Mortgage Payment Protection

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1 Prospectus and Summary of Cover Mortgage Payment Protection Underwritten and administered by Pinnacle Insurance plc

2 Protecting your mortgage Now is the time to think about securing your home and the comfort it gives you, should your personal circumstances take a turn for the worse. No matter how secure you might currently feel in your work, or with your health, things can change, yet, you still have your mortgage to pay. Consider Would the Government help? Don t rely on it. Income Support benefit rules may mean that you are not entitled to any help from the state towards your mortgage repayments if you are unable to work due to an accident or sickness or if you become unemployed. For example, even if you are eligible, you won t receive any help with your mortgage repayments for the first 13 weeks and even then, only on the interest of your loan up to 200,000. Security when you need it most Most of us are likely to suffer one of life s knocks at some time over the term of a mortgage, but now there s an easy way to soften the blow of losing your income. Mortgage Payment Protection offers cover for your mortgage payments in the event of accident, sickness or unemployment - meaning one less thing to worry about. Would my company support me? Do you know if your employer will give full sick pay if you re off work, and for how long? What sort of redundancy package is provided? Accident, Sickness and Unemployment cover will help to provide peace of mind - knowing that your mortgage payments will be met, if the unexpected should happen. However, the flexible nature of our cover allows you to protect your home and your lifestyle in the most effective way possible. For example, we can offer Accident and Sickness only cover if this better suits your circumstances. Cardif Pinnacle's Mortgage Payment Protection insurance product has been awarded the maximum 5 Star Rating for quality of cover by Defaqto, an independent market research company. 1

3 How much cover should I have? So, how does Mortgage Payment Protection work? In the event of falling ill, having an accident or losing your job, Mortgage Payment Protection will: start paying after you have been off work for 30 consecutive days; pay your benefits monthly for up to 12 months (or six months if you choose this option for a lower premium). Benefits on Mortgage Payment Protection are paid monthly in arrears. The benefit is calculated daily as 1/30 th of the monthly benefit, starting after 30 days. There is no payment for the first 30 days of any claim unless you choose Back to Day One cover. If you have chosen Back to Day One cover then you will receive a full monthly benefit payment at the end of the first 30 days of a claim. Thereafter, benefit will be calculated as shown above. You can cover just your basic mortgage payments, or you can choose to extend your cover to include other mortgage related expenses, such as life assurance premiums linked to your mortgage, buildings insurance and mortgage protection premium. The limit for mortgage related expenses is up to 25% of your monthly mortgage payment or 200 (whichever is the greater) and there is an overall limit of 2,000. As an illustration Mortgage Payments 750 Household Insurance 50 Life Assurance 50 Monthly Benefit required 850 Protection for both you and your partner If you have a joint mortgage, you can even choose to have the benefits divided between you and your partner. If one of you needs to claim, the policy will pay a percentage of the total benefit stated on your application form. Extra hospitalisation cover If you take out Accident, Sickness and Unemployment cover or Accident and Sickness cover you automatically receive additional hospitalisation cover. This means that, if you are hospitalised as an inpatient for three days or more, we will start to pay your claim from day four. This is not standard in many other policies. 2

4 3 Am I eligible for cover? You can take our Mortgage Payment Protection if: you are over 18 and under 65; you work and live in the United Kingdom, the Channel Islands or the Isle of Man (including working for a United Kingdom registered company in the European Community Countries for not more than 180 days a year); you are making, or are about to start making payments under a mortgage agreement for a property to be occupied as your main residence; you are up to date with your mortgage payments; you have been for the last six months, and currently are, in permanent paid employment or self-employed for 16 hours per week. Fixed term contract workers must have been continuously employed by the same employer for at least a year and, in addition, their contract needs to have been renewed at least once in the past or they need to have been employed by the same employer for at least two years. If the above apply to you, simply ask us for a quote and we can set up the policy with your mortgage. Claims Support Programme If you have an unemployment claim we will provide you with a Job Finder Guide and access to our Claims Support website (www.support.cardifpinnacle.com), which will help you in your job search. You may also be offered access to a CV rewriting service, a CD Rom, employment workshops and telephone support service. If you have a disability claim we will provide you with our Claimant Health Guide. You will also have access to our Claims Support website (www.support.cardifpinnacle.com), which will assist you with health updates and general information on your condition. So, don t leave your family s security to chance... For a small daily cost, Mortgage Payment Protection cover might just turn out to be your smartest purchase!

5 Summary of cover Important - you should read this This document provides a summary of the significant features, benefits and limitations of the cover provided by the Mortgage Payment Protection insurance policy. The full terms, conditions and exclusions are shown in the policy document GP Insurer: Pinnacle Insurance plc A1 Barnet Way Borehamwood Hertfordshire WD6 2XX United Kingdom Pinnacle Insurance plc is authorised and regulated by the Financial Services Authority. Cardif Pinnacle is a trading style of Pinnacle Insurance plc. Policy Type Mortgage Payment Protection is a general insurance product to cover your mortgage repayments in the event of disability (accident or sickness), hospitalisation or involuntary unemployment. Features and Benefits Eligibility To be eligible you: must be at least 18 and less than 65 years of age; must work and live in the United Kingdom, the Channel Islands or the Isle of Man; must be in full time employment or selfemployment for the last 6 months; must have or be applying for a mortgage for a property you will occupy as your home. If two people are eligible under this policy then joint cover may be selected, each person will then be covered for the amount of the monthly benefit chosen, this is shown in your schedule of cover. Benefits Protects your monthly mortgage payments (and associated bills if chosen) if you are unable to work following accident, sickness, hospitalisation or involuntary unemployment. Benefit for disability and unemployment is calculated at a rate of 1/30 th of your chosen monthly benefit for each day you are off work following the first 30 days, so you would receive a payment even if you return to work part way through a month. Provides up to 25% or 200 (whichever is greater) above your monthly mortgage payment to cover additional expenses such as monthly buildings insurance and life assurance premiums. Total maximum monthly benefit is 2,000. Your disability and unemployment benefit will start being calculated from the 31 st day. If you chose Back to Day One cover then for disability and unemployment claims you will receive a full monthly benefit payment at the end of the first 30 days of a claim, thereafter benefit will be calculated as above. Benefit for hospitalisation is calculated at a rate of 1/30 th of your chosen monthly benefit for each day you are off work following the first 3 days, so you would receive a payment even if you return to work part way through a month. 4

