Capital Alliance Financial Services Ltd
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MORTGAGE PAYMENT PROTECTION

A summary of our standard insurance cover
Buy your Mortgage Payment Protection Insurance through us, we can establish your demands and needs and recommend the most suitable product for you.

Your mortgage is likely to be the largest and most important financial commitment you will make. With this in mind you need to be certain that you will have enough money to meet your repayments if you lose your job (unemployment) or suffer an accident or sickness (disability).

If you fall behind with your mortgage payments and you are unable to repay the debt, you could end up losing your home. That is why the Council of Mortgage Lenders are now encouraging all mortgage borrowers to consider the advantages of taking out independent mortgage payment protection insurance (MPPI).

Our Mortgage Payment Protection Insurance can help to protect your mortgage payments for up to 12 months if you cannot work due to unemployment or suffer an accident or sickness. You can also cover the cost of any life or buildings and contents insurance linked to your home.

Subject to the standard policy conditions our Mortgage Payment Protection insurance provides:

* Unemployment and Disability cover for both employed and self-employed applicants. Unemployment only or Disability only cover is also available at a reduced cost
* Choice of single cover (in one name only) or split cover (in joint names) if two people want to be covered for part of the benefit
* Back to day one cover is available in the event of a claim
* Policy Excess periods, in the event of a claim, are also available at a reduced cost
* Cover can be transferred from a previous insurance provider
* You choose the amount of monthly benefit you need to protect your mortgage payment and related insurance premiums
* You can choose to cover an additional 25% of this monthly cover

The maximum total monthly cover limit including the 25% additional benefit is £1,500 or an amount equal to 65% of your normal income, whichever is the lower.

For the full policy conditions, including restrictions and exclusions, please always refer to your policy Terms and Conditions booklet, which is included with your certificate of insurance.

Click & complete the initial enquiry form, & our Certified Advisor
will contact you, no obligation
 

 

 

 
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