Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

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Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

Loan Protection Insurance UK, Payment Protection Insurance UK, Credit Card Protection Insurance UK, Mortgage Payment Protection Insurance UK : PAYMENTCARE

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Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

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Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

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Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

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Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

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Paymentcare are members of BIBA the British Insurance Brokers Association
Paymentcare are members of BIBA the British Insurance Brokers Association

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DEMANDS & NEEDS

We have not personally recommended this policy to you. By submitting an application form you are confirming that your demands and needs are that of a person wishing to obtain loan and payment protection insurance.

WILL THIS POLICY MEET YOUR DEMANDS AND NEEDS?

Some facts about the cover


Cover for Accident & Sickness (Disability), Involuntary Unemployment, Hospitalisation and Carer Cover, Life and Terminal Illness, subject to the level of cover you select in respect of your loan repayments and other regular monthly commitments:

Cover available for the amount of your loan repayments plus up to an additional       25% for other monthly commitments

Maximum benefit available is £1500 per month or 50% of your normal monthly       income (whichever is the lower)

Maximum Benefit Period - 12 months

The first months' benefit is paid after a minimum of 30 days for Accident,       Sickness (Disability) and Involuntary Unemployment and is subject to the cover       you have selected

Download Policy Wording for Loan Payment Protection Insurance Loan Protection : Loan Protection Insurance UK

Downloads
Loan Protection Cover : Loan Protection Insurance Plan
To Download the Policy Summary for Loan Protection click on the button below
Policy Wording
Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK
To Download the Policy Wording for Loan Protection click on the button below
Policy Wording
Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK
To Download the Demands & Needs statement for Loan Protection click on the button below
Policy Wording
Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK
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Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK
Download for Reading about your Loan Payment Protection Insurance Information
Loan Protection UK - Loan Protection Insurance UK : Loan Payment Protection Insurance UK

The first months' benefit is paid after a minimum of 7days for Hospitalisation

The first months' benefit is paid after a minimum of 60 days for Carer Cover, at which time you will receive two months benefit

All claims paid on a daily basis, monthly in arrears

There is a 3 month re-qualification period after each claim

The risks are underwritten by Brit Insurance Limited in respect of disability and unemployment, and Sagicor at Lloyd's Limited in respect of Life and       Terminal Illness

Eligibility criteria

The cover is available to UK residents provided you are:

Over 18 years and under the statutory retirement age and Wage earning, salaried, self-employed or on contract

In continuous employment for at least 6 months and permanently employed for 16 hours or more per week

In good health and not absent from work through illness or injury and resident in the United Kingdom


ARE THERE CIRCUMSTANCES WHEN THIS POLICY MAY NOT MEET YOUR DEMANDS AND NEEDS?

The cover will cease

Cover will cease when you reach the statutory retirement age or your normal retirement age whichever is the sooner

When you die

When you cease to be a resident of the UK

When you stop making payments


The cover excludes

In common with all similar protection policies, cover does not extend to the following:

Any condition or disease which was known at the start date or for which you have received treatment or advice during the 12 months before       the start date

Temporary or seasonal unemployment or expiry of non-renewable or fixed term contract

Impending or voluntary unemployment or early retirement

Dismissal due to misconduct or breach of contract

Disability due to stress, nervous disorder or backache unless a consultant certifies the condition solely prevents you from working

Self inflicted injuries, attempted suicide or treatment that is not medically necessary, including cosmetic surgery

Aids or HIV, Self inflicted injury, drug or alcohol abuse

Pregnancy, unless a medical complication occurs

Periods of claims whilst outside the UK for a period of more than 90 days

Claims for unemployment that occur within 120 days of the start date of cover

Claims for diagnosis of Terminal Illness that occur within 90 days of the start date of cover

© Paymentcare Limited 2009 | PCLPPIBS_D&N_07_10

Important! Please read the policy documents carefully to ensure all the details are correct and that you meet the eligibility criteria. Keep them in a safe place with all your other documents, as it will be needed should you have to make a claim in the future.


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