Our insurance cover is not suitable for persons who:
• are not aged between 18 and 65
• do not live and work in the United Kingdom
• do not work for more than 16 hours each week and have not done so continuously for the past 6 months
Furthermore, our insurance cover is much less likely to be suitable for you if:
• You cannot register as unemployed within the United Kingdom.
• Your are employed on a fixed-term contract and you have less than 2 years service with your current employer.
• You are employed on a fixed-term contact and your contract has 6 months or less to run.
• You are aware of any proposed redundancies or reorganisation in the business you work for.
• You are aware of any financial or contractual threat to the business you work for.
• Your work is casual, temporary or seasonal in nature or unemployment is a regular feature of your particular job
• You are currently disabled or you have a pre-existing medical condition.
• You are currently unable to work due to an incapacity (including any maternity leave).
• You are an existing borrower and your mortgage or loan is in arrears or is shortly due to end.
• You are using your mortgage or loan for commercial purposes (including buy to let mortgages).
• You are not living in the property named on your proposal.
• You are acting as a guarantor on the mortgage or loan (even if you
are named on the agreement).
• You already have unemployment and/or incapacity insurance.
• You do not have or intend to have a mortgage or loan.
• You wish to insure more than 50% of your gross monthly income.
• You wish to obtain immediate unemployment cover.
• You become unemployed or incapacitated and still receive some income.