Mortgage Protection


Our Mortgage Protection is available for purchase, but only to cover accident and sickness. If you're an existing customer, we'd like to assure you that you're not affected by the changes in availability of these products and can continue to claim in line with the terms and conditions of your current policy.

Mortgage Protection

Your house is more than just bricks and mortar, it's the place you call home.

Your mortgage is probably the biggest financial commitment you’ll ever take on. What would you do if you were suddenly unable to pay it?

An accident or sickness could, unfortunately, happen to any of us at any time.

Our Mortgage Protection policy, MortgageProtector, is designed to give you peace of mind that, if the worst happens, you’ll be able to continue to pay your mortgage, for 12 or 24 months, and focus on getting back on your feet.

Whether you want to cover yourself against accident and sickness, we’ve got it covered:

  • Monthly tax-free income of up to £3,000 or 75% of your gross monthly income (whichever is lower)
  • Includes related insurance costs and other household expenses
  • Available to Shared Homeowners and HomeBuy scheme users
  • Free legal assistance for employment and accident disputes supplied by CoPlus
  • Carer cover and back-to-work support included as part of our unemployment cover

We want to let you know...

As with all insurance policies there are circumstances when cover can't be offered or a claim paid. For example, any insured incident which you intentionally cause or create and pre-existing medical conditions unless you’ve been symptom-free in the 12 months after the policy start date.

These are only examples. For full details of what's covered and what's not covered, please read our Mortgage Protection policy booklet. Alternatively, you can find further information in our Insurance Product Information Document for Mortgage Protection.

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit

A typical monthly cost for Paymentshield Mortgage Protection is £5.05 for every £100 of monthly benefit.

The monthly cost includes Insurance Premium Tax (IPT) at the present rate. The cost is based on our full accident, sickness and unemployment option with 30-day back-to-day-one cover, 12 months' benefit and no deferred premium payment period, protecting a monthly repayment of £620.

Want to Chat?

  • You can call our customer services team on 0345 601 1050
  • Monday - Friday
    8.15am - 5.45pm
    9am - 1pm
  • We also offer a live chat and bot service to answer any questions you may have
  • Monday - Friday
    8.30am - 5.30pm
    9am - 1pm