Do you offer Free cover?

Yes. Free cover up to £500,000 is available for Personal Protection that’s taken out in connection with a mortgage, and up to £1 million for Whole of Life protection.

Personal Protection

For Personal Protection, it’s only available if we’ve accepted you on standard terms. The free cover will be available from either the date we issue acceptance terms or the date you exchange contracts, whichever’s latest. It will end either 90 days after the date of the acceptance letter or when your mortgage completes, whichever’s earliest.

You can find full details in the Key features of the Personal Protection policy (PDF - 2.4mb)(Opens new window)

Whole of Life protection

For Whole of Life protection, free cover is available unless:

  • you’ve applied, or are in the process of applying, for similar cover with another insurance company
  • any person to be insured by the policy is aged 70 or older
  • you have a diminished mental capacity

For Whole of Life protection, the free cover will be available for up to 90 days while we’re processing your application.

You can find full details in the Key features of the Whole of Life policy