The Ins And Outs Of Loan Payment Protection Insurance

Loan payment protection insurance is sold under different names, including loan cover, loan protection, loan insurance, and ASU insurance. Whatever the name, it does the same thing, and that is it will cover your loan repayments up to a predetermined amount if you should lose your income by being out of work through accident, long term sickness, or unemployment.

However, loan payment protection insurance isn’t suitable for everyone. Some exclusions could stop you from claiming that many who bought their cover either knowingly or unknowingly found they have mis-sold their policy after taking it alongside their loan from the high street lender.

If you want the safety net that loan payment protection insurance can give, you must purchase the cover wisely and understand the many exclusions that can stop you from claiming the policy. It is also essential that you realize that premiums for the body vary widely from provider to provider, which can add thousands to the cost of the loan and turn what was a cheap loan into a costly one after the cost of the protection is added onto it.

A specialist standalone provider will typically be able to provide the cheapest loan payment protection insurance premiums for a quality product and your peace of mind. Historically, the high street banks and lenders charge way over the odds for loan payment protection insurance. That is why you must shop around for the cover.

It could give you valuable peace of mind and stop you from getting into serious debt problems if you didn’t have the money to meet your monthly loan repayments. It does, however, have to be given careful consideration that it does meet your circumstances. If you are self-employed, retired, or suffer from a pre-existing medical condition that would keep you off work. A loan payment protection insurance policy probably wouldn’t be in your best interests.

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