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BIBA Committed Payments Protection U (BTDO)

Full product details for the BIBA Committed Payments Protection U (BTDO) mortgage protection policy, including application criteria, policy details, accident & sickness cover, unemployment cover, claims, premiums & fees, exclusions and restrictions.

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BIBA Committed Payments Protection U (BTDO) Features & Benefits

Type of Cover	Unemployment cover
Minimum Period of Employment	6 months
Minimum Weekly Working Hours	16 hours
Maximum Monthly Cover	£2,000
Maximum Percentage of Income Covered	no limit
Self Employed	yes
Accident & Sickness Cover	no
Unemployment Cover	yes
Length of Unemployment Cover	12 months
First Payment	31 days

Application Criteria
Permanent UK Resident	yes	This product is only available to individuals who are permanent UK residents.
UK Residents Only	no	SECTION 2 - ELIGIBILITY To receive cover under this policy you must meet the following conditions on the start date: - you are 18 years of age or over and under 64 years of age, and - you are actively working for at least 16 hours a week, and - you are not in arrears in respect of any committed payments. - If this policy has been taken out by joint policyholders who are both eligible for cover, the following will apply: * each policyholder's cover is limited to the proportion of the total monthly benefit as set out in your schedule. * the higher earning policyholder must have the higher proportion of the total monthly benefit. If the other policyholder becomes the higher earner before the next renewal date, please write to the scheme administrators and, if no claim is in the process of being validated or paid, the scheme administrators can amend the split of monthly benefit between the joint policyholders.
Minimum Age	18 years	SECTION 2 - ELIGIBILITY To receive cover under this policy you must meet the following conditions on the start date: - you are 18 years of age or over and under 64 years of age.
Maximum Age	63 years	SECTION 2 - ELIGIBILITY To receive cover under this policy you must meet the following conditions on the start date: - you are 18 years of age or over and under 64 years of age.
Minimum Period of Employment	6 months	SECTION 5 - UNEMPLOYMENT COVER Unemployment Exclusions We will not pay unemployment benefits if: - you were not in work for the 6 months immediately before your employment ended (if you were not in work for 2 weeks or less, we will not count this as a break in your employment).
Minimum Weekly Working Hours	16 hours	SECTION 2 - ELIGIBILITY To receive cover under this policy you must meet the following conditions on the start date: - you are actively working for at least 16 hours a week.
Available to Public	no
Available via	broker
Online Quote	no
Available Online	no
Self Employed	yes	SECTION 2 - ELIGIBILITY To receive cover under this policy you must meet the following conditions on the start date: - you are actively working for at least 16 hours a week. SECTION 1 - DEFINITIONS "work/working/worked" means being in full-time employment or being self employed. A period of maternity leave will still count as work. "full-time employment" means you are working for at least 16 hours a week in the United Kingdom either under a contract of employment or as self-employed. You must be receiving a salary or wages and be paying the appropriate class of National Insurance contributions.

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Well explained in a language that even i can understand. A helpful warning for the future.

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