Compare mortgage and income protection quotes with one form
Getting mortgage and income protection quotes from multiple companies is time consuming, and makes it difficult to compare features side by side. Our simple form will give you quotes in seconds from multiple insurers...
British Insurance Services Mortgage Protection Insurance
Maximum Cover
50% of gross income
Maximum Benefit
£2,000/month
Maximum Age for New Cover
64 years
firstcallpaymentprotection.co.uk Mortgage Protection Insurance
Maximum Cover
50% of gross income
Maximum Benefit
£2,000/month
Maximum Age for New Cover
62 years
1000's of customers, £1,000,000's paid out. “You choose”.
Lexelle Ltd Mortgage Protection Insurance
Maximum Cover
60% of gross income
Maximum Benefit
£2,000/month
Maximum Age for New Cover
64 years
MMS Mortgage Protection Insurance
Maximum Cover
75% of net income
Maximum Benefit
£2,000/month
Maximum Age for New Cover
62 years
Paymentcare Ltd Mortgage Protection Insurance
Maximum Cover
50% of normal income
Maximum Benefit
£2,000/month
Maximum Age for New Cover
64 years
Paymentshield Mortgage Protection Insurance
Maximum Cover
75% of gross income
Maximum Benefit
£3,000/month
Maximum Age for New Cover
63 years
Realm Protection Ltd Mortgage Protection Insurance
Maximum Cover
60% of gross income
Maximum Benefit
£2,000/month
Maximum Age for New Cover
63 years
Shepherds Friendly Society Mortgage Protection Insurance
Maximum Cover
no limit
Maximum Benefit
£2,000/month
Maximum Age for New Cover
59 years
helpucover Mortgage Protection Insurance
Maximum Cover
50% of gross income
Maximum Benefit
£2,000/month
Maximum Age for New Cover
64 years
How would you and your family cope if you couldn't pay the Mortgage? Avoid worry with Mortgage Protection from helpucover.
iprotect Mortgage Protection Insurance
Maximum Cover
75% of gross income
Maximum Benefit
£1,500/month
Maximum Age for New Cover
63 years
3 X D Mortgage Protection Insurance
Maximum Cover
65% of normal income
Maximum Benefit
£1,500/month
Maximum Age for New Cover
63 years
Ant Insurance Mortgage Protection Insurance
Maximum Cover
65% of gross income
Maximum Benefit
£1,500/month
Maximum Age for New Cover
64 years
Assurant Intermediary Ltd Mortgage Protection Insurance
Maximum Cover
no limit
Maximum Benefit
£3,000/month
Maximum Age for New Cover
64 years
Available via broker only.
ASUdirect Mortgage Protection Insurance
Maximum Cover
75% of gross income
Maximum Benefit
£1,500/month
Maximum Age for New Cover
63 years
Bennett Gould & Partners Ltd. Mortgage Protection Insurance
Maximum Cover
70% of gross income
Maximum Benefit
£2,000/month
Maximum Age for New Cover
63 years
Berkeley Alexander Mortgage Protection Insurance
Maximum Cover
no limit
Maximum Benefit
£2,500/month
Maximum Age for New Cover
64 years
CETA Mortgage Protection Insurance
Maximum Cover
60% of gross income
Maximum Benefit
£1,500/month
Maximum Age for New Cover
64 years
Chorley Building Society Mortgage Protection Insurance
Maximum Cover
75% of gross income
Maximum Benefit
£2,000/month
Maximum Age for New Cover
63 years
Available to existing customers only.
Countrywide Mortgage Protection Insurance
Maximum Cover
60% of gross income
Maximum Benefit
£2,000/month
Maximum Age for New Cover
64 years
getMy.com Mortgage Protection Insurance
Maximum Cover
50% of gross income
Maximum Benefit
£2,000/month
Maximum Age for New Cover
64 years

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

What is Mortgage Protection Insurance?

by Ben_Jailler

Your mortgage is likely to be your biggest single monthly commitment, but how would you pay it if you were unable to work?

Couple Looking At Bills

Mortgage Protection Insurance is designed to meet your mortgage repayments and safe-guard your home if you aren't able to work because of unemployment, accident or illness.

Why would I need it?

Mortgage Protection Insurance isn't likely to be a requirement of your mortgage agreement. However, if you aren't confident that you could meet your mortgage repayments should you became unable to work, having this type of cover in place can be an attractive and reassuring proposition.

If you are unsure about whether you require Mortgage Protection Insurance, try asking yourself a few basic questions, such as:

  • Could you still meet your financial commitments if you lost your main source of income?
  • Could your partner cover the mortgage if you were unable to?
  • If you lost your job would you be able to quickly find a new one?
  • Do you have sufficient savings to tide you over?
  • If you were made redundant, would the payout be sufficient to cover your outgoings for more than 3 months?
  • If you were unable to work, would you be able to cover your mortgage repayments with statutory sick or do you get comprehensive and ongoing sick pay from your insurer?

If the answer is 'no' to any of the above questions, or you are self-employed, then you may want to consider the possibility of taking out some form of Mortgage Protection Insurance to make sure you aren't left in trouble by not having mortgage payment protection insurance.

What does it cover?

Mortgage Protection Insurance will cover repayments on both interest-only and repayment mortgages against loss of income through illness, accident or unemployment.

It is possible to reduce your premiums by taking out a policy that only covers you for loss of income due to accident and sickness only. This could be worth considering if you have a secondary income that would be sufficient to support you if you became unemployed.

Likewise it is also possible to take out an MPPI policy that only covers you against unemployment. This could be attractive if your employer has a particularly generous sick pay policy.

The amount of cover you can take out is usually based on a percentage of your gross monthly salary up to a maximum set by the insurer. Policies also differ on the percentage of your mortgage payment they will be willing to cover.  By paying an extra premium, it is also sometimes possible to take out extra cover over and above your mortgage repayment, this can be used to cover other expenses such as utility bills if you became unable to.

Mortgage protection policies differ greatly on what they will cover as well as what they won't.  As such it's important to think about exactly what support you would need from a mortgage payment protection plan if you became unable to work and then find the best priced policy that fits.  Use our Mortgage Payment Insurance Advance Search for a simple way to do this.

Mortgage Protection Insurance Companies