You check what monthly mortgage payment you need to cover, including any mortgage related insurance premiums. This is called the monthly benefit. Please note that British Insurance Mortgage Payment Protection can cover a maximum monthly mortgage payment of £2,000 or 50% of your gross income, whichever is the lesser.

You decide how long you would be able to cover these payments yourself should you loose your income, for instance with savings or because of redundancy payouts. This would be your excess period, which is the period after which the monthly benefit would start if your claim is accepted. With British Insurance you can choose a back to day 1, 30, 60, 90 or 180 days excess period.

You decide which reasons for becoming unable to work you would like to cover. Most of our customers choose Unemployment, Accident and Sickness cover. But you can also choose just unemployment cover to cover redundancy or you having to quit your job to become a full time carer for a member of your immediate family. It is also possible to select accident and sickness cover only.

If you are unable to work and qualify for payments, the monthly benefit will be paid straight into your bank account, for a period of up to 12 months.

If you would like to cover other outgoings, such as loan payment protection, credit card payment protection or even your household bills, then please check out our income payment protection cover.