Countrywide Mortgage Services. Your guide to insurance
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1 Your guide to insurance
2 Your guide to insurance This guide provides an overview of the different types of insurance products available through Countrywide; each of which have been designed to ensure that you, your home and your family are protected, no matter what life throws at you. Why choose Countrywide? 3 Protecting your home and contents 4 Protecting your mortgage payments 5 Protecting you and your family 6 Additional Benefits 7 Proud to be associated with
3 Why Choose Countrywide? Why choose Countrywide to help protect you, your home and your family? Buying a home is a major financial commitment, so having suitable cover in place can give you and your family peace of mind. Countrywide are proud to be associated with AXA and Friends Life to keep you and your home safe and secure should the worst happen. Here are some of the reasons why: Why AXA? AXA have over 160,000 employees serving 102 million clients, in 57 countries. AXA are the most recognised insurance brand globally. AXA are the largest insurer by net written premium. AXA UK are a significant player in the UK s financial services market with 16 million customers, the equivalent to 1 in 4 families holding an AXA product. Why Friends Life? Award winning cover from Friends Life. Friends Life provides pensions, investments and life insurance to over 5 million customers. Friends Life has developed its experience and expertise over 200 years. To discuss your requirements, please talk to your Mortgage Consultant. Visit (For MortgageCare, Home Protection Plan & LetsProtect) Visit (For Life Cover, Income Protection & Critical Illness Cover) Call or insurance@countrywide.co.uk 3
4 Protecting your home and contents Here at Countrywide, we know that buying a home will be your biggest investment. To bring you peace of mind, Countrywide and AXA have worked together to design an exclusive range of insurance products. Buildings Insurance Our buildings insurance protects against a number of risks, including loss due to storm, fire, flood, subsidence or theft. This is a requirement of most mortgages. Our Home Protection Buildings cover also includes: Rebuild cost guarantee - we will pay up to the full cost to repair or rebuild following loss or damage. A range of excess options, starting as low as 50. Full accidental damage cover as standard. Contents Insurance Contents insurance cannot stop the incident from taking place but it can help you put things back the way they were quickly and with the minimum of fuss. Our Home Protection Contents cover includes: The option to choose the level of cover applicable to your needs. A range of excess options, starting as low as 50. Identity Theft cover. Lifestyle Assistance, which includes a home security service and 24 hour travel service. Full accidental damage cover (optional). We also offer a Value Plus package, which includes a number of benefits: Personal possessions cover protects your personal belongings outside of the home. Home assistance to help with emergency repair arrangements and costs up to Family legal protection receive up to 50,000 assistance with legal costs in the event of unforeseen legal proceedings. We also provide insurance for Landlords, please talk to your Mortgage Consultant for details. 4
5 Protecting your mortgage payments Buying a home is probably the largest financial commitment you are likely to make. In these unsettled economic times it has never been more important to protect your home and family against the risk of involuntary unemployment, accident or sickness. Unemployment Cover Our MortgageCare Unemployment cover can help you continue to meet your mortgage repayments for a period of up to12 months per claim, in the unfortunate event that you become involuntarily unemployed or suffer from business failure (if you are self employed). Accident and Sickness Cover Our MortgageCare Accident and Sickness cover can provide peace of mind in the event that you are unable to work due to accident or sickness by helping to meet your mortgage repayments for a period of up to 12 months per claim, allowing you to focus on your recovery. Accident, Sickness and Unemployment Cover This cover provides peace of mind by combining the benefits of Unemployment cover with Accident and Sickness cover for total protection. This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at: Premiums are payable monthly by Direct Debit without charge. Premium amounts quoted include 6% Insurance Premium Tax. Accident & Sickness Only: 4.29 per month per 100 of benefit. Unemployment Only: 4.54 per month per 100 of benefit. Accident, Sickness & Unemployment: 6.56 per month per 100 of benefit. 5
