Mortgage Protection - Cover Options


Our Mortgage Protection is available for purchase, but only to cover accident and sickness. If you're an existing customer, we'd like to assure you that you're not affected by the changes in availability of these products and can continue to claim in line with the terms and conditions of your current policy.

Cover Options

MortgageProtector can be tailored to meet your circumstance and budget; keeping you in complete control of the cover you have.

You select how much of your monthly mortgage payment you want to insure, the type of cover you want, how long you want to be covered for and when you’d receive your first payment if you needed to claim.

You can even choose whether you’d like to defer paying for your policy for up to 6 months.

Choose your

Cover amount

£100 - up to £3,000*

*Max. 75% of your gross monthly income

Type of cover
  • Accident & Sickness only
Cover length
  • 12 months
  • 24 months*

*Unemployment only not available

Qualification period
  • 30 Day Back-to-Day-One - Receive first payment 31 days after claiming for days 1-30
  • 30 Day Excess - Receive first payment 61 days after claiming for days 31-60
  • 60 Day Back-to-Day-One - Receive first payment 61 days after claiming for days 1-60
  • 60 Day Excess - Receive first payment 91 days after claiming for days 61-90
  • 180 Day Excess - Receive first payment 211 days after claiming for days 181-210
First payment
  • From the start
  • Deferred for 3 months
  • Deferred for 6 months

We want to let you know...

As with all insurance policies there are circumstances when cover can't be offered or a claim paid. For example, any self inflicted injury and if you resign or you accept voluntary unemployment.

These are only examples. For full details of what's covered and what's not covered please read our Mortgage Protection policy booklet. Alternatively you can find further information in our Insurance Product Information Document for Mortgage Protection.

This Payment Protection Insurance is optional. There are other providers of Payment Protection and other products designed to protect you against loss of income. For impartial information about insurance, please visit

A typical monthly cost for Paymentshield Mortgage Protection is £5.05 for every £100 of monthly benefit you would get. The monthly cost includes Insurance Premium Tax (IPT) at the current rate. The cost is based on our full accident, sickness and unemployment option with 30-day back-to-day-one cover, 12 months' benefit and no deferred premium payment period, protecting a monthly repayment of £620.

Want to Chat?

  • You can call our customer services team on 0345 601 1050
  • Monday - Friday
    8.15am - 5.45pm
    9am - 1pm
  • We also offer a live chat and bot service to answer any questions you may have
  • Monday - Friday
    8.30am - 5.30pm
    9am - 1pm