Taking on the commitment of long-term mortgage payments and the responsibilities of owning a property can feel like a huge financial burden.  To ensure that you can keep up with your mortgage payments in times of crisis, to provide financial protection for your family and to protect your home and its contents, the following products are available:

Accident, Sickness and Unemployment Insurance will cover your mortgage payments for up to 24 months.

Income Protection Insurance will provide replacement income if you were to become ill or disabled and unable to work long term.

Mortgage Protection Insurance will pay off your mortgage if you were to die or become terminally ill before the end of your mortgage term.

Critical Illness Cover can be included in your Mortgage Protection Plan or is available on stand-alone basis.  This will provide a lump sum to pay off your mortgage if you were to suffer a specified critical illness. The policy may not cover all definitions of a critical illness – for full definitions please see Key Features Illustration and Policy Documents.

Buildings Insurance covers your home against structural damage caused by fire, flood, subsidence and other causes and is essential as most lenders insist that such insurance is in place as a condition of the mortgage.

Contents Insurance covers the loss, theft or damage of the contents of your home, including personal possessions such as furniture, electrical goods, jewellery, mobile phones, cameras etc, with the option of including personal belongings away from home.

Buildings and Contents Insurance can usually be combined into one policy and can be extended to include Legal Expenses Cover, Home Emergency Cover and Identity Fraud Protection.

We'll help you choose the right Insurance package to suit your needs and to secure peace of mind for you and your dependents.

We're also able to provide Landlords' Insurance for Buy to Let properties, so please get in touch.

Accident, Sickness and Unemployment Insurance, Income Protection, Mortgage Protection, Critical Illness Cover, Buildings and Contents Insurance and Landlords' Insurance policies have no cash-in value at any time and will cease at the end of the term. Cover will lapse if premiums are not maintained.


Terry Humphreys Mortgage Services is an Appointed Representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority.

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