Why use us for Mortgage Payment Cover?
As a professional insurance brokerage we are authorised and specialise in protection insurances such as mortgage payment cover for home buyers in the UK.
Unlike many other insurance sites that seem to sell mortgage payment cover on the internet our staff are all fully trained and are authorised to give advice to our clients. This means that not only will you get what is possibly the cheapest mortgage payment cover available anywhere in the UK, but we will also make sure that you get the the cover that best matches your needs and we are more than happy to answer any questions about the policy that you may have.
As a specialist company, we have the ability to search the market place for the best mortgage payment cover for you at the lowest possible price in the UK. You can be reassured that our service is free to you, the customer at all times, and we are even sometimes able to offer discounts on the policies provided by the leading income protection insurance companies in the UK.
Mortgage payment cover can normally be arranged by if you are :-
- either applying for or have a residential mortgage that is not in arrears
- over 18 and under 65 years of age
- in full time employment or are self employed and have been for at least the last 6 months
- working and living in the United Kingdom, the Channel Islands or the Isle or Man.
We define employment as being in paid work for 16 hours or more a week; as a permanent member of staff on an open-ended contract; or as a member of staff on a fixed term contract; or as a self-employed person. If you are on statutory maternity or parental leave you’ll still be treated as being in employment.
You may also be eligible for continued cover if, when you took out the cover you worked and lived in the United Kingdom, the Channel Islands or the Isle or Man and you are then subsequently posted to work outside the United Kingdom, the Channel Islands or the Isle or Man for either :
- the British Armed Forces or as a civil servant in the British Embassy or Consulate; or
- your employer is a United Kingdom registered company and you are assigned to work within the European Union.
You should note that this type of cover is not designed as any form of savings scheme, the premiums that you pay are used to provide the cover for your mortgage payments and if you do not make a claim there is no return of any money.