Payment Protection Insurance

Our Payment Protection policy is designed to protect mortgage payments, rental payments and/or loan payments in the event of unforeseen unemployment and/or suffering an accident or sickness.

There are three types of cover available:

  • Unemployment only cover

  • Accident and Sickness only cover

  • Accident, Sickness and Unemployment

The premium will depend on the amount of cover required, the type of cover chosen and the selected length of time before benefits start being paid.

You can transfer Payment Protection cover from another provider to 3XD with guaranteed continuity of cover providing that the previous policy has been held for at least six months and no claims have been made under the previous policy in the two years before the new 3XD policy start date. Exclusions may apply.

The premium is guaranteed for each year of cover and will be reviewed annually. This means that the price won't change at short notice so can be budgeted for accordingly. The prices charged depend on the overall cost of claims and are not linked to your individual circumstances.

Please refer to the Policy Document for the full terms and conditions, which is available upon request.