If you are worried about your mortgage repayments and would like to know more about unemployment, disability and possible State help with your mortgage repayments please click here

How the policy works

• You choose the amount of monthly cover you need.
  
• You choose the type and level of cover you need.
  
• You pay your premium as it falls due.
  
• We pay a fixed monthly benefit for up to 12 months if you are unemployed or disabled for longer than the waiting period.

Why you should choose this policy?

This policy will help you to protect your mortgage payments and insurance premiums for up to 12 months if you become unemployed or suffer a disability (accident or sickness).

If you are taking out the policy to protect a new mortgage or re-mortgage you will receive the first three months cover completely FREE OF CHARGE.

If you are taking out the policy to protect an existing mortgage, then subject to the unemployment exclusion detailed below, you will receive the first three months cover completely FREE OF CHARGE.

Unemployment Exclusion – if you are taking out the policy to protect an existing mortgage, you will not be covered against any unemployment, which occurs during the free cover period. This exclusion will not apply if you transfer your cover from another insurer; provided your existing policy has been in force for at least six months and you have not made a claim under that policy.