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Top Tips

• For covering a mortgage which is reducing in amount (repayment mortgage) ask for Mortgage Protection or 'Declining' cover. This is cheaper than level cover as the insured amount declines in line with the mortgage principal being reduced over time.
• Check the cost every couple of years as premiums are adjusted from time to time. Also an aggressive newcomer trying to buy market share may be cheaper than your current provider (even if you are older than when you started the cover). Remember you have no termination costs or losses in swapping companies just as you would when buying car insurance.
• Be wary of the illnesses covered by a contract. Contracts may be cheaper because the cover is not quite so comprehensive. Contracts vary considerably as regards terms and conditions (illnesses covered) so ask about the exclusions.