To be eligible for cover you must

• Be aged between 18 and 60;
• Be able to register as unemployed within the United Kingdom;
• Be living in the property named on your proposal (if applying for Mortgage Protection)
• Live and work in the United Kingdom;
• Work for more than 16 hours each week and have done so continuously for the past 12 months;
• If applying for Mortgage Protection you must already have, or be in the process of acquiring, a mortgage.
• Not have been registered as unemployed within the last 12 months
• Not be using your mortgage or loan for commercial purposes, including Buy to Let Mortgage (if applying for Mortgage Protection)
• Not protect more than 50% of your gross monthly income for Mortgage Protection or 60% of your net monthly income for Income Payment Protection to a maximum monthly benefit of £2,000.
• Not be in work that is casual, temporary or seasonal in nature or unemployment is a regular feature of your particular job
• Not be self employed
• Not be aware of any impending unemployment that affects you
• Not be acting as a guarantor on the mortgage or loan (If applying for Mortgage Protection)

If any of the below apply to you this may affect your cover so please seek further advice on the site or call the help line 0845 888 6667 for advice.

• If you are on a fixed term contract                     
• If you have a pre-existing condition (see Exclusions link at bottom of the page under Policy Documents)
• If you are currently unable to work due to a disability (excluding any maternity leave, paternity leave, adoption leave or parental leave)
• You already have unemployment and/or incapacity insurance;
• You anticipate working outside of the UK for longer than 90 days (not relevant if working with the British Armed Forces or as a civil servant in a British embassy or Consulate.