0800 066 3793 – Call for Immediate Cover

Cover Options to Suit Your Needs

There are a range of options and cover levels to keep MortgageSafe affordable, so you can focus on the future, rather than your finances. All levels of cover are available for employed and self-employed individuals.

Learn more on the following page with some examples, and understand what level of cover might suit your needs.

Cover at a Glance

MortgageSafe offers three levels of cover to choose from, depending upon your needs

Core

Accident only cover
4 week waiting period
12 month benefit payment period
No health questions asked

Essential12

Accident & illness cover
4 week waiting period
12 month benefit payment period
Health questions asked

Essential24

Accident only cover
4 week waiting period
12 month benefit payment period
No health questions asked
The Core Cover option is accident only cover, so we won’t ask you any medical history questions.
Essential12 and Essential24 cover options adopt a quick and easy approach to reviewing your medical history. All our questions focus on significant or recent medical conditions only. We won’t ask you any questions about your family history.
If you need to claim, Core and Essential12 will pay for up to 12 months. Essential24 will pay for up to 24 months.
Each level of cover has a 4 week waiting period, meaning you must be unable to work for 4 or more weeks to receive the first payment. However, you can submit your claim in advance if you know you’ll be unable to work, and we’ll make benefit payments to cover you from the first day you were unable to work.

Core

Needs summary:

  • First-time buyer
  • Active job and lifestyle
  • Focused on finances and budget

To help protect the everyday with:

  • Protection for a busy and active lifestyle should they be unable to work due to an accident
  • Affordable premiums that fit the budget
  • Immediate cover with no health questions
  • Child Cover option to cover all eligible children, present and future
  • Peace of mind that the right level of cover is in place to support the mortgage payments for up to 12 months

£6.10 per month for £800 mortgage payment benefit coverage

Essential12

Needs summary:

  • Self-employed business owner
  • Growing family
  • Looking to up-size the home

Needs summary:

  • Flexible levels of protection which can be increased or decreased to meet current circumstances
  • Child Cover option to cover all eligible children, present and future
  • Confidence that, without Statutory Sick Pay entitlement, the home and the family are protected for up to 12 months

£14.06 per month for £800 mortgage payment benefit coverage. This includes £3 for Child Cover.

Essential24

Needs summary:

  • Self-employed business owner
  • Growing family
  • Looking to up-size the home

Needs summary:

  • Flexible levels of protection which can be increased or decreased to meet current circumstances
  • Child Cover option to cover all eligible children, present
    and future
  • Confidence that, without Statutory Sick Pay entitlement, the home and the family are protected for up to 12 months

£14.06 per month for £800 mortgage payment benefit coverage. This includes £3 for Child Cover.

Child Cover

Families can choose to add Optional Child Cover onto their policy.

It isn’t linked to your mortgage. It’s simply there to help families get back on track and manage any unexpected costs associated with child accidents and illness.

This cover provides a lump sum of money directly to you, to help support you through disruption to normal life if any one of your children is unlucky enough to break a bone, spend time in hospital or be diagnosed with cancer – excluding less advanced cases*. It provides protection for all eligible children aged 6 months to 18 years, or up to 23 years if your child is in full-time education.

It can be selected and removed from the policy at any time after the policy start date.

 

* In line with the ABI’s Guide to Minimum Standards for Critical Illness Cover, we do not cover cases of cancer that are less advanced. Please see the policy terms and conditions for full details of the cancer types that are not covered.

Broken bones
Major (arm, ankle, back, cranium, hip, leg, mandible, neck, pelvis, shoulder or wrist)£500
Minor (any other) excluding the nose£100
Hospitalisation (per 24 hour period) as a result of accident or illness
Hospital admission due to illness after cover has been held for 12 months£50 per day
Cancer - excluding less advanced cases
Lump sum per valid diagnosis, per child£10,000