Life Insurance - Free Life Cover

When you take out our Life Insurance or Decreasing Life Insurance we include Free Life Cover at no extra cost if you are moving home.

You'll get Free Life Cover if you die between exchange of contracts and completion of your property purchase. Free Life Cover will be the amount of your chosen amount of cover, the amount of your loan or £300,000, whichever is lowest.

In Scotland we provide the free cover from when you complete missives for your chosen property until the date of entry. We cover you for 90 days from when you exchange contracts (or in Scotland complete missives). 

To be eligible for this cover the following conditions must apply:

  • you're under 55 when you take out the mortgage (for joint policies, you must both be under 55)
  • you've been accepted on standard terms
  • the exchange of contracts (conclusion of missives) has taken place
  • no other policies for the same mortgage can be in force or applied for
  • you must tell us if there are any changes before completion

If you make a successful claim under Accidental Death Benefit, Free Life Cover or your Life Insurance or Decreasing Life Insurance  itself, we'll only pay out once. 

Need help?

Call us on 0800 316 55910800 316 5591
8:30am to 7pm Monday to Friday
9am to 1pm Saturday

We may record and monitor calls.