Income Payment Protection for EU citizen.

Penelopa.Pitstop

Hello,
I'm considering buying Income Payment Protection insurance but all policies have this condition: permanently living and working in the UK. I can't find anywhere in the policies definition of permanent living in UK. I contacted some of the insurers and they replied that the policy is not suitable for me because I'm not UK citizen.

None of the policies say you have to be UK citizen. Obviously if I take a mortgage I would be sold similar policy and then they would probably say I'm living here permanently because I bought the house.

I have sickness and critical illness insurance via my employer but I'm looking for redundancy cover. I'd rather avoid using my savings for living expenses.

Do you know any insurer who sells ASU and won't discriminate against EU citizens living in UK on permanent basis? I've been living and working here for 4 years.

jonesMUFCforever

Are you registered here as a taxpayer - what is your status here?

If you cannot get a UK based insurance company to cover you does any company in your home country not offer cover for you whilst you are living in UK?

Otherwise all I can suggest is go and see a broker.
Is there anything stopping you becoming a UK citizen?

Beware though premiums have gone through the roof since the start of the credit crunch and recession.

Penelopa.Pitstop

Hi,
I'm taxpayer, I have residence confirmation from Home Office but I can apply for citizenship only after 6 years of living here (5 years permanent residence +12 months before you can apply).

I'm not resident of the country of origin/passport and no one will cover me there for living and working in here.

I will be able to claim JSA in case of redundancy but it won't cover my costs of living, it would be rather pocket money. That's why I prefer to buy private cover.

As I wrote before, policies don't have anything in their terms regarding citizenship, just phrases: permanent resident or permanently living and working in UK which I believe I fulfill. Only when I ask them about definition of it they say I have to be citizen. When you take PPI for credit card or loan they don't care about it.

jonesMUFCforever

Then an IFA is the way to go IMO.

TEDDYRUKSPIN

They will all cover you until your contract is up.......

Penelopa.Pitstop

What do you mean? I'm not contract worker, I'm on standard employment contract.

Penelopa.Pitstop

Follow up if someone is interested. I've got reply from the insurer after I asked them to point me to the T&C where it's states you have to be UK citizen.

"Further to your email, this has been forwarded to the underwriters.

They have stated "As an EU citizen we would regard this client as
meeting the residency criteria." As long as you are able to register at
the job centre and claim job-seekers allowance you would be eligible for
cover."

So after all I'm meeting their criteria.

Dowsett

go back to your own country

somewhatnew

You have to be UK resident to take out the cover through mainstream companies. Im not going to list the residency rules but sufficient to say you do qualify for residency, even if you may not have the premenant right to reside.

What you need to negotiate is an application form correctly so that your answers fit the requirement of the insurer. i.e. find a company, such as Royal Liver, who do not ask about previous travel but future travel only. They do not need to know you have only recently come to the UK.

Royal Liver are great for rate class 1 + 2 jobs, safe, in an office primarly, maybe with a small element of travel or stress, rather than rate class 3+4, more manual / dangerous and risk involved, such as a scaffolder.

Just to cover myself I will say read the Key Facts document first, but Royal Liver would be my first port of call if I was suggesting it. However you do need to speak to an IFA and take advice as this is a technical product.