Illness and accident cover

Accidents and illness are an unfortunate fact of life. Although many people plan for the financial consequences of dying, what happens if you survive? How would you manage without income?

Accident & Illness Insurance
This can replace your income if you are unable to work due to ill health. Policies can cater for short or long term incapacity or even provide tax free lump sum benefits.

Private Medical Insurance
This can pay for private medical treatment to compliment or add to care provided by the NHS for you and your family or employees, and minimise the inconvenience of suffering waiting lists. Many of these policies can provide valuable comfort to you and your family at a time when you are most in need. They can also be taken by companies to protect your staff.

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More information on illness and accident cover >

More information on illness and accident cover

Your mortgage is likely to be the largest and most important financial commitment you will make. With this in mind you need to be certain that you will have enough money to meet your repayments if you lose you job (unemployment) or suffer an accident or sickness (disability).

If you fall behind with your mortgage payments and you are unable to repay the debt, you could end up losing your home. That is why the Council of Mortgage Lenders are now encouraging all mortgage borrowers to consider the advantages of taking out independent mortgage payment protection insurance (MPPI).

Our Mortgage Payment Protection Insurance can help to protect your mortgage payments for up to 12 months (24 months with Mortgageshield) if you cannot work due to unemployment or suffer a disability. You can also cover the cost of any life or buildings and contents insurance linked to your home.

Subject to the standard policy conditions our Mortgage Payment Protection insurance provides:

Unemployment and Disability cover for both employed and self-employed applicants
Unemployment only or Disability only cover is also available at a reduced cost
Choice of single cover (in one name only) or split cover (in joint names) if two people want to be covered for part of the benefit
Back to day one cover is available in the event of a claim
Policy Excess periods, in the event of a claim, are also available at a reduced cost
Cover can be transferred from a previous insurance provider
You choose the amount of monthly benefit you need to protect your mortgage payment and related insurance premiums

You can choose to cover an additional 25 cover over and above the combined total of your mortgage payment, life premium and household premium. The maximum sum insured (including the 25% additional cover) is £1,500 (£2,500 with Mortgageshield). Benefit receivable on any claim is the total monthly cover or 75% of your normal income, whichever is the lower.

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