Please take reasonable care to answer all questions honestly and to the best of your ability. If you do not, claims might not be paid in full or at all, and your policy could be cancelled, voided, and the premium may not be returned.
This insurance is to protect
New Mortgage
Existing Mortgage
Re-Mortgage
Cover Transfer
Yes No
IMPORTANT NOTICE! We will waive the initial exclusion period on unemployment cover (if selected as an option of your policy) ONLY if you can comply with the following Terms & Conditions:
- Your existing policy is for either Accident, Sickness & Unemployment or Unemployment only then your new policy will be for Accident, Sickness & Unemployment or Unemployment only. If you are applying for Accident & Sickness only then the Initial Exclusion Period waiver is not applicable as this only effects Unemployment cover (if selected as an option on your application).
- You MUST have continuity of cover. By this we mean there should be no break between canceling your existing policy and starting your new Mortgage Protection policy. Do not cancel your existing policy until you have received confirmation that this policy application has been accepted.
- The total monthly benefit amount selected under this policy application MUST NOT exceed the existing monthly benefit amount you have with your existing policy. Any additional amount of benefit will be subject to the Initial Exclusion Period. For example if you have an existing monthly benefit of £1000 and you apply for a benefit of £1500, the additional £500 will be subject to the Initial Exclusion Period.
- Your existing policy MUST have been in force for at least 6 months.
- Any pre-existing medical conditions that are excluded under your existing policy will also be excluded under your new Protection policy.
If you cannot comply with the points above then your policy will be subject to the Initial Exclusion Period.
I have read and understood the cover transfer Terms & Conditions listed above.