You are not eligible to claim for unemployment if before or within the first 120 days from the start date of the policy you were made personally aware, either verbally or in writing, that your unemployment is pending. After the 120 days has elapsed this exclusion no longer applies. This exclusion period may be waived if you transfer to us from an existing payment protection product, see Already have a policy?

There is no initial exclusion period for incapacity claims.