployment only: £2.37

• Combined cover: £3.65

(30-34 with no excess)

Call us on 0844 8262616 and we'll send you the policy summary/ key facts or use this mortgage protection contact form

• Better options if new mortgage

• Mortgage payments + up to 100%

• 12 or 24 month benefit period

• Maximum sum insured £1,500

• Back to day one or 30 day excess

• 30 day initial exclusion - new

• 90 day initial exclusion - existing

• Exclusion free transfer

• Back to work assistance

12 month benefits

• U/E or disability: back to day one: £3.54

• U/E or disability: 30 day excess : £2.58

• Combined - back to day one: £6.43

• Combined - 30 day excess: £4.68

24 month benefits (new only)

• Disability only: 30 day excess: £3.09

• Combined: 30 day excess: £5.62

• Options for both income and mortgage

• 12 month benefits

• Back to day one

• May look at IT workers as well

• Cover twice your mortgage payments

• Initial exclusion period: 30 days MP

• Initial exclusion period: 90 days IP

• MP: U/E OR Disability : £3.5%

• MP: U/E AND Disability: £5.5%

• IP: U/E OR Disability : £4.0%

• IP: U/E AND Disability: £6.25%

• Options for both income protection and mortgage payment  insurance

• 12 month benefits

• Back to day one, 30 or 60 day excess

• Initial Exclusion period 60 days

• Company prefers combined cover.

• Difference between AS and ASU small

• Great claims service

• 12 Month Benefits

• Back to day one, 30 or 60 day excess

• Prefers AS or ASU to U

• Include mortgage related +25%

• 12 Month Benefits

• No mortgage needed

• Payments can be made to third parties

• e.g. payment to landlords by tenants

• (Rent protection)

• Back to day one, 30 or 60 day excess

• Up to £1000 per month cover

• Great Claims Service