RBS Mortgage Loanguard (U)

Full product details for the RBS Mortgage Loanguard (U) mortgage protection policy, including application criteria, policy details, accident & sickness cover, unemployment cover, claims, premiums & fees, exclusions and restrictions.

This product is no longer available...

RBS no longer provide any mortgage protection insurance. Compare mortgage protection insurance from other providers, or use the options to the right.

RBS Mortgage Loanguard (U) Features & Benefits

Type of Cover	Unemployment cover
Minimum Period of Employment	0 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	yes	Section 2 Are You Eligible? On the Commencement Date You must: - be aged 18-64 - be living permanently in the UK - have a mortgage, Homeowner Loan or Home Improvement Loan, with the Lender which is not in arrears and on a property that You occupy (if You subsequently rent out Your property You must inform Your Insurer) - be Working, (either on an employed or Self-Employed basis) for at least 16 hours per week, or where applicable, You are on statutory maternity or paternity leave. If You are Working but are absent from Work at the Commencement Date due to an accident or illness, Your Accident and Sickness cover will not start until You have returned to Work for a continuous period of at least one calendar month.
Minimum Age	18 years	Section 2 Are You Eligible? On the Commencement Date You must: - be aged 18-64 - be living permanently in the UK - have a mortgage, Homeowner Loan or Home Improvement Loan, with the Lender which is not in arrears and on a property that You occupy (if You subsequently rent out Your property You must inform Your Insurer) - be Working, (either on an employed or Self-Employed basis) for at least 16 hours per week, or where applicable, You are on statutory maternity or paternity leave. If You are Working but are absent from Work at the Commencement Date due to an accident or illness, Your Accident and Sickness cover will not start until You have returned to Work for a continuous period of at least one calendar month.
Maximum Age	64 years	Section 2 Are You Eligible? On the Commencement Date You must: - be aged 18-64 - be living permanently in the UK - have a mortgage, Homeowner Loan or Home Improvement Loan, with the Lender which is not in arrears and on a property that You occupy (if You subsequently rent out Your property You must inform Your Insurer) - be Working, (either on an employed or Self-Employed basis) for at least 16 hours per week, or where applicable, You are on statutory maternity or paternity leave. If You are Working but are absent from Work at the Commencement Date due to an accident or illness, Your Accident and Sickness cover will not start until You have returned to Work for a continuous period of at least one calendar month.
Minimum Period of Employment	0 months	Section 2 Are You Eligible? On the Commencement Date You must: - be aged 18-64 - be living permanently in the UK - have a mortgage, Homeowner Loan or Home Improvement Loan, with the Lender which is not in arrears and on a property that You occupy (if You subsequently rent out Your property You must inform Your Insurer) - be Working, (either on an employed or Self-Employed basis) for at least 16 hours per week, or where applicable, You are on statutory maternity or paternity leave. If You are Working but are absent from Work at the Commencement Date due to an accident or illness, Your Accident and Sickness cover will not start until You have returned to Work for a continuous period of at least one calendar month.
Minimum Weekly Working Hours	16 hours	Section 2 Are You Eligible? On the Commencement Date You must: - be aged 18-64 - be living permanently in the UK - have a mortgage, Homeowner Loan or Home Improvement Loan, with the Lender which is not in arrears and on a property that You occupy (if You subsequently rent out Your property You must inform Your Insurer) - be Working, (either on an employed or Self-Employed basis) for at least 16 hours per week, or where applicable, You are on statutory maternity or paternity leave. If You are Working but are absent from Work at the Commencement Date due to an accident or illness, Your Accident and Sickness cover will not start until You have returned to Work for a continuous period of at least one calendar month.
Available to Public	yes
Available via	branch
Online Quote	no
Available Online	no
Self Employed	yes	Self-Employed/Self-Employment Actively Working in a profession or business alone or in a partnership and paying Class 2 National Insurance under the Social Security Contributions and Benefits Act 1992 and liable to pay income tax under Schedule D of the Income and Corporation Tax Act 1988, or a company director who is a controlling director.

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