Mortgage Protection Insurance UK

This is an article by Sara Anne Burgess, a UK mortgage protection specialist:
For many years I have been a staunch campaigner against the major names in finance who, I believe, rip-off their customers by selling over priced, often unsuitable UK mortgage protection insurance and other similar ytpes of cover.

It is a disgrace that these companies line their pockets with in excess of £4bn in profits every year from this invaluable insurance – preying on a consumer’s financial vulnerability by selling them poor value cover at an over the top price.

But it doesn’t have to be this way. Payment protection insurance shouldn’t be expensive and of an inferior quality. Burgesses, for example, offer high quality, low cost protection insurance products to suit even the most modest of budgets and circumstances. Our products also feature additional benefits not always offered by those policies on the high street.

Another concern for me – and one which I regularly comment on in the media - is the lack of information readily available to people who are considering payment protection insurance.

Many believe it is compulsory at the time of taking out some form of borrowing such as loan, mortgage or credit card. Others are sold policies that they are not actually eligible to claim upon should they need to.

I believe that the consumer should have the resources needed to enable them to make a well-informed choice about payment protection insurance – and this is one of the aims of this blog.

Sadly, many people do not value the importance of payment protection insurance – or are put off by the horror stories they read in the press (Which is not surprising really, when you hear about the 4,000 cases of mis-sold payment protection insurance cases being investigated by the independent regulatory body, the Financial Services Authority in 2007).

However, when bought correctly, payment protection insurance can quite literally save you from financial distress if you were to lose your income.

Think about it - how would you cope if you became unable to work? How would you service your mortgage repayments or rent? How would you pay your day-to-day living expenses such as food and clothing?

The solution is payment protection - income, mortgage or loan payment protection insurance. Should you unexpectedly lose your income as a result of unforeseen redundancy; due to an ongoing illness; or accident, then the cover would pay you a tax free monthly income until you were back to work.

But it is not as simple as just going out and buying a policy along with your loan, mortgage or credit card. As with all purchases, you need to do your research first. If you don’t, you could end up paying much more than you have to for the insurance and run the risk of paying for something that is not worth the paper it is written is on.

I know about payment protection insurance – the whys, the wherefores and the what nots. I know it provides invaluable protection but have seen how, in the wrong hands, it can be a rip-off.

I believe that using one of British Insurance’s UK mortgage protection insurance policies is the best way to keep a roof over your head.

This is an article by Sara Anne Burgess, a UK mortgage protection specialist:
For many years I have been a staunch campaigner against the major names in finance who, I believe, rip-off their customers by selling over priced, often unsuitable UK mortgage protection insurance and other similar ytpes of cover.

It is a disgrace that these companies line their pockets with in excess of £4bn in profits every year from this invaluable insurance – preying on a consumer’s financial vulnerability by selling them poor value cover at an over the top price.

But it doesn’t have to be this way. Payment protection insurance shouldn’t be expensive and of an inferior quality. Burgesses, for example, offer high quality, low cost protection insurance products to suit even the most modest of budgets and circumstances. Our products also feature additional benefits not always offered by those policies on the high street.

Another concern for me – and one which I regularly comment on in the media - is the lack of information readily available to people who are considering payment protection insurance.

Many believe it is compulsory at the time of taking out some form of borrowing such as loan, mortgage or credit card. Others are sold policies that they are not actually eligible to claim upon should they need to.

I believe that the consumer should have the resources needed to enable them to make a well-informed choice about payment protection insurance – and this is one of the aims of this blog.

Sadly, many people do not value the importance of payment protection insurance – or are put off by the horror stories they read in the press (Which is not surprising really, when you hear about the 4,000 cases of mis-sold payment protection insurance cases being investigated by the independent regulatory body, the Financial Services Authority in 2007).

However, when bought correctly, payment protection insurance can quite literally save you from financial distress if you were to lose your income.

Think about it - how would you cope if you became unable to work? How would you service your mortgage repayments or rent? How would you pay your day-to-day living expenses such as food and clothing?

The solution is payment protection - income, mortgage or loan payment protection insurance. Should you unexpectedly lose your income as a result of unforeseen redundancy; due to an ongoing illness; or accident, then the cover would pay you a tax free monthly income until you were back to work.

