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Mortgage & Lifestyle Protection

Information for our existing customers including how to make a claim and how to contact us.

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Unemployment cover

In order for us to pay a claim you must be claiming Jobseeker's Allowance or receiving National Insurance Credits.

Exclusions on unemployment cover:

We won't pay an unemployment cover claim if you are not in work because you:

  • have retired
  • have become voluntarily unemployed
  • have taken a career break
  • have become a homemaker
  • are a temporary worker
  • become unemployed due to your own misconduct, fraud or dishonesty
  • are a carer and the sickness or disease, or condition of the person you're caring for existed before your unemployment cover start date OR if you are a carer and the person being cared for doesn't require a carer.

This list isn't exhaustive so you should check the policy conditions for full details.


You are only able to claim if:

  • you have been declared bankrupt
  • your business is insolvent, or;
  • your business is in liquidation


We will continue to pay you until:

  • you find new employment
  • we have paid you for 12 months for one unemployment claim
  • we have paid you for 36 months in total for all unemployment claims you've made
  • you no longer receive Jobseekers Allowance or National Insurance Credits
  • your unemployment cover ends (state retirement age)

For more information please read your policy conditions.