If you think the unexpected always happens to someone else, THINK AGAIN!

The team at protection.uk.net has over 30 years experience providing payment protection solutions; we strive to deliver the best value insurance products we can for our customers.

First Call Payment Protection Ltd has launched a number of sites to enable us to offer the benefits of our protection to everyone in the UK with easy access on the net.

No one knows what the future holds, if affected by accident, sickness or unemployment and unable to work, many of us would be unable to avoid a financial crisis within the first month if we lost our income.

Did you know that overall, it is estimated that more than one in three people will develop some form of cancer during their lifetime (Cancer Research UK).

Protection.uk.net has been launched to provide a range of products to help overcome the uncertainty that being unable to work can cause and enable you to meet your financial obligations

32% of people made redundant would fail to meet their current living expenses in the first month, with one in 6 defaulting immediately (TNS Omnibus).

Striking Numbers

How would you cope financially if you lost your job, fell seriously ill, or had an accident?

Our great value Payment Protection Insurance helps you plan for the unexpected and comes with added extras you won't always find with other insurers!

Social Security benefits - the uncomfortable truth!

If you earn on average £95.00 or more per week, your Statutory Sick pay entitlement is only £79.15 per week. Could you and your family survive on £342.98 a month?

WWW.PROTECTION.UK.NET

www.protection.uk.net has been launched to provide access to a range of products to help overcome the uncertainty that being unable to work can cause and enable you to meet your financial obligations

Our on-line quotes are quick, free and easy to use, the product solutions we offer are available to anyone, providing they comply with the policy terms and conditions.

We do not offer any advice or recommendation - you are free to choose the product that suits your needs. However during our on-line process we will ask you some questions that will be used to narrow down the selection of products that we will provide details on.

The insurance cover is provided by Ageas (formerly known as Fortis) Insurance Ltd. Ageas is an international insurance company with a heritage spanning more than 180 years. Ranked among the top 20 insurance companies in Europe, Ageas has chosen to concentrate its business activities in Europe and Asia, which together make up the largest share of the global insurance market. They are grouped around four segments: Belgium, United Kingdom, Continental Europe and Asia. It is an undisputed leader in the Belgian market for individual life and employee benefits, as well as a leading non-life player, through AG Insurance. Internationally Ageas has a strong presence in the UK, where it is the third largest player in private car insurance. The company also has subsidiaries in France, Germany and Hong Kong. Ageas has a track record in developing partnerships with strong financial institutions and key distributors in different markets around the world and successfully operates partnerships in Luxembourg, Italy, Portugal, China, Malaysia, India and Thailand. Ageas employs more than 11,000 people and has annual inflows of almost EUR 16 billion.

We will be happy to answers any questions you may have and would encourage you to ask us by email or phone about anything that is unclear before you take out cover.

enquiries@fcppl.co.uk or 0844 391 6965 *

www.protection.uk.net at a glance:

Accident, Sickness & Unemployment Cover

Designed to cover your monthly financial commitments!

Cover options are:

We have a range of waiting periods available;

We have a range of waiting periods available;

Product Options;

Benefits; Applicable to all payment protection products

ABOUT US

www.protection.uk.net is dedicated to offering products designed to help you maintain your standard of living in the event of a personal or family crisis.

We have over 30 years dedicated experience offering insurance protection products.

Our aim is to provide financial protection and peace of mind that "the bills" can be paid when circumstances beyond your control could otherwise affect or even threaten your normal way of life. The best products we can find are passed on to our clients at the lowest price we can achieve.

We are all likely to suffer or fall victim to an Accident, Sickness or Unemployment at some point in our life. Many people do not know the type of financial protection we offer is available, some people are happy to take the risk of not having any financial protection at all !

Just ask yourself the following questions, it might help you decide if any of our products would help you in a financial crisis?

Trials & Tribulations! Hopefully you are happy / comfortable with your financial arrangements and believe you are now able to manage your finances through an accident, sickness or unemployment crisis? We will be offering the following range of cover to help support you through some of the other events life has a habit of throwing at us. Please take a few minutes to consider these options and contact us if you require more information.

This range of life support products, which, for different reasons are the best we can offer, we believe they complement our main protection products by extending the level of support provided when it is most needed or they just make sense to consider.

Life support products; (coming soon)

Our products. Why are we bringing these products together? We believe that each of them offer a real level of protection against the unforeseen / unexpected events which can knock our lives / plans off course. They are all stand alone products but some of them also work well together to provide an even wider range of protection. In each case we strive to offer the best product we can for the lowest price. You may find a cheaper product, you might even find a better product, but we are sure you are unlikely to find a better product than ours that will cost less. We are also sure you will find many similar products that cost a lot more!

We offer these products because you never know when you are going to need them, life is like that! Hopefully you never need the protection we offer, but like all protection products you have to consider how you would cope if didn't have any protection at all?

FREQUENTLY ASKED QUESTIONS

Below is a collection of frequently asked questions about First Call Payment Protection Insurance Limited product range.

