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Frequent Questions

A few things you’d like to clear up first? Maybe you’re not sure why it’s worth comparing your mortgage protection insurance, how long it will take or what cover you need?

Well, then you’re in luck. We’ve written the following answers to questions frequently thought but rarely asked, about finding great deals on your insurance.

This should not be constructed as advice and is guidance only.

What is Mortgage Payment Protection Insurance (MPPI)?

Mortgage Payment Protection Insurance (MPPI) is a type of short term Income Protection that will meet your mortgage repayments if you cannot work through accident, sickness or unemployment.

How does Mortgage Payment Protection Insurance work?

Usually, mortgage payment protection insurance will start paying out either 31 days or 60 days after you are unable to work. However, some policies are ‘back to day one’ plans, which mean the benefit you receive is backdated to the date you were first out of work.

Most mortgage payment protection policies will only pay out for 12 months, and the payments will be capped at a maximum limit. The payments can be made to your bank account or directly to your Lender/Mortgage Company.

Why would I need Mortgage Payment Protection Insurance?

Taking on a mortgage is an enormous financial commitment. While you are not legally obligated to have mortgage payment protection insurance, if you fall behind with your mortgage repayments, you could eventually lose your home.

Mortgage payment protection insurance will ensure that your mortgage payments will be met if you should lose your job through no fault of your own, or if you are unable to work due to long term incapacity.

What type of cover is there?

Accident and sickness only, unemployment only, and accident, sickness and unemployment combined. You can choose which is best for you; for example, your employer might provide a great sick pay package and so you might only be concerned with unemployment insurance. Alternatively, you might be self-employed and therefore can’t make yourself redundant, so may only want accident and sickness.

MPPI for the self-employed and those in non-standard employment

MPPI is available to those on permanent contracts, self-employed workers or those who work part-time for more than 16 hours a week.

Anyone on a temporary, casual or seasonal contract will not be eligible for cover, but contract workers may be if they’re contracted for at least 12 months of continuous service with the same employer. Always check with your insurer that your type of employment contract qualifies for cover.