Insurance

Payment insurance - exclusions

Our Mortgage Payment Insurance offers you extensive cover, but the following exclusions apply:

  • No payments for the duration of the wait period (30 or 60 days, whichever has been selected).
  • No cover for unemployment occurring within 60 days of the start date of the insurance policy*. If cover is arranged after the mortgage has started then there is no cover for unemployment occurring within 120 days of the start of the insurance policy*.
  • Any physical or mental condition known about or that should reasonably be known of on the start date of the policy, or for which treatment or advice has been received during the 12 months prior to the start date.*
  • Carer cover claims will not be accepted if you know that a member of your immediate family would require a carer at the start of the policy or if you apply for a carer's allowance or are notified of receipt of carer's allowance within the first 60 days of the start date of the policy.*
  • Any chronic or continuing disease suffered on the start date of the policy
  • Unemployment resulting from employment that is seasonal, casual, temporary or occasional.
  • Unemployment known about or that should have been reasonably known of at the start date.
  • Unemployment which is voluntary or resulting from misconduct.
  • The influence or effect of alcohol or drugs (unless prescribed by a doctor).
  • Normal pregnancy and childbirth.
  • Wilful exposure to danger and self inflicted injuries.
  • War and similar risks.

* If you currently have Mortgage Payment Protection Insurance with another provider and you arrange cover without any break or change in cover, then insurance will continue uninterrupted and the exclusions marked '*' will be applied from the start date of your original policy. You will be asked to provide evidence of your existing Mortgage Payment Insurance cover so we may validate your current cover details.

Please note:

This is only a summary of the cover and exclusions that apply. Please refer to the Mortgage Payment Insurance policy wording for full details of policy cover, terms, conditions and exclusions.

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Yorkshire Building Society is one of the largest building societies in the UK. We offer a range of financial products and services including: savings & investment accounts, insurance products, loans, mortgages and more.

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Yorkshire Building Society is authorised and regulated by the Financial Services Authority (FSA).