What is Payment Protection Insurance (PPI)?

A typical Payment Protection Insurance policy (sometimes referred to as ASU - Accident, Sickness, Unemployment) will pay (protect) your repayments after your income/salary stops due to Redundancy / Unemployment, Accident / Disability or Sickness and continues to pay for up to 12 months.

First Call Payment Protection Ltd offers a range of protection products which include;

Do I have to buy Payment Protection Insurance from my mortgage / loan provider?

You certainly do not have to buy Payment Protection Insurance from your own lender! You are free to buy the most competitive suitable Payment Protection Insurance product to meet your needs from any provider.

Is it easy to apply for First Call Payment Protection Insurance?

Yes, it is very easy. Simply get your Payment Protection quote, decide on the waiting period you need, think about how you would manage your finances for before the Payment Protection starts to pay your mortgage / loan / rent / bill’s and then complete the online application form.

Should I buy Payment Protection Insurance (PPI - ASU)?

Payment Protection Insurance (PPI – ASU) can provide worthwhile cover against unexpected changes in your personal circumstances, but bear in mind and make sure you clearly understand the limitations and exclusions that apply to the Payment Protection policy.

You cannot rely on state help to cover your mortgage or other payments / financial commitments if you cannot work. For mortgages taken since October1995 there is no help for the first nine months of unemployment or disability. Even if you took out your mortgage before October 1995 state help is only available if you qualify for Income Support.

What is the Payment Protection waiting period?

The date when Protection Payments begin will depend on the waiting period you have selected.

The Payment Protection waiting period is the length of time you have to wait before you can make a Payment Protection claim and determines when the monthly benefit can be paid / received under the terms of the policy.

Please note ‘0 Days’ waiting period is sometimes referred to as ‘Back to Day 1’ cover

What is the Payment Protection initial exclusion period?

For First Call Payment Protection Insurance (PPI / ASU) the initial exclusion period only applies to Unemployment claims and it states the time during which you can not make a claim. The 1st 120 days are excluded from the start date of the Payment Protection Insurance cover.

What is the difference between the waiting period and the initial exclusion period?

The waiting period is chosen by you and is the length of time that you will have to wait before you can make a Payment Protection claim. Your choice will determine when the monthly benefit can be paid / received under the terms of the policy.

The initial exclusion period is something that applies to all Payment Protection Insurance (PPI – ASU) policies regardless of the provider. However it only applies at the start of the contract and it states the period during which no claim can be made.

How will I know what I'm covered for?

You should read the key facts policy summary and the policy document which are available to read or download on our website.

These documents set out, amongst other things, the main features and benefits of the Payment Protection policy as well as any significant or unusual exclusions and how long the cover lasts.

If anything is unclear please ask us enquiries@fcppl.co.uk or call 0844 391 6965 * and make sure you're happy before you take a policy out!

I have an existing medical condition. Will I be able to take out First Call Payment Protection Insurance?

Yes, but you will not be able to make a claim for a medical condition you were aware of, or should have been aware of, existed at the time you took out the policy, or within the previous 12 months i.e. a pre-existing condition, unless certain conditions are met. However you will be able to claim for other illnesses that occur after you take out the policy.

Can I cancel the First Call Payment Protection Insurance policy if I change my mind?

You can cancel the Payment Protection policy within 30 days of taking it out and get a full refund of any money paid.

After 30 days from the start date of your policy you may cancel at any time by giving 30 days’ notice to First Call, in which case as premiums are paid monthly there will be no refund of premium paid.

How long can I claim for?

You can continue to claim for up to a full year (12 payments) or 6 months (6 payments) if you have selected the shorter option.

When will my First Call Payment Protection Insurance policy finish?

Your cover is valid for as long as you maintain your monthly premium payments but it will end when:

What if my circumstances change?

Any changes in your circumstances should be advised to First Call Payment Protection Ltd at the earliest opportunity. The amount of benefit you receive in the event of a claim is linked to your normal income and other elements of your personal circumstances depending on which Payment Protection Policy you have selected.

Changes in circumstances could mean a change in the terms of the cover provided or the evidence of claims required. Failure to notify First Call of any changes may affect any claim you may make in the future.

In the event of an undisclosed reduction in salary becoming known at the time of a claim, any over payment of premiums will be reimbursed.

What if I already have an existing Payment Protection Insurance policy?

If you have an existing payment protection policy you can transfer to First Call Payment Protection. We will waive the initial exclusion period providing you meet the following conditions:

Your existing policy has been in force for more than 6 months, is still active and has not been cancelled

It is important that you DO NOT cancel your existing policy until your application for First Call Payment Protection has been accepted and policy documents have been issued.

In the event of a claim you will be asked to provide evidence of your previous Payment Protection Insurance policy.

What additional costs can I include?

You can insure up to 150% of your current mortgage / rent payment to include additional costs such as life insurance and home insurance premiums associated with your mortgaged / rented property and your utility and council tax bills (100% mortgage 50% additional costs). However the maximum monthly benefit you select can not exceed;

50% of your normal monthly income
OR
£2,000 per month
Whichever is the lower.