But it is not as simple as just going out and buying a policy along with your loan, mortgage or credit card. As with all purchases, you need to do your research first. If you don’t, you could end up paying much more than you have to for the insurance and run the risk of paying for something that is not worth the paper it is written is on.

I know about payment protection insurance – the whys, the wherefores and the what nots. I know it provides invaluable protection but have seen how, in the wrong hands, it can be a rip-off.

I believe that using one of British Insurance’s UK mortgage protection insurance policies is the best way to keep a roof over your head.

This is an article by Sara Anne Burgess, a UK mortgage protection specialist:
For many years I have been a staunch campaigner against the major names in finance who, I believe, rip-off their customers by selling over priced, often unsuitable UK mortgage protection insurance and other similar ytpes of cover.

It is a disgrace that these companies line their pockets with in excess of £4bn in profits every year from this invaluable insurance – preying on a consumer’s financial vulnerability by selling them poor value cover at an over the top price.

But it doesn’t have to be this way. Payment protection insurance shouldn’t be expensive and of an inferior quality. Burgesses, for example, offer high quality, low cost protection insurance products to suit even the most modest of budgets and circumstances. Our products also feature additional benefits not always offered by those policies on the high street.

Another concern for me – and one which I regularly comment on in the media - is the lack of information readily available to people who are considering payment protection insurance.

Many believe it is compulsory at the time of taking out some form of borrowing such as loan, mortgage or credit card. Others are sold policies that they are not actually eligible to claim upon should they need to.

I believe that the consumer should have the resources needed to enable them to make a well-informed choice about payment protection insurance – and this is one of the aims of this blog.

Sadly, many people do not value the importance of payment protection insurance – or are put off by the horror stories they read in the press (Which is not surprising really, when you hear about the 4,000 cases of mis-sold payment protection insurance cases being investigated by the independent regulatory body, the Financial Services Authority in 2007).

However, when bought correctly, payment protection insurance can quite literally save you from financial distress if you were to lose your income.

Think about it - how would you cope if you became unable to work? How would you service your mortgage repayments or rent? How would you pay your day-to-day living expenses such as food and clothing?

The solution is payment protection - income, mortgage or loan payment protection insurance. Should you unexpectedly lose your income as a result of unforeseen redundancy; due to an ongoing illness; or accident, then the cover would pay you a tax free monthly income until you were back to work.

But it is not as simple as just going out and buying a policy along with your loan, mortgage or credit card. As with all purchases, you need to do your research first. If you don’t, you could end up paying much more than you have to for the insurance and run the risk of paying for something that is not worth the paper it is written is on.

I know about payment protection insurance – the whys, the wherefores and the what nots. I know it provides invaluable protection but have seen how, in the wrong hands, it can be a rip-off.

I believe that using one of British Insurance’s UK mortgage protection insurance policies is the best way to keep a roof over your head.

This is an article by Sara Anne Burgess, a UK mortgage protection specialist:
For many years I have been a staunch campaigner against the major names in finance who, I believe, rip-off their customers by selling over priced, often unsuitable UK mortgage protection insurance and other similar ytpes of cover.

It is a disgrace that these companies line their pockets with in excess of £4bn in profits every year from this invaluable insurance – preying on a consumer’s financial vulnerability by selling them poor value cover at an over the top price.

But it doesn’t have to be this way. Payment protection insurance shouldn’t be expensive and of an inferior quality. Burgesses, for example, offer high quality, low cost protection insurance products to suit even the most modest of budgets and circumstances. Our products also feature additional benefits not always offered by those policies on the high street.

Another concern for me – and one which I regularly comment on in the media - is the lack of information readily available to people who are considering payment protection insurance.

Many believe it is compulsory at the time of taking out some form of borrowing such as loan, mortgage or credit card. Others are sold policies that they are not actually eligible to claim upon should they need to.

I believe that the consumer should have the resources needed to enable them to make a well-informed choice about payment protection insurance – and this is one of the aims of this blog.

Sadly, many people do not value the importance of payment protection insurance – or are put off by the horror stories they read in the press (Which is not surprising really, when you hear about the 4,000 cases of mis-sold payment protection insurance cases being investigated by the independent regulatory body, the Financial Services Authority in 2007).

However, when bought correctly, payment protection insurance can quite literally save you from financial distress if you were to lose your income.

