Mortgage Protection Insurance (MPPI)

What are the main exclusions to look for?

If you are self employed or a contract worker you will find that the policies have separate criteria for either eligibility or claiming. Some mortgage protection policies are not always suitable for self employed people so be sure to read this section very carefully if it relates to you.

If you play sports ensure that the policy protects you, some consider motorcycling to be a dangerous sport which is a problem if you are a motor cycle courier. Always read the exclusions for both unemployment, accident and sickness. They are generally standard but it is wise to know exactly when you can and cannot claim.

Be aware of "pre-existing conditions", all mortgage payment protection policies have these but you need to know what they are.