Mortgage Payment Protection Insurance will pay your monthly mortgage repayments if you were off work because of sickness, an accident or unemployment. (Don’t forget that your home could be at risk if you do not keep up the payments of loans secured against it.) It is designed to ensure you can afford your mortgage repayments if you were off work

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Mortgage Payment Protection policies normally require you to have been off work for a minimum number of days before you can begin to claim against the policy. This is known as the “qualifying period” and the period is usually around 28 days although it may be longer. With most policies the payments will commence after the qualifying period but more generous policies will backdate payments to when you were first off work.

Once you have begun to claim, the insurance company will continue to pay you until you go back to work or you have reached the maximum number of months the company will pay out (usually 12 months), whichever event is the soonest.

You are sometimes given the option of insuring yourself for just unemployment or just sickness and accident. But, as long as you can afford it, you should consider insuring yourself for all three eventualities.

Many financial web sites will offer you Mortgage Payment Protection Insurance but we've taken care to bring you the policy that tops the Which? Best Buy Surveys.