Rent

Protect My Rent

Many tenants worst fear is missed payments and potential eviction, which is why Rent Payment Protection Insurance, that can protect against this in the event of accident sickness or involuntary unemployment is worthwile.

The Cover we provide is the Lesser of:

  • Up to 150% of your monthly rent repayments, or
  • Up to 50% of your gross monthly income, or
  • Up to £2,000 per month

Please read all our Important Documents before buying a product.

Designed to protect your rent payments in a crisis, this covers against your choice of accident, sickness or unemployment (ASU), giving you financial peace of mind against the unexpected. How would you cope financially if you were suddenly unable to work? Not only can we help protect you against the financial burden, but we also only provide protection insurance online so we can keep administration costs lower, meaning we can offer you value for money protection.

At First Call Payment Protection Ltd we offer payment protection policies online so we can keep administration costs lower and offer you the best value for money protection. Underwritten by Great Lakes Insurance SE, which is rated A+(superior) regarding financial strength & security



  • Step Change Debt Charity reported advising 331,337 new clients between January and June 2019, their busiest ever first half of a year. The biggest reasons for falling into debt were ‘experiencing injury or illness’ (16%), ‘experiencing a reduced income’ (18%) and ‘experiencing unemployment and redundancy’ (16%),.
  • In England and Wales, every day in Q3 2019, according to the Ministry of Justice, 309 landlord possession claims were issued and 241 landlord possession orders were made every day.
  • Source; TheMoneyCharity.org.uk 04-02-2020

So, if you would like to protect your income payments, get a COMPLETELY FREE QUOTE here. Please note, you will be transferred to our secure site.

What Are The Key Benefits

  • Tax free payment if you are unable to work
  • 100% free, no obligation quote

  • FREE to switch to us from an existing provider
  • All monthly benefits paid directly to you
  • Monthly premiums so you can talk to us about adjusting your benefit amount or you can stop cover at anytime

Excess Periods

The date when payment protection benefits 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.

In all instances you can not make a claim until you have been unable to work for 30 consecutive days.

Payment Protection Insurance comprises either accident, sickness and unemployment insurance (ASU) or accident and sickness insurance (AS) or unemployment insurance (U). If you are affected by an unexpected accident, or suffer sickness or involuntary unemployment (ASU) and as a result are unable to work, you may struggle to meet your financial obligations such as your mortgage or rent.

In today’s turbulent economic times the uncertainty of being unable to work and make your monthly payments can be extremely stressful, especially considering some of these striking numbers:

  • Step Change Debt Charity reported advising new clients between January and June 2019, their busiest ever first half of a year. The biggest reasons for falling into debt were ‘experiencing injury or illness’ (16%), ‘experiencing a reduced income’ (18%) and ‘experiencing unemployment and redundancy’ (16%).
  • Citizens Advice Bureaux in England and Wales dealt with 2,616 debt issues every day in the year to December 2019.
  • 115,000 people (1,264 per day) reported they had become redundant over the three months, June to August 2019.
  • It costs an average of £22.92 per day for a couple to raise a child from birth to the age of 18.
  • 76 mortgage possession claims and 45 mortgage possession orders were made every day in England and Wales in July to September 2019.
  • 309 landlord possession claims and 241 landlord possession orders were made every day.
  • Citizens Advice Bureaux across England and Wales answered 289,272 enquiries in December 2019.
  • Debt was, as usual, the second largest advice category with 56,563 issues, behind Benefits and Tax Credits (62,047). In addition, there were 48,697 calls about Universal Credit.
  • Source; TheMoneyCharity.org.uk 04-02-2020

It’s easy to think that the unexpected always happens to someone else, or that employment is totally secure, but the reality is that 32% of people who are made redundant would fail to meet their current living expenses in the first month, with 1 in 6 defaulting immediately. How would you cope financially if you lost your job, fell seriously ill, or had an accident?

  • Monthly premiums start from £12 (per £2000 of benefit per month) for accident and sickness
  • Monthly benefits of up to £2,000 available*
  • Benefits paid for up to 12 months
  • UK based claims service
  • No pushy sales people
  • Here to assist with any questions

All of the products we offer come with the option to protect against either accident and sickness (AS) or accident, sickness and unemployment (ASU) with a range of waiting periods available:

  • Back To Day One
  • 30 Day Waiting Period
  • 60 Day Waiting Period
  • 90 Day Waiting Period

Please note: the payment protection insurance waiting period is the length and 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. ie. back to day 1 cover means you are unable to work for a minimum of 30 days, we will pay you back to day 1 of the first day you were unable to work.

To find out more about the Payment Protection Insurance insurance cover we offer, please take a look at the Key Facts policy summary, available from our Important Documents page.

Many people purchase various types of insurance cover without giving it a second thought – from household and motor insurance to travel and health cover. However, many do not insure the thing that sustains their ability to live – their income. At a time of record high unemployment and limited government support for the unemployed and sick, PPI is not compulsory but is something almost all working individuals should at least consider.

All of the products we offer come with the option to protect against either accident and sickness (AS) or accident, sickness and unemployment (ASU) with a range of waiting periods available:

It is important to still consider this type of cover despite the recent “bad news” about mis selling of PPI by bank and other institutions.

PPI is designed to protect and fulfil a person’s ability to maintain their everyday financial obligations in the event they are unable to due to accident and sickness (AS) or accident, sickness and unemployment (ASU). All products have a benefit duration of 12 months with optional waiting periods (the length and time you have to wait before you can make a payment protection claim) of: back to day one; 30 day waiting; 60 day waiting or 90 day waiting.

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 you didn’t have any protection at all?

  • How are we going to pay the mortgage?
  • How long before the house is repossessed?
  • What happens if we stop repaying the loan?
  • How long before the power goes off if we don’t pay the bill?
  • When will we be evicted if we can’t pay the rent?
  • How would we manage without the credit cards?
  • We have not made the repayments, how long will it be before the car is taken back?

It makes sense to consider your options and have some cover. Any amount of cover is better than none!

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