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Cashback of 10% of your first years premiums

At the end of the first year we'll refund 10% of your premiums paid up to a maximum of £200.

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I'm insured offers quotes from providers cheaper than if you were to apply direct.

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Using our market comparison tool you can get quotes from a wide range of insurers in a matter of moments. 

It’s an incredibly simple process as you don’t need to provide much more detail than your mortgage amount and period, your date of birth, your sex, and whether you are a smoker (or recent quitter.) Once you see the list of prices you can read full details on any policy before going on to buy it.

In many cases, the price available through us will actually be cheaper than you’ll find from going directly to the insurer in the first place. That’s because we don’t claim the full commission which the insurers offer to some comparison services to win business.

We also include the option to search for critical illness cover, which is a common add-on with mortgage protection policies. It means that if you develop a critical illness the mortgage protection policy will pay out immediately, meaning you don’t have to worry about being unable to pay the mortgage if and when you stop work for medical reasons.

You can also choose between single and joint policies. The latter is a little more expensive, but means that two people can be covered. The policy will pay out if either person dies before the mortgage term ends, though it only pays out once.

While our comparison tool is suitable for most customers, you may want to contact us for a custom quote if you have special circumstances. The most common of these is having a pre-existing health condition that could affect the premium an insurer offers you.

Before buying any mortgage protection policy, be aware of a couple of important legal points. It’s not a saving scheme and it isn’t classed as an investment. The policy only pays out if you die during the mortgage term, so it’s possible your beneficiaries won’t get any payout, or could receive less money than you’ve paid in. You also need to be aware that by taking out a policy you commit to paying all the premiums; if you stop paying, you won’t get any refunds and your cover will usually cease.

WHY CHOOSE US?

There’s also a range of possible add-on benefits that relate to illnesses.

These include payments to cover the time you spend in hospital, childcare costs while you are ill, and accommodation costs for your family if your child is in hospital away from your home area. Bear in mind that these add-ons only cover the listed critical illnesses, rather than general ill health or accidents.

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