If I make a claim is the payment made directly to me?

Yes. For a successful claim the monthly benefit will be paid directly to you. It is not tied to your mortgage / loan provider.

Will the First Call Payment Protection Insurance cover a joint mortgage / loan / lease?

Yes. First Call Payment Protection Insurance applies to an individual not to a mortgage / loan and is based on the applicant’s own circumstances. Cover can not be split to apply to more than one person. If 2 or more persons wish to be insured each person must make a separate application.

Can I change the amount of monthly benefit after my Payment Protection policy starts?

Yes, it is important that you notify us of any changes to your circumstances and we would encourage you to do so.

The monthly premium that you pay will be adjusted accordingly and it will include Insurance Premium Tax (IPT) at the current standard rate.

The amount of benefit you receive in the event of a claim is linked to the amount of your mortgage / loan / lease amount and your normal income. In the event of an undisclosed reduction in salary becoming known at the time of a claim any over payment of premiums will be reimbursed.

Can I apply for cover if I have more than one job?

Yes, you can still apply for cover. However to be eligible to claim unemployment benefit you must be:

My employer has just announced redundancies; can I still apply for cover?

You can still apply for cover however if you are aware or it is common knowledge that your employer has announced plans to be acquired by, acquire or merge with another organisation, restructure their business or has announced redundancies are likely, we must bring to your attention that you ability to claim for unemployment will be affected. Please refer to the policy wording Section D exclusion 6.2 – 6.3

I am self-employed; can I still apply for cover?

Yes, you can apply for cover. For clarification we have defined Self Employed as meaning you are working alone, or in partnership with others in the UK for remuneration or profit, registered with HMRC as Self-Employed, and paying Class 2 National Insurance Contributions (or being credited in respect of such contributions) and being assessed for Income Tax under Schedule D Case I or II.

I am a contract worker; can I still apply for cover?

Yes, if you are employed on a fixed term contract providing:

You have been employed under that contract with the same employer for a continuous period of 24 months; or
You have been on a contract for at least 12 months and had the contract renewed at least once; or
You were originally employed on a permanent basis by your employer but were transferred to a fixed-term contract by that employer without a break in employment.

Can I claim for stress, anxiety, mental or nervous conditions?

Yes, if a Consultant certifies that the condition solely prevents you from working, claims will be considered.

A Consultant is a medical specialist who is a member of the Royal College of Surgeons, the Royal College of Physicians or any other Royal College of medical practitioners, and is recognised by that college to be a consultant other than you or a relative and who is working and practising in the UK.

Can I claim for a back related condition?

Yes, if there is radiological evidence of medical abnormality, a visible wound, contusion, or a Consultant certifies that the condition solely prevents you from working.

A Consultant is a medical specialist who is a member of the Royal College of Surgeons, the Royal College of Physicians or any other Royal College of medical practitioners, and is recognised by that college to be a consultant other than you or a relative and who is working and practising in the UK.

How can I make a claim?

In the event of a claim you should contact the Administrators, Advent Management Solutions Ltd, ask for a claim form and complete and return it to them as soon as possible.

The claims line is : 0845 241 2155

For a disability benefit claim you must arrange for your doctor and your employer to fill in the relevant sections of the form.

For a claim for unemployment benefit you must arrange for your previous employer and an official from the relevant Government Agency to fill in the relevant sections of the form.

What is the Jobcare: Back to Work Service?

The First Call Payment Protection Insurance includes a confidential and independent back to work advice programme called Jobcare. This service is free and is provided by employment specialists PMA Limited. The programme provides you and your immediate family living with you the following:

If you become unemployed our Advisers will give you practical help and guidance on how to achieve a speedy return to work.

Advisers will also send you a free guide to getting back to work including guidance on:

The service gives access to a National Job Vacancy Database that can be used to find jobs.

Career Change: help and guidance from the Advisers on identification of suitable skills to transfer into alternative employment opportunities.

The service is provided free to you and your immediate family and is available 8am to 8pm Monday to Friday and 8am to Noon Saturdays – simply call 0870 3304796 quoting ref PROTECTION UK NET

This service can be used at any time during your life of your Payment Protection policy.

What is the Annual Review?

We will review Your Payment Protection Policy annually, this is to ensure you are given the opportunity update / maintain the appropriate level of cover and any changes we wish to make will take effect from the anniversary of Your Policy Start Date each year. Following the review we can make changes to the Policy cover and/or terms and conditions of insurance to reflect changes in the cost of providing this cover in the future.

Premiums may go down or up, or remain unchanged as a result of this review. The Policy cover and terms may also change as a result of this review.

There is no limit on the size or type of these changes.

We will notify you in writing at least 30 days before the anniversary date of Your Policy Start Date each year.

The only exception to this would be in the event of a change in:

Law, regulation, taxation ; and/or
recommendation of an Ombudsman

Which we need to implement prior to the review.

Any review will not be directly affected by whether you have made a claim or not.