Think about it - how would you cope if you became unable to work? How would you service your mortgage repayments or rent? How would you pay your day-to-day living expenses such as food and clothing?

The solution is payment protection - income, mortgage or loan payment protection insurance. Should you unexpectedly lose your income as a result of unforeseen redundancy; due to an ongoing illness; or accident, then the cover would pay you a tax free monthly income until you were back to work.

But it is not as simple as just going out and buying a policy along with your loan, mortgage or credit card. As with all purchases, you need to do your research first. If you don’t, you could end up paying much more than you have to for the insurance and run the risk of paying for something that is not worth the paper it is written is on.

I know about payment protection insurance – the whys, the wherefores and the what nots. I know it provides invaluable protection but have seen how, in the wrong hands, it can be a rip-off.

I believe that using one of British Insurance’s UK mortgage protection insurance policies is the best way to keep a roof over your head.

This is an article by Sara Anne Burgess, a UK mortgage protection specialist:
For many years I have been a staunch campaigner against the major names in finance who, I believe, rip-off their customers by selling over priced, often unsuitable UK mortgage protection insurance and other similar ytpes of cover.

It is a disgrace that these companies line their pockets with in excess of £4bn in profits every year from this invaluable insurance – preying on a consumer’s financial vulnerability by selling them poor value cover at an over the top price.

But it doesn’t have to be this way. Payment protection insurance shouldn’t be expensive and of an inferior quality. Burgesses, for example, offer high quality, low cost protection insurance products to suit even the most modest of budgets and circumstances. Our products also feature additional benefits not always offered by those policies on the high street.

Another concern for me – and one which I regularly comment on in the media - is the lack of information readily available to people who are considering payment protection insurance.

Many believe it is compulsory at the time of taking out some form of borrowing such as loan, mortgage or credit card. Others are sold policies that they are not actually eligible to claim upon should they need to.

I believe that the consumer should have the resources needed to enable them to make a well-informed choice about payment protection insurance – and this is one of the aims of this blog.

Sadly, many people do not value the importance of payment protection insurance – or are put off by the horror stories they read in the press (Which is not surprising really, when you hear about the 4,000 cases of mis-sold payment protection insurance cases being investigated by the independent regulatory body, the Financial Services Authority in 2007).

However, when bought correctly, payment protection insurance can quite literally save you from financial distress if you were to lose your income.

Think about it - how would you cope if you became unable to work? How would you service your mortgage repayments or rent? How would you pay your day-to-day living expenses such as food and clothing?

The solution is payment protection - income, mortgage or loan payment protection insurance. Should you unexpectedly lose your income as a result of unforeseen redundancy; due to an ongoing illness; or accident, then the cover would pay you a tax free monthly income until you were back to work.

But it is not as simple as just going out and buying a policy along with your loan, mortgage or credit card. As with all purchases, you need to do your research first. If you don’t, you could end up paying much more than you have to for the insurance and run the risk of paying for something that is not worth the paper it is written is on.

I know about payment protection insurance – the whys, the wherefores and the what nots. I know it provides invaluable protection but have seen how, in the wrong hands, it can be a rip-off.

I believe that using one of British Insurance’s UK mortgage protection insurance policies is the best way to keep a roof over your head.

This is an article by Sara Anne Burgess, a UK mortgage protection specialist:
For many years I have been a staunch campaigner against the major names in finance who, I believe, rip-off their customers by selling over priced, often unsuitable UK mortgage protection insurance and other similar ytpes of cover.

It is a disgrace that these companies line their pockets with in excess of £4bn in profits every year from this invaluable insurance – preying on a consumer’s financial vulnerability by selling them poor value cover at an over the top price.

But it doesn’t have to be this way. Payment protection insurance shouldn’t be expensive and of an inferior quality. Burgesses, for example, offer high quality, low cost protection insurance products to suit even the most modest of budgets and circumstances. Our products also feature additional benefits not always offered by those policies on the high street.

Another concern for me – and one which I regularly comment on in the media - is the lack of information readily available to people who are considering payment protection insurance.

Many believe it is compulsory at the time of taking out some form of borrowing such as loan, mortgage or credit card. Others are sold policies that they are not actually eligible to claim upon should they need to.

I believe that the consumer should have the resources needed to enable them to make a well-informed choice about payment protection insurance – and this is one of the aims of this blog.

