Redundancy insurance policies

zacattack_2

Around a year ago I took out an insurance policy with Legal and General specifically to protect against redundancy (Lifestyle Cover Payment Protection Insurance) - I also had a smaller policy set up to cover my mortgage from 2006 with Cardiff Pinnacle which cover Sickness, Accident and also redundancy (helpupay Accident Sickness and Unemployment - Mortgage Payment Protection Plan).

At the time I took out the new policy I fully intended to cancel the old policy but I never did so I now actually have two policies protecting against redundancy.

I know you cannot claim off more than one insurance policy against a car for example but I am not sure for income protection policies. I have read through the terms and conditions and small print for both and I can't find anything which excludes having or claiming on more than one policy though it may well be there amongst the pages of ridiculously small legal jargon.

The new policy mentions the older policy in respect of the qualifying period and it would have paid only the value of the old policy during the qualifying period (which has now long past) - other than that I can't find anything else.

There is now a real risk I may lose my job in the next months so am I "allowed" to have more than one policy and, if so, can I claim off both independently of each other should I lose my job? I am confused as one is PPI and the other is Mortgage Protection Insurance - does this make any difference?