FAQs

1. Who is eligible for this cover?
2. Who underwrites this mortgage protection policy?
3. What is this mortgage protection policy designed to do?
4. What does Mortgage Start Date mean?
5. Can I have joint cover?
6. What does normal monthly mortgage payment mean?
7. Can I take out this mortgage payment protection if I am borrowing from a relative or other private lender?
8. How long will I be covered for?
9. How much can I insure?
10. When am I eligible for cover?
11. How long do I have to wait before this mortgage policy covers me for unemployment?
12. Will this mortgage policy give me immediate cover if I transfer from another insurer?
13. When does cover end?
14. When can I claim if I am unemployed?
15. When can't I claim if I am unemployed?
16. If I am self-employed are there any restrictions?
17. If I am a contract worker are there any restrictions?
18. Will I be able to claim if I am in receipt of a payment in lieu of notice?
19. When can I claim if I am incapacitated?
20. Will this mortgage policy cover me if I have got a pre-existing medical condition?
21. Does this mortgage policy contain other exclusion?
22. How do I make a claim?
23. Can I make more than one claim?
24. Can I change the nature of my claim?
25. What is the cost of cover?
26. Can I cancel this mortgage policy?
27. What must I do if I need to complain?
28. Can I transfer my benefit under this mortgage policy to another person?
29. How do I pay for this mortgage policy?
30. Am I entitled to compensation if the Insurer is unable to meet its liabilities?
31. Is my personal information safe?
32. What if I have another question?

1. Who is eligible for this cover?
   UK residents between the ages of 18 and under 63 who are in full-time work (be they full-time, permanent employees, self-employed or on renewable contracts) and working for more than 16 hours a week at the time of taking out the policy.
   
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2. Who underwrites this mortgage protection policy?
   This mortgage policy is underwritten by certain Underwriter's at Lloyd's who are authorised and regulated by the Financial Services Authority. Policies are administered by Marketing and Management Services Ltd, MMS. Full information is provided in the Policy Wording.
   
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3. What is this mortgage protection policy designed to do?
   This mortgage protection policy is designed to protect your normal monthly mortgage re-payments, if you are unemployed and/or incapacitated and therefore unable to work.
   
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4. What does Mortgage Start Date mean?
   This means the date that the mortgage you are protecting under this policy started.
   
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5. Can I have joint cover?
   No, this policy does not offer joint cover. If two or more people want to be insured then they will need to submit separate applications, where they can either cover the full amount of the monthly mortgage payments or a selected proportion.
   
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6. What does normal monthly mortgage payment mean?
   This means the monthly amount you pay each month to your mortgage lender. If your mortgage allows you to make variable repayments then you should calculate an average figure in order to assess your normal monthly mortgage payment.
   
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7. Can I take out this mortgage payment protection if I am borrowing from a relative or other private lender?
   No. This mortgage policy protects only a mortgage agreement from a recognised mortgage lender, authorised by the Financial Services Authority.
   
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8. How long will I be covered for?
   This policy will provide, subject to applicable exclusions and conditions, claims benefits for a maximum of 12 months; provided the insured remains unable to work and the policy End Date has not been reached. Full information is provided in the Policy Wording.
   
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9. How much can I insure?
   The monthly benefit amount will not be less than £100 or more than £2000 and must not exceed 50% of your gross monthly salary. Full information is provided in the Policy Wording
   
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10. When am I eligible for cover?
    You are eligible for mortgage payment protection under this mortgage policy if you meet certain conditions. Full information is provided in the Policy Wording
    
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11. How long do I have to wait before this mortgage policy covers me for unemployment?
    This mortgage policy has an initial exclusion period for unemployment at the start of the policy during which you cannot make a claim for unemployment. There are further options for this coverage which are comprehensively explained in the Policy Wording.
    