Sadly, many people do not value the importance of payment protection insurance – or are put off by the horror stories they read in the press (Which is not surprising really, when you hear about the 4,000 cases of mis-sold payment protection insurance cases being investigated by the independent regulatory body, the Financial Services Authority in 2007).

However, when bought correctly, payment protection insurance can quite literally save you from financial distress if you were to lose your income.

Think about it - how would you cope if you became unable to work? How would you service your mortgage repayments or rent? How would you pay your day-to-day living expenses such as food and clothing?

The solution is payment protection - income, mortgage or loan payment protection insurance. Should you unexpectedly lose your income as a result of unforeseen redundancy; due to an ongoing illness; or accident, then the cover would pay you a tax free monthly income until you were back to work.

But it is not as simple as just going out and buying a policy along with your loan, mortgage or credit card. As with all purchases, you need to do your research first. If you don’t, you could end up paying much more than you have to for the insurance and run the risk of paying for something that is not worth the paper it is written is on.

I know about payment protection insurance – the whys, the wherefores and the what nots. I know it provides invaluable protection but have seen how, in the wrong hands, it can be a rip-off.

I believe that using one of British Insurance’s UK mortgage protection insurance policies is the best way to keep a roof over your head.

This is an article by Sara Anne Burgess, a UK mortgage protection specialist:
For many years I have been a staunch campaigner against the major names in finance who, I believe, rip-off their customers by selling over priced, often unsuitable UK mortgage protection insurance and other similar ytpes of cover.

It is a disgrace that these companies line their pockets with in excess of £4bn in profits every year from this invaluable insurance – preying on a consumer’s financial vulnerability by selling them poor value cover at an over the top price.

But it doesn’t have to be this way. Payment protection insurance shouldn’t be expensive and of an inferior quality. Burgesses, for example, offer high quality, low cost protection insurance products to suit even the most modest of budgets and circumstances. Our products also feature additional benefits not always offered by those policies on the high street.

Another concern for me – and one which I regularly comment on in the media - is the lack of information readily available to people who are considering payment protection insurance.

Many believe it is compulsory at the time of taking out some form of borrowing such as loan, mortgage or credit card. Others are sold policies that they are not actually eligible to claim upon should they need to.

I believe that the consumer should have the resources needed to enable them to make a well-informed choice about payment protection insurance – and this is one of the aims of this blog.

Sadly, many people do not value the importance of payment protection insurance – or are put off by the horror stories they read in the press (Which is not surprising really, when you hear about the 4,000 cases of mis-sold payment protection insurance cases being investigated by the independent regulatory body, the Financial Services Authority in 2007).

However, when bought correctly, payment protection insurance can quite literally save you from financial distress if you were to lose your income.

Think about it - how would you cope if you became unable to work? How would you service your mortgage repayments or rent? How would you pay your day-to-day living expenses such as food and clothing?

The solution is payment protection - income, mortgage or loan payment protection insurance. Should you unexpectedly lose your income as a result of unforeseen redundancy; due to an ongoing illness; or accident, then the cover would pay you a tax free monthly income until you were back to work.

But it is not as simple as just going out and buying a policy along with your loan, mortgage or credit card. As with all purchases, you need to do your research first. If you don’t, you could end up paying much more than you have to for the insurance and run the risk of paying for something that is not worth the paper it is written is on.

I know about payment protection insurance – the whys, the wherefores and the what nots. I know it provides invaluable protection but have seen how, in the wrong hands, it can be a rip-off.

I believe that using one of British Insurance’s UK mortgage protection insurance policies is the best way to keep a roof over your head.

This is an article by Sara Anne Burgess, a UK mortgage protection specialist:
For many years I have been a staunch campaigner against the major names in finance who, I believe, rip-off their customers by selling over priced, often unsuitable UK mortgage protection insurance and other similar ytpes of cover.

It is a disgrace that these companies line their pockets with in excess of £4bn in profits every year from this invaluable insurance – preying on a consumer’s financial vulnerability by selling them poor value cover at an over the top price.

But it doesn’t have to be this way. Payment protection insurance shouldn’t be expensive and of an inferior quality. Burgesses, for example, offer high quality, low cost protection insurance products to suit even the most modest of budgets and circumstances. Our products also feature additional benefits not always offered by those policies on the high street.

