Unemployment Mortgage Protection Insurance

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A mortgage is required to apply for these policies as all of the plans below are mortgage protection plans. Before obtaining a quote we would recommend that you check out our unemployment protection choices page, this will help you identify the plan most suitable to your circumstances. We would also recommend that you visit our unemployment insurance news page before applying for any of our policies. This page lists the most common reasons for an application for Unemployment Mortgage Protection Insurance to be declined.

For short term (up to 24 months) Accident, sickness and, or unemployment insurance we recommend:-

Cardif Pinnacle Insurance Income Replacement (Mortgage Required)

Initial unemployment exclusion of 120 days,Full Accident, sickness & unemployment cover from £1.90 per £100 per month benefit Maximum benefit 75% of gross income up to £1,500 per month. No mortage required. Flexible underwriting. Best buy for those aged 35 & under. Pinnacle also offer an excellent mortgage related ASU policy.

Get an online quote from Pinnacle Insurance or review their other offerings

Paymentshield (Mortgage Required)

Initial unemployment exclusion between 0 & 90 days, Unemployment only rate from £2.00 per £100, full ASU from £3.25 per £100 per month benefit Maximum benefit 65% of gross income up to £1,500 per month. Mortage required benefit restricted to 125% of mortgage related expenditure.

Get an online quote from Paymentshield or review their other contracts

Towergate Underwriting (Mortgage Required)

Maximum benefit of £1,500, or 65% of income or 150% of your mortgage payment and mortgage related expenses 12 months cover available with very competitive rates. 3 options available are Incapacity only, involuntary unemployment, and full benefit, which includes incapacity, hospitalisation & unemployment benefit. Also offers 3 months free cover period for new residential mortgage applicants.

Get a quote from Towergate (Enquiry form)

Millennium Insurance (Mortgage & Non Mortgage schemes available)

Maximum benefit of £2,500. 12 or 24 months cover available starting from £2.75 per £100 benefit for unemployment cover.

Get a quote from Millennium Insurance (Enquiry form)

Choices Insurance (Mortgage & Non Mortgage schemes available)

Mortgage Related Scheme offers maximum benefit of £1,500, or 50% 0f gross monthly income whichever is the lower. 12 or 24 months cover competitive rates for accident and sickness and unemployment cover.

Income Protection Plan. Range of Cover Options similar to the above however, benefit level is £1,000 maximum or 50% of gross monthly income. Underwritten by Assurant Solutions.

Get a quote from Choices Insurance (Enquiry form)

For permanent income protection, Accident & sickness insurance only, UKinsuranceNET recommend:-

Norwich Union, Friends Provident, Unum, Synergy & Liverpool Victoria, this link provides comparative quotes for permanent income protection. Please note this facility quotes for accident sickness only and not unemployment.

Get an online quote for Permanent Income Protection

Multiple income protection quotes

If you would like to receive permanent income protection quotes from multiple companies, please complete the secure enquiry form below.

Make a secure online enquiry

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The range of policies that we offer can be used to provide cover for your mortgage, rent or loan payments against unemplyment or redundancy. However, it is not necessary to have a mortgage to apply for this type of income protection cover.

We strive to work with the best partners in every area of financial services. To find info about other types of policy or investments click on the links to the right.