In order to qualify, customers must satisfy the following simple criteria at the start date of the cover:

• A UK resident
• Aged over 18 and under 64 (benefit ends at age 65)
• Actively in work for 16 hours or more per week and have been so continuously for the previous 6 months
• Not in casual, temporary or seasonal employment
• Not currently unable to attend your normal place of work due to an accident or sickness unless you are on maternity,
   paternity, adoption or parental leave
• If applying for mortgage payment protection insurance you must be a named party to a mortgage agreement on your
   main residence, which is not in arrears.

If any of the below apply to you this may affect your eligibility or claim

• If you are self employed, a contract or sub-contract worker or have more than one job> more                     
• If you have a pre-existing medical condition > more
• You already have unemployment and/or incapacity insurance > more
• You are aware of impending unemployment or disability.

You should tell us if your circumstances change, for example:

1. You start to live or work outside the United Kingdom; or
2. You voluntarily reduce Your hours of Work to less than 16 hours per week; or
3. You voluntarily cease to, or retire from Work; or
4. You hold any other unemployment and/or accident and sickness insurance; or
5. You change from employed to self-employed (or vice versa); or
6. You start to work on a fixed-term contract basis; or
7. You are no longer a named party to a mortgage agreement (on your main residence).

We will then advise you if you still remain eligible for cover under this Policy.