mortgage protection

Mortgage payment protection is an insurance designed to protect you against being unable to pay your monthly mortgage payments, when you can't work through disability (accident & sickness) or unemployment.

getMY mortgage protection is administered by FirstAssist, which has been providing mortgage protection insurance cover for over 20 years. Our flexible mortgage protection insurance allows you to choose cover for accident and sickness, unemployment or both as well as carer cover if you have to take voluntary leave from work to become a carer. getMY mortgage protection also provides 'Back to Work' assistance to help you after a period of unemployment. From time to time we may restrict the product options available to new customers.

Our mortgage protection policies are underwritten by Great Lakes Reinsurance (UK) PLC. Both FirstAssist and Great Lakes are authorised and regulated by the Financial Services Authority.

Three levels of cover are available:

• Accident, Sickness (Disability) & Unemployment;
• Accident & Sickness (Disability);
• Unemployment Only.

There are five waiting period and benefit period options. The waiting period is the number of days you are off work that you have to wait before your entitlement to benefit commences.

From time to time we may restrict the product options available to new customers.

Mortgage payment protection is available to anyone who is:

• Taking out or has a mortgage that is not in arrears;
• Aged 18 or over and under 65 years of age;
• Living and working permanently in the UK; and
• In continuous permanent employment including self employment, for at least 16 hours a week

If you are a fixed term contract worker or suffer from a medical condition, �you can still be covered but terms may apply. For further details please refer to the 'What We will not cover' sections of the policy document.

You can be covered for accident and sickness. However, you will not be eligible for unemployment cover if your employer has officially announced redundancies, a restructuring programme or a merger with another company.

Please also note that you will also not be able to claim on unemployment if your employer officially announces redundancies, a restructure programme or a merger with another company within 120 days from the date of your application.

You are still eligible for cover. To claim for unemployment benefit you must provide proof that:

• You have involuntarily ceased trading and declared this to the HM Revenue & Customs
• You are registered as unemployed, available and actively looking for employment

Important Note
Any change in your employment status may affect your entitlement to claim for the benefits offered by this policy, therefore please notify getMY.com of this as soon as possible.

You will be covered for any new medical condition. However, claims from the following are excluded:

• Any medical condition which occurs in the first 24 months of the policy as a result of any medical condition for which treatment had been given or diagnosis commenced during the 12 months before the start date
• Any chronic or continuing condition which you already have

• If you have selected a 30 day waiting period - If you cannot work due to disability or become unemployed for at least 60 days in a row, a monthly benefit will become payable on the 61st day.
• If you have selected a 60 day waiting period - If you cannot work due to disability or become unemployed for at least 90 days in a row, a monthly benefit will become payable on the 91st day.
• If you have selected a 90 day waiting period - If you cannot work due to disability or become unemployed for at least 120 days in a row, a monthly benefit will become payable on the 121st day.
• If you have selected a 120 day waiting period - If you cannot work due to disability or become unemployed for at least 150 days in a row, a monthly benefit will become payable on the 151st day.

You will receive payment in line with your waiting period (please see question 8 above). We will continue to pay monthly benefit for each further full month until:

• You return to work;
• We have paid the 12 maximum monthly benefits, or
• cover ends

whichever happens first.

Yes, you can be covered for the same disability. If there is less than three consecutive months of active employment between two periods of disability, we will classify those two periods as one continuous period of disability and pay up to an aggregate of the maximum monthly benefits in total. We will not pay benefit for the time you were working between the two periods. Only one waiting period will be applied.

For example
Customer B selected a policy with a maximum of 12 monthly benefits. Customer B received three monthly benefits and then returned to work, but within three months was unable to work again due to a recurrence of the disability. This is treated as a continuation of the previous claim. Customer B will not have to go through the waiting period before benefits become payable again. As they have already received three monthly benefits for the earlier period, the maximum payable for the second period will be nine monthly benefits.

Yes, you will be covered providing there are less than three consecutive months of employment between two periods of unemployment. In this instance, we will classify those two periods as one continuous period of unemployment and pay up to an aggregate of the maximum monthly benefits in total. We will not pay benefit for the time you were working between the two periods. Only one waiting period will be applied.

For example
Customer B selected a policy with a maximum of 12 monthly benefits. Customer B received two monthly benefits and returned to work, but within three months became unemployed again. This is treated as a continuation of the previous claim. Customer B will not have to go through the waiting period before benefits become payable again. As they have already received two monthly benefits for the earlier period, the maximum payable for the second period will be ten monthly benefits.

You can choose the level of monthly benefit to cover your monthly mortgage repayment and related insurance premiums, rounded up to the nearest £10, up to a maximum of £1500 per month. The monthly benefit you select should not be less than your monthly mortgage payment.

If you select either Unemployment cover or Disability & Unemployment cover, the benefits of the policy includes an unemployment telephone assistance service. This service is available should you ever be faced with unemployment.

In the event of making a claim for unemployment, an adviser will contact you within 7 days to provide advice and guidance on a range of issues as well as providing you with an information pack to assist you in securing another job.

If you wish to notify us of a claim, please call 0845 026 0084 (for your protection calls may be recorded and may be monitored) or please write to getMY mortgage protection, PO Box 500, 1 Drake Circus, Plymouth, PL1 1XB.

No, payment is made directly to you and is tax free.

When you receive your Policy of Insurance you should read it carefully. If for any reason you find it does not meet your needs, you can return it within 30 days and cover will be cancelled from its start at no cost to yourself, provided no claim has been made. Both you and the insurer can cancel in other circumstances.

Your personalised documents are securely saved online. Once your purchase is complete we will email you to let you know where and how to access them. To protect your security, we will provide you with a unique username and password. You can view and/or print out your documents, whichever you prefer.

You'll need Adobe Reader to�view your documents. And if you haven't got it, click here for a free copy.

If you accidentally delete the email telling you how to access your documents, you can call our Customer Services Team on 0845 026 0084 and we will re-send the email.

The documentation that you can access online will be in a printable format. However, if you are unable to print your documents or prefer to receive a paper copy from us, please call our Customer Services Team on 0845 026 0084.

We are committed to meeting the needs of all our customers. For visually impaired customers, we can provide documents in large print, Braille or on audio cassette. Simply call our Customer Services Team on 0845 026 0084 (lines open Mon-Fri 8am-8pm, Sat 9am-5pm) and we will arrange to send the documents in a format that suits you.

In addition, if you have a hearing or speech impairment, you can use Typetalk whenever you contact us, or contact us using Textphone on 0800 316 0775 (lines open Mon-Fri 8am-8pm, Sat 9am-5pm).

All customer information is stored securely on our systems just as it would be through a normal paper or telephone based sale. The link we give you allows you to access our system. We provide you with a unique password and will ask you a security question to access your data that only you will know.

We use 128 bit SSL encryption on the secure link. 128 bit SSL encryption is the highest level of protection possible and therefore the one used by all sites where financial transactions occur.