When choosing mortgage protection it can be confusing to decide on what type of cover you need. We provide the option to delay your pay out for up to 180 days after you have become ill, had an accident or become unemployed.

If you work in the public sector for the government for example you will probably find that you are entitled to sick pay that can cover your for several months. If this is the case you wouldn't need cover for the time that you are covered by your employer.

By selecting cover for says 30 days, 60 days or more then your policy premium will be reduced so this can make cover even cheaper.

If you become unemployed you are unlikely to receive a benefit from your employer so in most cases you can leave the back to day one cover in place.

Back to day one income protection basically means that you are covered in the event of a claim (subject to acceptance) back to the first day you stopped working.

For example if you stopped working on the 1st July and went back to work on the 1st September you would be entitled to payment from the 1st July.

Back to day one means going back to the day that you became unable to work. There are policies and options that allow you to negate this option so you can reduce your premium. In other words you could choose a 30 day grace period where you wouldnt receive payment.

For example if you stopped working on the 1st July and went back to work on the 31st of July you would receive no payment at all.