Mortgage Payment Protection Insurance (MPPI)

You can choose to cover just your mortgage or add other home related insurance bills to your cover and the total combined together cannot be more than 50% of the gross monthly income you receive or more than a maximum of £2000 per month.

You can easily confirm what bills may be included by contacting Customer Services on 0845 888 6667.

When on the mortgage protection insurance application form you can click the radio button if you wish to protect more than just your mortgage and obtain the correct quote.

A viable alternative to mortgage protection insurance is our Income Protection Insurance (ASU). This option will enable you to choose to protect a proportion of your income and is not tied to your mortgage payments. You can decide to include your mortgage payments in the amount of cover if you wish.

As we consider each to be different types of cover you can add income protection insurance to your mortgage protection and you can insure up to, and claim up to £4000 per month. For the removal of doubt however you can not take two Mortgage Protection covers or two Income Protection covers.

Although we consider mortgage and income protection to be different, not all providers take the same view. Also the monthly benefits combined together may not be greater than 50% of your gross monthly income or more than £2000 per month. If you make a claim we will only be liable for our proportional share of your benefit limit.