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Since 2006 we have helped 332,995 people compare Protection Insurance quotes.
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Now’s the time to protect your loved ones - Prices have never been cheaper.

Let's help guide you through the options and find the best deal for your circumstances.

Our quotation service is completely FREE & you are under no obligation to purchase.

Since 2006 we have helped 332,995 people compare Protection Insurance quotes.
We would love to do the same for you...

How to determine the right type of protection insurance for you

When it comes to mortgages and ensuring we can always pay them, certain things are obvious, and other things a lot less so. What isn’t in question for most of us is that our mortgage is one of the biggest ongoing financial commitments we have, or even the biggest of all.

But does it automatically follow that you should therefore seek out a mortgage protection insurance policy?

Introducing mortgage protection cover

Before we go any further, let’s be clear about exactly what mortgage protection insurance is. It’s a type of protection insurance where you pay monthly premiums. In return, in the event that you are rendered unable to cover your mortgage payments as a result of long-term sickness or disability preventing you from working, you will be able to receive monthly tax-free payments.

As the name of this type of insurance indicates, it is designed to help policyholders pay off their mortgage. Sure enough, depending on the provider, you might ask to take out a policy that solely covers your mortgage costs, or you may wish for it to also cover other bills you might have. If you request the latter, the provider will typically cover 125% of your mortgage costs.

When might mortgage protection insurance most make sense?

There are certain circumstances in which purchasing a mortgage protection policy may be a particularly wise decision.

If you have a partner, you might be worried that in the event of something happening to you that would prevent you from keeping on top of your mortgage payments, you would be at risk of losing your home. In that situation, having mortgage protection insurance in place could ensure your household is able to continue paying off the loan.

Similarly, if you were to become a parent, that’s a big responsibility, and you will understandably be anxious to make sure that if you were unable to continue working for whatever reason, your young family would be able to keep on living in their home. A mortgage protection policy could help with that.

But mortgage protection insurance might not be the perfect match for everyone. You may, for instance, have savings you could use to pay off a mortgage if something adverse did happen to you, or your partner’s salary might be sufficient to cover it.

Alternatively, your situation might be more ambiguous - for example, you might have enough savings to keep on paying off your mortgage for a certain period of time, but not indefinitely. In that case, you might consider still taking out a mortgage protection policy, but putting in place a longer waiting period to begin receiving payments. A great advantage of this course of action is that it can help reduce the cost of your premiums.

Don’t be afraid to talk to us for more tailored advice

The above effectively just dips a toe into the world of mortgage protection insurance, and indeed, you may eventually conclude that an alternative product or strategy would be the best one for you.

Whatever your situation, why not get in touch with a UK adviser who can also present you with a no-obligation quote for a suitable product for free? Simply call 0800 316 6917 now to learn more about what the QuoteLifeCover team can do for you.

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Get Insured within 20 Minutes

It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.

A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.

Calculate Your Cover

Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.

Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.

Calculate your cover here

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Read What Our Customers Think of Us

Five Stars (4.9)

Great communication, help and guidance.

All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.

I was given good independent advise, so I could confidently make my choice on what was right for me.

- Denise

Clear, friendly, efficient and prompt service.

No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.

- Ms Shannon

I found the customer service representative very polite and informative and helpful.

I wished some information on life insurance for a mortgage I have applied for.

All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.

- Mrs Severn

Very good professional service.

I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.

- Mrs Cookson

Professional and no-nonsense approach.

Very thorough yet friendly service. Good contact and information one can understand.

- Heather Cronley

A professional customer centric company with the client at the heart of the transaction.

The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.

- Andrew Hughes

Outstanding service and knowledgeable customer service rep.

I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.

Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.

Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.

I cannot fault this service and the professionalism I received.

- N Marsden

Excellent Service.

Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.

- Glenda

The quotation service is provided by an FCA-authorised insurance specialist

Promoted Premiums for 35 year old male (non-smoker) on a 25 year term - July 2021*
Life Insurance: £5/month = £75,948 sum insured
Critical Illness Cover: £10/month = £31,055 sum insured
Combined Life & Critical Illness Cover: £10/month = £27,572 sum insured

 

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