Payment protection insurance

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However you’ll need to check your policy documents to be absolutely sure of the level of cover you’ll get from your insurer – and you can always contact them if you have questions or concerns.

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What’s the difference between PPI and mortgage protection insurance?

Mortgage payment protection insurance (MPPI) and payment protection insurance are both types of income protection, and they’re each intended to help you repay certain debts. However some mortgage payment protection policies are targeted towards homeowners, so they’ll payout enough to cover your mortgage payments as well as a certain extra percentage to go towards household bills.

MPPI policies can also offer cover lasting until you reach retirement age, while payment protection insurance is usually sold on a shorter-term basis as it’s covering other debts.

Mortgage payment protection

Mortgage payment protection

Which covers your mortgage
payments if you can’t work

Sick pay

Sick pay

Using your sick pay if
you get it



Using your savings if you
have enough

Critical illness cover

Critical illness cover

Which pays out if you
become critically ill

Why is PPI controversial?

In 2011 a scandal broke about the PPI industry as many financial institutions had mis-sold it to customers, or implied that it was a necessary part of a bundle with their credit card or loan product. As a result billions have been paid out in compensation, giving PPI a bad reputation – however it can still be a useful product in the right circumstances.

What isn’t covered by PPI?

Before you take out payment protection insurance, keep in mind that your policy may not cover you in the following circumstances:

  • For the duration of your deferral period, usually for the first week to 90 days
  • If you contract certain illnesses – these will be listed in the policy documents
  • If you have any pre-existing medical conditions
  • If you’re retired
  • If you’re unemployed 

Will I be covered immediately?

Most insurers have a deferral period at the start of your policy, during which you can’t make a claim – this will normally last between a week and 90 days. Policies that don’t have this, or that have shorter deferral periods, are likely to be more expensive.

Will I be covered with a pre-existing condition?

Most insurers won’t cover claims relating to an illness you already have before taking out the policy, such as diabetes or a heart condition.

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We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.