We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Halifax tmp insurance question please..

Ruby_woo
Ruby_woo Posts: 460 Forumite
100 Posts
edited 24 November 2013 at 6:21PM in Insurance & life assurance
...................

Thanks

Comments

  • kingstreet
    kingstreet Posts: 39,351 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Unfortunately, the only way you can establish this is by reading your policy documentation.

    I take it "TMP" is some form of payment protection?
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • Ruby_woo
    Ruby_woo Posts: 460 Forumite
    100 Posts
    edited 24 November 2013 at 6:21PM
    Thanks kingstreet x
  • kingstreet
    kingstreet Posts: 39,351 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It is possible.

    Sadly, terms and conditions change and they also vary from one provider to another, so you can only rely on the documentation which accompanied the sale of your contract.

    If you don't have a certificate of insurance, schedule and policy booklet, I'd request these from the insurer when you speak to them.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • Ruby_woo
    Ruby_woo Posts: 460 Forumite
    100 Posts
    Thank you kingstreet.
  • dunstonh
    dunstonh Posts: 120,380 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I take it "TMP" is some form of payment protection?

    Its Halifax's own brand multi-segment protection policy. It can offer life assurance, CI cover, MPPI and PHI in any combination.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Ruby_woo
    Ruby_woo Posts: 460 Forumite
    100 Posts
    We have crit ill, redu, sickness and life cover. Do you know anything about my initial question? X
  • dunstonh
    dunstonh Posts: 120,380 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Ruby_woo wrote: »
    We have crit ill, redu, sickness and life cover. Do you know anything about my initial question? X

    No. The terms would be specific to your policy and version held (these types of products get tweaked over the years and in effect you can end up with a version 1, 2, 3 etc and it can depend on what version you are on).
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Ruby_woo
    Ruby_woo Posts: 460 Forumite
    100 Posts
    Thank you, that makes sense, back to the paperwork x
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.4K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.4K Spending & Discounts
  • 245.4K Work, Benefits & Business
  • 601.3K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.