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HELPUCOVER MORTGAGE PROTECTION INSURANCE
helpucover Mortgage Protection Insurance (Payment Protection Insurance)
        
Cover yourself with Mortgage Protection Insurance from helpucover. You can choose from our range of competitively priced policies including accident, sickness and unemployment cover. Helpucover offer 'standard' and 'back to day one' schemes depending on your circumstances and whether you can wait 30, 60, 90 or 180 days, before claiming your benefits. The longer you choose to delay receiving your benefit the less your premiums will be.
Location:
Advantages:
1. Cover available for up to 2,000 a month for a year
2. Benefits can be paid for up to 6 or 12 months
3. Paid direct to you in addition to any other benefits (i.e. Statutory Sick Pay)
4. Personalised quotes whatever your circumstances - up to age 65
5. Range of cover options, no matter if you're employed or self-employed. Choose either Accident & Sickness protection or opt for Accident, Sickness & Unemployment
6. Benefits can be paid after 30 days
Disadvantages:
1. Umemployment cover is not available if you are self employed or a fixed term contractor
Services:
Mortgage Protection Insurance from helpucover

Payment Protection Insurance Type: Payment Protection Broker
Payment Protection Information:
Mortgage Payment Protection

Policy Name: Helpucover Mortgage Protection Insurance
Policy Cost: Example premium 2.99 per 100 of cover (based on a quote for a 35 year old, ASU, Back to Day one cover)
Policy Excess Period: Choose from Back to Day one or either 30,60,90 or 180 day wait period

Cover Type: Accident, sickness and unemployment cover
Cover Level: Standard
Cover Detail: You can select the monthly benefit under this policy to cover your regular mortgage repayment plus an optional amount, up to 25% of your mortgage repayment, to cover mortgage related outgoings such as buildings and contents insurance. The maximum monthly benefit is 2,000 or 50% of your gross monthly income, whichever is less. MPPI is portable, meaning that if you change lender or move home, the cover stays with you.

Suitable For:
Cover your mortgage payments if you are unable to make them due to accident, sickness or unemployment.
Restrictions:
There are some situations that you are not covered for. These generally involve anything you already knew about when you took out this cover or that is caused by deliberate or illegal acts on your part.
Availability:
The contract will end if you die, when you reach 65 or permanently retire, when you no longer have a mortgage agreement, when you fail to pay the monthly premium when due or the date on which you or we cancel your insurance.

Application Methods: Online
Underwriter: Pinnacle Insurance plc.
Pay Monthly: No
        

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