6 Benefits cont\... Your hospitalisation benefit will start being calculated from the 4 th day. You will receive benefit if you are unemployed as the result of becoming a carer if you can provide evidence that you are required to care for a member of your immediate family, are in receipt of Carer s Allowance and are not aware that it is a possibility that you will have to leave paid employment to become a carer prior to the start date of your policy. The level of cover can be altered at any time to reflect changes in your monthly mortgage payments or your circumstances. Benefits are paid tax free for up to 12 months. Cover can be continued if you move home or change lender, provided you still have a mortgage. Full details of all Disability, Hospitalisation & Unemployment Benefits can be found in Section headed The Cover What We Insure on page 5 of the policy booklet. Significant Exclusions Disability and Hospitalisation No benefit is payable in respect of: the first 30 consecutive days of disability or the first 3 consecutive days of hospitalisation (please refer to page 6 of the policy booklet); conditions you are aware of or should reasonably have known of, or for which you have consulted a doctor in the 12 months prior to the start date of your policy. However, this exclusion will not apply and we will pay the monthly benefit if: you have been continuously insured; and you have been symptom free and have not consulted a doctor or received treatment for the condition in the 12 months immediately prior to your claim. Please note that the start date means the date of completion of the agreement (i.e. the mortgage completion date) or the date we advise you are accepted for cover, if you apply for cover under this policy after the mortgage completion date. Full details of all Disability and Hospitalisation Exclusions can be found in Section headed The Cover What We Do Not insure on page 6 of the policy booklet. Unemployment No benefit is payable: that arises or you are notified of within 60 days of the start date if you applied for this insurance when taking out your mortgage or within 60 days of your mortgage completion date; that arises or you are notified of within 120 days of the start date if you applied for this insurance more than 60 days after your mortgage completion date. If, immediately prior to the start date, you have an existing policy providing cover in the event of disability or unemployment with a company other then us, and that policy is cancelled in place of this one, the previous two exclusions will not apply; for the first 30 consecutive days of unemployment; if you receive notice (oral or written) of unemployment within the initial exclusion period (as stated in your schedule of cover) of the policy start date; if unemployment is a normal or seasonal occurrence, or follows a period of casual or temporary work; if at the start date of this policy, you are aware of impending unemployment; if unemployment occurs after the expected end of a fixed-term contract (please see Special Note under Section Settling A Claim of the policy booklet); if unemployment occurs whilst working outside the United Kingdom, the Channel Islands or the Isle of Man; for voluntary redundancy or misconduct; if you are self-employed and have not ceased trading. Full details of all Unemployment Exclusions can be found in Section headed The Cover What We Do Not insure on page 6 of the policy booklet. 5

7 General Exclusions Disability, Hospitalisation and Unemployment No benefit is payable: self- inflicted injury; being under the influence of alcohol or drugs; stress, anxiety, depression or mental or nervous disorders; backache or related conditions, unless supported by medical evidence such as an X-ray or CT scan. Full details of all General Exclusions can be found in Section headed The Cover What We Do Not insure on page 7 of the policy booklet. Policy Duration This is a monthly contract starting from completion of your mortgage or the date we advise you are accepted for cover as shown on your schedule. You should periodically review your policy and circumstances to ensure you have appropriate cover. Payment Premiums are payable monthly by Direct Debit. Cooling off and Cancellation Cooling off period You may cancel this cover by returning the policy and schedule to us within 30 days of receiving it. If you have not made a claim under this policy we will cancel the policy and refund any premium(s) paid. Thereafter you may cancel your cover under this policy either by telephoning us or by giving us written notice, in which case no refund of premium will be due. Claims Notification If you wish to make a claim you can obtain a claim form by: telephoning ; or writing to: Claims Department PO Box 563 Borehamwood Hertfordshire WD6 2YQ How to Complain If you have a problem with the service you receive, you can write to: Customer Relations Manager PO Box 563 Borehamwood Hertfordshire WD6 2YQ If we cannot resolve your complaint to your satisfaction you may be entitled to complain to the Financial Ombudsman Service. Compensation Pinnacle Insurance plc is covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet our liabilities you may be entitled to compensation from the FSCS. Further information is available from their website: 6

8 KF2802v2 ~ 12/1/2009 This insurance is underwritten and administered by Pinnacle Insurance plc, a member of the Financial Ombudsman Service (FOS). Pinnacle is authorised and regulated by the Financial Services Authority (FSA). Pinnacle Insurance plc Pinnacle house, A1 Barnet Way Borehamwood, Hertfordshire WD6 2XX Registered in England and Wales Number Cardif Pinnacle is a trading style of Pinnacle Insurance plc.

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