Mortgage Payment Protection


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An award winning product with excellent rates

You can insure all of your mortgage related costs and up to 25% extra to a maximum of £1,500 per month

Other policies available on
request.

Full details about our featured policy appear below.

Making sure that you are able to pay your mortgage should you be out of work is a sensible step. We are pleased to offer our clients an award winning 12 month policy.

Mortgage related insurance is also a cheaper option than income related insurance.

The policy has a very attractive "back to day one" rate (0 day excess).

As general insurance advisers, we are registered with the Financial Services Authority under number 227014.

We offer products from a range of insurers. Please note: Our recommended policy is not based upon individual appropriateness, but rather we feel that its features versus its cost currently make it the best value for money policy from all those available to us. It is purchased as a non-advised transaction.

If you require more cover than is available via this policy or if this policy does not completely meet your needs please call us on 08450 55 95 65 and we can provide information on an alternative product.

Our mortgage payment protection policies are quality accident, sickness and unemployment Insurance (ASU) policies.

Cover can be purchased as full accident, sickness and unemployment insurance; unemployment insurance only; and accident and sickness insurance only. The terms for this cover are broadly the same as published on our unemployment and accident and sickness pages.

You are able to protect all of your direct mortgage related costs plus an additional sum of up to 25% of your mortgage costs. This additional money can be used as you wish.

The total cover available on the policy is £1,500 or 65% of your gross earnings, whatever is the lower.

Our simple on-line quote will provide you with an indication of cost. You can alter the quote until you arrive at a benefit and premium that meets your needs. If you want to apply for cover you can do it all on-line in a matter of minutes.

If you want to include unemployment insurance in your cover the insurer will apply a 90 day exclusion at the start of the policy. This is a standard condition all insurers apply. It means that if you were to be made redundant within the first 90 days after buying your policy you would not be able to make a claim. This is to prevent people who are aware of impending unemployment from buying a redundancy insurance policy.

If you are buying this policy to cover a new mortgage or if you are replacing an existing mortgage protection policy then the insurer will waive the exclusion period.

On a few rare occasions our system will quote on an alternative product rather than the featured policy. We do this because the substituted policy will be cheaper than the featured policy for your particular circumstances. The policy terms and conditions are very similar however we will present you with an new policy wording before you complete your purchase.

These notes are intended as a guide only.

Upon application we will confirm you have supplied all necessary information, and inform you of the terms and conditions of the selected provider, before the policy comes into force.

If you think these notes are incomplete or misleading in any way, please contact us immediately

Authorised by The Financial Services Authority

Your Home is at risk if you fail to keep up payments on a mortgage or other loan secured on it

Written quotations available on request

Telephone : 08450 55 95 65 Fax : 0871 277 1422 Email : info@platinumifa.co.uk

FSA Registration Number : 227014

Mortgage Insurance | Unemployment Insurance Specialists