Payment Protection Insurance

Please read these terms and conditions, and the policy summary document before you buy Payment Protection Insurance.

Download the Payment Protection Insurance policy terms PDF Payment Protection Insurance Policy Terms (PDF document)

Last updated: April 2009

Download the Payment Protection Insurance policy summary PDF Payment Protection Insurance Policy Summary (PDF document)

Last updated: June 2009

Policy cover and benefits

  • The policy provides a settlement figure up to £10,000 in the event of your death
  • If you have an accident or become sick, we could pay your premiums up to £1,000 a month
  • If you become unemployed, we could pay your premiums up to £1,000 a month
  • We could pay up to 12 monthly premiums, or to the end date if earlier, if you become a carer

Policy exclusions

Your payments will not be covered if your sickness, accident or unemployment results from:

  • Voluntary unemployment
  • Unemployment you are aware of at the start of cover
  • Suicide
  • HIV or AIDS
  • Military, naval or air service outside the UK
  • Self-inflicted means such as alcohol consumption or drug abuse, dependence or self-harm
  • Pre-existing or chronic conditions
  • Normal pregnancy or childbirth-related conditions
  • Psychotic or psychoneurotic illness, mental or nervous disorder, stress or stress-related conditions

Cancelling payment protection insurance

You will have a right to cancel your payment protection policy and receive a refund for a period of 30 days from the date you receive your policy documentation (unless there has been a claim). This refund will be subject to a charge for the period of cover you have received, plus our reasonable administration charges.

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Payment Protection Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA). You can check the FSA Register or contact the FSA on 0845 606 1234.

Payment Protection Insurance is underwritten by St Andrew's Life Assurance plc (registered in England number 3104670) and St Andrew's Insurance plc (registered in England number 3104671). Both with head offices at: 1 Lovell Park Road, Leeds, West Yorkshire LS1 1NS.