Another concern for me – and one which I regularly comment on in the media - is the lack of information readily available to people who are considering payment protection insurance.

Many believe it is compulsory at the time of taking out some form of borrowing such as loan, mortgage or credit card. Others are sold policies that they are not actually eligible to claim upon should they need to.

I believe that the consumer should have the resources needed to enable them to make a well-informed choice about payment protection insurance – and this is one of the aims of this blog.

Sadly, many people do not value the importance of payment protection insurance – or are put off by the horror stories they read in the press (Which is not surprising really, when you hear about the 4,000 cases of mis-sold payment protection insurance cases being investigated by the independent regulatory body, the Financial Services Authority in 2007).

However, when bought correctly, payment protection insurance can quite literally save you from financial distress if you were to lose your income.

Think about it - how would you cope if you became unable to work? How would you service your mortgage repayments or rent? How would you pay your day-to-day living expenses such as food and clothing?

The solution is payment protection - income, mortgage or loan payment protection insurance. Should you unexpectedly lose your income as a result of unforeseen redundancy; due to an ongoing illness; or accident, then the cover would pay you a tax free monthly income until you were back to work.

But it is not as simple as just going out and buying a policy along with your loan, mortgage or credit card. As with all purchases, you need to do your research first. If you don’t, you could end up paying much more than you have to for the insurance and run the risk of paying for something that is not worth the paper it is written is on.

I know about payment protection insurance – the whys, the wherefores and the what nots. I know it provides invaluable protection but have seen how, in the wrong hands, it can be a rip-off.

I believe that using one of British Insurance’s UK mortgage protection insurance policies is the best way to keep a roof over your head.

If you want a lifeline to cling to in case you became redundant then give some consideration to taking out redundancy protection in the form of payment protection insurance. Depending on your circumstances you are able to take out protection for your mortgage, loan or income in general. All payment protection can be shopped around for and if you choose to take out a policy with ethical specialist British Insurance you are able to make some of the biggest savings.

Loan payment protection from British Insurance would save you up to 80% and mortgage payment protection would help you to make savings of as much as 40%. You can also make savings on income payment protection insurance and be provided with all the information needed to be sure of which policy would be the most suitable.
Loan payment protection would be there for you to provide you with a replacement income to pay your loan or credit card repayments. Mortgage protection would allow you the luxury of knowing that your mortgage repayments were safe each month. Income payment protection would safeguard your income in general and ensure you could maintain all existing outgoings.

All payment protection would begin after a certain length of time; usually this is between days 30 and 90. Your policy would then continue for either 12 months or 24 months again depending on the provider you choose to take out protection with. With ethical British Insurance this would be from the 30th day and continue paying out up to the 12 month. British Insurance would also backdate their redundancy protection benefit to the first day of your becoming unemployed.

Redundancy protection does come with some exclusions that do have to be checked against your circumstances. These should be made clear by the provider you choose to take your policy from, all ethical payment protection specialists will give you this information on their website and this allows you to make an informed decision regarding the policies suitability.

If you want a lifeline to cling to in case you became redundant then give some consideration to taking out redundancy protection in the form of payment protection insurance. Depending on your circumstances you are able to take out protection for your mortgage, loan or income in general. All payment protection can be shopped around for and if you choose to take out a policy with ethical specialist British Insurance you are able to make some of the biggest savings.

Loan payment protection from British Insurance would save you up to 80% and mortgage payment protection would help you to make savings of as much as 40%. You can also make savings on income payment protection insurance and be provided with all the information needed to be sure of which policy would be the most suitable.
Loan payment protection would be there for you to provide you with a replacement income to pay your loan or credit card repayments. Mortgage protection would allow you the luxury of knowing that your mortgage repayments were safe each month. Income payment protection would safeguard your income in general and ensure you could maintain all existing outgoings.

All payment protection would begin after a certain length of time; usually this is between days 30 and 90. Your policy would then continue for either 12 months or 24 months again depending on the provider you choose to take out protection with. With ethical British Insurance this would be from the 30th day and continue paying out up to the 12 month. British Insurance would also backdate their redundancy protection benefit to the first day of your becoming unemployed.

Redundancy protection does come with some exclusions that do have to be checked against your circumstances. These should be made clear by the provider you choose to take your policy from, all ethical payment protection specialists will give you this information on their website and this allows you to make an informed decision regarding the policies suitability.