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To help you to make the right choices for your payment protection insurance, here is a selection of questions we are often asked by our customers:

1. What level of monthly benefit should I select?

Payment protection insurance is designed to help you meet your monthly financial commitment, so you should choose a monthly benefit that you feel would satisfy the bills you get through the door, like the gas, electricity, water, phone and mobile phone bills as well as the rent.

2. Can anyone apply for payment protection insurance?

Yes, most people are eligible for the cover, but you must meet these basic, minimum criteria:

• You must be over 18 and under 65 years of age
• You must be in full-time employment or be self-employed and have been so for at least 6 months

3. Am I guaranteed to be covered?

No, your application will be subject to review by underwriters. As long as you meet the basic criteria, the vast majority of applications are successful, and you will hear from the underwriters within a few days to let you know their decision.

4. Is there a limit on the monthly benefit I can choose?

Yes. You can cover up to £1,500 or 60% of your gross monthly salary (the amount you are paid before tax NOT your take-home pay), whichever is the lesser.

5. Do I have to wait before I can make a claim?

Yes. There is an excess period of 30 or 60 days (whichever you choose when purchasing the policy), which means you have to wait that amount of time before you become eligible for any claim payment. In addition, when you first buy a policy from us, there is an initial exclusion period for claims arising from involuntary unemployment (redundancy), which means that if you have purchased the Unemployment section of cover on your policy, you would have to wait 180 days before you become eligible to make a claim under the unemployment section.

6. How is my claim paid?

Depending on the excess period you have chosen, which will either be 30 or 60 days, you will be entitled to 1/30th of the monthly benefit you are insured for, for each continuous day you are unable to work following the initial excess period. Payments are made monthly in arrears, so you would receive your first payment thirty days after becoming entitled to receiving the benefit.

7. How long can I claim for?

Providing you are unable to work continuously, payprotect pays your monthly benefit for up to 12 months.

8. Is there anything I won’t be covered for? Like all insurance policies, payprotect contains some exclusions to cover, and the main ones are:

• a condition which you knew about at the time you first bought your payprotect policy from us
• any condition for which you sought or received advice, treatment or counselling from any doctor during the 12 months immediately before the start date of your payprotect policy
• backache or related conditions unless you have supporting medical evidence, which would be in the form of an MRI or CT scan or equivalent
• mental or nervous conditions including stress, anxiety or depression (unless the condition is certified by and under the continuing care of a consultant psychiatrist)
• AIDS-related conditions
• injury whilst riding a motorcycle or while working as a professional sportsperson or for any injury that’s caused by drink or drug abuse
• normal pregnancy*
• any self-inflicted injury

If you also chose the optional unemployment section of cover you will not be covered if:

• your work is seasonal, casual or temporary or unemployment is a regular feature of your work
• you knew you would become unemployed or you had reason to believe that you might become unemployed at the time you first purchased your payprotect policy from us
• you are made unemployed or are told that you will be made unemployed within 180 days of the start date
• you resign or you accept voluntary unemployment
• you lose your job because of your own misconduct, fraud, dishonesty or any act you carried out.

You should always make sure that you have read all the exclusions that apply to the cover, which can be found in the policy wording.

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