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REDUCED rates and four months free cover with the latest MPPI (mortgage payment protection insurance) product from, the online payment protection insurance provider, delivers best value for homeowners.

Free-4-All offers both new and existing borrowers the benefit of four months free cover at the exceptionally low rate of £3.95 for full Accident, Sickness & Unemployment or £2.35 for Accident & Sickness only, on a back to day one basis.

“The launch of Free-4-All demonstrates our continuing commitment to provide consumers with innovative products designed to offer best value and make it affordable for homeowners to protect their mortgage,” said managing director Shane Craig.

Crucially,’s transfer of cover option opens the door for borrowers to leave their lender’s high priced policies behind and switch to the best deal on the market without incurring the penalty of an exclusion period on unemployment.

As long as the policy applied for is on a “like for like” basis, will waive the customary 60 day initial exclusion basis enforced by High Street lenders that puts so many homeowners at risk.

“There’s been so much bad press recently about loan PPI, and rightly so, but products priced at this low level with the added benefit of free incentives has got to be great news for all borrowers,” added Craig.