6 Protecting you and your family Here at Countrywide, we work with Friends Life to provide cover which ensures that you and your loved ones are protected no matter what life throws at you. Life Cover Life Cover pays out a cash lump sum, or an annual benefit if selected, should you die or if you are diagnosed with a terminal illness before your cover ends. It can be used to help: Pay off your mortgage Provide money to help maintain standards of living for those loved ones left behind. Income Protection Income Protection will pay you a regular monthly benefit if you lose your earnings due to being unable to work because of illness or injury. It can be used to help: Pay your monthly mortgage instalments Pay your monthly bills that don t stop, e.g. Council Tax, gas and electric, TV subscriptions Maintain your family s lifestyle, e.g. holidays, mobile phones and eating out. Critical Illness Cover Our critical illness cover provides a cash sum if you suffer or undergo a specified illness or operation. It can be used to help: Pay for medical treatment Pay towards changes you need to make due to illness, e.g. home alterations Provide you and your family with peace of mind. It will also cover your children up to age 18, or 21 if they are not in full time employment. If your child is diagnosed with one of the conditions covered, critical illness cover pays out a lump sum payment to provide your family with financial support at a difficult time. Note: The Friends Life policies are pure protection policies and there is no cash-in value. When considering the amount of cover you may need, it is worth remembering that inflation will reduce the spending power of any money you get back in the future, therefore you should review the amount of cover on a regular basis. 6
7 Additional benefits If you were to fall ill, as well as financial support, our cover also provides you, your partner and your children with access to added value services and benefits, available from day one. Second Opinion by Best Doctors Second Opinion gives you access to over 53,000 of the world s leading medical experts, who have been specifically nominated by other top medical specialists. From the very first day of your cover, the service can: offer you a second medical opinion service from one of the best experts around the world, giving you confirmation of diagnosis and the recommended course of treatment help with many conditions causing major discomfort, such as eczema or migraines, to more serious life-threatening conditions. Second Opinion is a non-contractual benefit which can be withdrawn at any time without notice. Bupa HealthLine Bupa HealthLine provides you and your family with telephone access to a qualified and experienced Bupa nurse at any time, day or night, every day of the year. You can ask for help and advice on a range of health queries, including: Lifestyle questions, such as advice on diet, keeping your heart healthy or stopping smoking Queries about a specific illness, operation or injury General health-related advice. All you have to do is call. Bupa HealthLine is a non-contractual benefit and may be withdrawn at any time, without notice. Bupa HealthLine is provided by or through subsidiary companies of the Bupa Group. Global Treatment Friends Life has teamed up with Best Doctors to exclusively offer Global Treatment, available as an additional option to your cover. At 4 a month, Global Treatment gives you access to top medical minds and leading overseas treatment. Serious illnesses are all too common, but while our country s healthcare system is advanced, sometimes the very latest or leading treatment options are only available overseas. With Global Treatment you can: Access the treatment you need, wherever it s provided Explore all avenues to find the best solution Receive treatment at world-renowned hospitals Have all your travel and accommodation costs covered. At a difficult time, Global Treatment could open doors to more options, giving you greater choice and access to high quality treatment options. Fracture Cover At an additional cost of only 2 per month, our fracture cover option can: Give you the reassurance of knowing you ll receive a cash sum of up to 2,100 if you suffer one of 18 specified fractures in any 12 month period Help you pay towards unexpected costs, such as taxi fares or additional treatment. Best Doctors is a registered trademark of Best Doctors, Inc. in the United States and other countries. Used with permission. 7
8 Mortgage Payment Protection Insurance, Buildings and Contents Insurance and Landlords protection are provided by AXA Insurance UK plc.* These products are available through Countrywide s MortgageCare, Home Protection Plan and LetsProtect packages. Life Cover, Critical Illness Cover and Income Protection are provided by Friends Life and Pensions Limited **. These products are available through Friends Life Individual Protection. *Cover is underwritten by AXA Insurance UK plc, Registered in England No: Registered Office: 5 Old Broad Street, London, EC2N 1AD. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services register number This can be checked on the Financial Conduct Authority s website at or by contacting them on Terms, conditions, limitations, exclusions and eligibility criteria apply. A copy of the policy wording is available on request. Inter Partner Assistance SA is a Belgian firm authorised by the National Bank of Belgium and subject to limited regulation by the Financial Conduct Authority. Details about the extent of its regulation in the UK by the Financial Conduct Authority is available on request. Inter Partner Assistance SA firm register number is This can be checked on the Financial Services Register by visiting the website or by contacting the Financial Conduct Authority on **Friends Life and Pensions Limited An incorporated company limited by shares and registered in England and Wales, number Registered office: Pixham End, Dorking, Surrey RH4 1QA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be recorded. Friends Life is a registered trade mark of the Friends Life group. Please note that for insurance policies, terms, conditions, limitations, exclusions and eligibility criteria apply., Countrywide House, Caldecotte Lake Drive, Caldecotte, Milton Keynes, Buckinghamshire, MK7 8JT M0675 (03/15) 8
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