Ant Insurance, has never compromised on quality to provide the lowest possible market rate.  We prefer to provide the highest quality of cover and take lower commissions to enable us to offer our competitive rates. We believe it is the quality of the cover that will protect you when you need it most.

As pioneers of the first standalone payment protection policy, we are now in our 10th successful year selling online. We realise that, given the economic climate, you need a small price but more importantly you need a strong policy and that is why we have teamed up with Columbus Direct to offer you a policy with the following:

First month Free: There is no premium deducted for the first month.

Cover up to:  £3,000 or 90% of your net monthly income.

Unemployment Only:  You can purchase unemployment only or combine it with accident and sickness.
 
Back to Day 1 cover: This means that you can make a claim after just 30 or more consecutive days of loss of income due to not working through accident, sickness or unemployment. The claim will then be backdated to the first day of the 30. In addition, at a cheaper premium, we can offer you protection from Day 30 or day 60 with claims being paid as of the 61st or 91st day of consecutive loss of income.

Age banded premiums: The premium for this cover varies with age but provided you ensure that the premiums are paid on time the premium you pay is always based on the age you had attained at the start date.  This means you effectively gain a discounted rate if you retain the cover through the age bands.

Exclusion period: This policy has one of the shortest initial exclusion periods in the market. This policy does not exclude dismissal for misconduct, dishonesty or failure to hit sales targets so long as you are signed on at the Jobcentre and in receipt of Jobseeker's Allowance.


Common Exclusions that DO NOT apply to this policy

• Hobby or job exclusions
  
  
• Backache exclusion
  
  
• Cosmetic or elective surgery exclusion
  
  
• HIV or Post-Viral disability exclusion
  
  
• Dismissal exclusion
  
  

Safety in purchasing: Ant Insurance believes that customers must feel confident that the product they are purchasing will protect them should they lose their income.  Over the last few years, whilst buying online has been very beneficial for some, it has proved disastrous for many who did not fully understand the Policy and therefore found themselves unable to claim when they needed it most.

Therefore Ant Insurance, for the benefit of customers, are now paving the way for safer purchase of online payment protection by intentionally no longer offering the option to purchase directly on line.

Instead we allow customers time to review the policy details and information online but actually purchase it after speaking to a human being whose specific role will be to help clarify any queries the customer may have about the policy and ensure that it is the right one for their requirements before they arrange the purchase for them.

You will not speak to a call centre, rather a dedicated operative fully conversant with the policy, at a day and time of your choosing.
Every policy comes with a 30 day money back guarantee and premiums are paid exclusively by monthly direct debit. There are no fixed contracts and you can cancel at any time with only one months notice.

If you already have a policy with another provider it really couldn’t be easier to transfer and there are absolutely no charges or arrangement fees.

Ant Insurance is a trading style of FIUK.com Ltd.  Please see our FSA status page.

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