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12. Will this mortgage policy give me immediate cover if I transfer from another insurer?
    Full information is provided in the Policy Wording
    
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13. When does cover end?
    This mortgage policy has an End Date when all cover and all benefits cease, Full information is provided in the Policy Wording
    
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14. When can I claim if I am unemployed?
    This mortgage payment protection will allow you to make a claim for unemployment if you meet certain conditions such as: you must be receiving income support, job seekers allowance and be registered as available for work. Full information is provided in the Policy Wording
    
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15. When can't I claim if I am unemployed?
    This policy contains exclusions which mean that in certain circumstances you will not be able to claim. Please read the terms and conditions. Full information is provided in the Policy Wording
    
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16. If I am self-employed are there any restrictions?
    Yes, if you are self-employed additional certain restrictions apply. Full information is provided in the Policy Wording.
    
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17. If I am a contract worker are there any restrictions?
    Yes, if you are a contract worker additional restrictions apply. Full information is provided in the Policy Wording.
    
    In order to determine if you are a contract worker, please refer to the Policy Wording.
    
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18. Will I be able to claim if I am in receipt of a payment in lieu of notice?
    Full information as to what constitutes a payment in lieu of notice is provided in the Policy Wording document, please refer to this document.
    
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19. When can I claim if I am incapacitated?
    This mortgage payment protection will allow you to make a claim for incapacity if you meet certain conditions. Full information is provided in the Policy Wording
    
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20. Will this mortgage policy cover me if I have got a pre-existing medical condition?
    If you have a pre-existing medical condition then certain restrictions will apply. Full information is provided in the Policy Wording
    
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21. Does this mortgage policy contain other exclusion?
    Yes, this policy contains other general exclusions and limitations. Full information is provided in the Policy Wording
    
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22. How do I make a claim?
    Full information about how to make a claim is provided in of the Policy Wording. Generally, you should contact MMS on 0113 255 8611 for a claim form.
    
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23. Can I make more than one claim?
    Yes, you can make more than one claim under this mortgage policy. Full information is provided in the Policy Wording
    
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24. Can I change the nature of my claim?
    Yes, it is possible to change the nature of your claim under this mortgage policy. Full information is provided in the Policy Wording
    
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25. What is the cost of cover?
    That does vary according to which types of mortgage payment protection you opt for. Please use our quote page. And you will be able to view a quote within seconds.
    
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26. Can I cancel this mortgage policy?
    Yes, you can cancel this mortgage policy at anytime. Full information is provided within the policy documentation, which you can find here.
    
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27. What must I do if I need to complain?
    If you need to complain about any aspect of this mortgage payment protection plan, or the service you have experienced, please refer to section 8 of your Policy Wording.
    
    If your complaint relates to the way in which the policy has been sold, advertised or marketed, you should follow the complaints procedures shown in the Initial Disclosure Document. This is provided both before and after purchasing the insurance.
    
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28. Can I transfer my benefit under this mortgage policy to another person?
    No, benefits under this mortgage policy cannot be assigned to a third party. Full information is provided in the Policy Wording
    
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29. How do I pay for this mortgage policy?
    Premiums are payable each month by Direct Debit.
    
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30. Am I entitled to compensation if the Insurer is unable to meet its liabilities?
    Yes, under this mortgage policy you are entitled to receive compensation. Full information is provided in the Policy Wording
    
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31. Is my personal information safe?
    With this mortgage payment protection your personal information is safe. Both Columbus Insurance (as the seller) and MMS as administrators are committed to maintaining your personal data in accordance with Data Protection legislation and the highest standards data handling. Full information is provided in the Policy Wording
    
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32. What if I have another question?
    If you require further information or if you have another question please don't hesitate to contact us on: 01132 558 611 or 0207 *** ****, or contact us. The address for administrators MMS is:
    
    MMS
    Melbourne House
    Melbourne Street,
    Farsley,
    Pudsey,
    Leeds LS28 5BT
    
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Please consult the policy wording for a full explanation of any of these terms and their specific appliance to this Mortgage Payment Protection.

Phone for quote: 012 345 678