General Insurance
Halifax Home Insurance
Insurance is underwritten by St Andrew's Insurance Plc.
Interest is charged on the premium at the variable rate applying to the mortgage when the premium is debited to your client 's mortgage account and paid monthly.
Mortgage Repayments Cover
Insurance is underwritten by Halifax Insurance Ireland Limited.
Personal Loan Repayment Protection
Main exclusions:
- Please note that all cover ceases at the age of 65.
- Disability due to: normal pregnancy, pre-existing medical conditions of which a customer was aware of 12 months before the start of your loan; backache and related conditions unless there is radiological evidence of disability. Psychiatric illness or stress related conditions.
- Unemployment, which occurs: within 60 days of the start of the customer's loan or after less than 12 months continuous employment. At the end of a fixed term contract unless it is established practice to employ staff on fixed term contracts and renew them on the same terms. As a result of working abroad, seasonal work, resignation, dismissal due to misconduct, voluntary redundancy or retirement.
- Life benefit: is not payable if the customer commits suicide within 12 months of cover starting or if their death results from any accident, sickness, or disease which they were aware of before cover started.
