Mortgage Protection

Mortgage Protection Insurance

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Whether you’ve just got your feet on the housing ladder or are firmly ensconced in your family home, your property is likely to be your single most valuable asset.

You’ve probably got contents insurance to cover your belongings in the event of a break-in, fire, flood or other unfortunate events. It’s also likely that covering the building itself was a requirement for getting your mortgage in the first place.

But have you considered what might happen if you were unable to keep up your mortgage repayments?

For many homeowners, their mortgage is their biggest monthly outgoing. Mortgage protection insurance can help protect you, your home and your family if you are unable to meet your mortgage repayments due to serious illness, an accident or redundancy.

What is mortgage protection insurance?

Mortgage protection policies cover your mortgage payments if you are unable to pay them due to pre-specified conditions. Policies could be unemployment only, accident and sickness only or a combination of both. Unemployment cover will pay out if you are made involuntarily redundant (subject to conditions) while accident and sickness cover will pay out if you suffer an accident or long-term illness that prevents you from working.

Policies will usually cover your mortgage for a set period of time. This is usually 12 months but could be as long as 24 months, depending on the policy.

Do I really need Mortgage Protection?

Many people take out Life Insurance to protect their partners and families should the worst happen, but fail to cover their homes against redundancy, accidents and illnesses that can be far more likely to occur, especially with younger home-owners.

Mortgage protection can provide vital time for you to get back on your feet following a setback such as redundancy, an accident or illness. It can bring extra peace of mind and reduce stress when going through one of these life events.

It’s also important to get the right quote, whether you are setting up MPPI for the first time or looking to switch your cover. Contact us today to learn more.

Mortgage Protection

Mortgage Protection can provide vital time for you to get back on your feet following a setback such as redundancy, an accident or illness.

It can bring extra peace of mind and reduce stress when going through one of these life events.

It’s also important to get the right quote, whether you are setting up MPPI for the first time or looking to switch your cover.

Contact us today on 0800 138 8200 to learn more.

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Testimonials

Very helpful, knowledgeable and polite service when sorting out mine and wife's VitalityLife policies.

Timothy Marshall

Excellent service, efficient customer service, elizabeth was extremely helpful, guided us through the process with ease, never felt presurised, would recommend this company.

Stephen Bowditch

Very thorough. Kept up to date with how the application was going and right through to completion.

Paula Boniface

Excellent service I would highly recommend

Helen Rowe

Very good service provided.. Friendly consultants on the other end of a phone, can be contacted anytime with any issues I have regarding my policy. Great customer satisfaction all round!!

Mandy Rosemarie Walker