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PPI insurance not linked to company

If you buy a PPI policy direct from an insurer, which is vastly cheaper than from the provider, what dies it cover?

i.e. if i was to buy such a policy which would cover sickness, unemployment etc etc as standard, would it cover ALL my commitments or would a seperate policy be required for each?
No Longer works for MBNA as of August 2010 - redundancy money will be nice though.

Proud to be a Friend of Niddy.
no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date

Comments

  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    you can buy policies to cover accident sickness redundancy and critical illness for whatever amount to want...so yes they will pay you the money and then you use the money for whatever.

    google something like 'income payment protection'
  • I think there's an article on it somewhere on here. We're with paymentshield and they just asked us how much we wanted cover for.
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