Mortgage protection insurance is a type of cover that helps pay off or keep up with your mortgage repayments if you pass away, become critically ill, or are unable to work due to illness or injury. It’s designed to protect your home and the people in it from financial stress.

The right policy ensures that even if the unexpected happens, your loved ones can stay in their home and continue life without the added pressure of monthly repayments.

No one expects to fall seriously ill or lose their income, but if your household couldn’t keep up with mortgage repayments without your salary, the impact could be significant, especially during an already difficult time.

Having the right cover in place:

Keeps your home secure, even if you can’t work
Reduces financial pressure for your partner or family
Ensures your mortgage is paid off in full if you pass away (depending on policy type)
Offers peace of mind from the moment you collect your keys

Life insurance (mortgage life cover)

Pays off your mortgage in full if you pass away during the term of the policy
Typically designed to match the amount and duration of your mortgage
Can be level term (fixed payout) or decreasing term (reduces over time with your mortgage balance)

Critical illness cover

Pays a lump sum if you’re diagnosed with a serious illness covered in the policy (e.g. cancer, heart attack, stroke)
Can help pay off the mortgage or provide funds during recovery
Often added as a combined policy with life cover

Income protection

Provides a regular monthly income if you're unable to work due to illness or injury
Helps cover your mortgage payments and other essential bills
Especially valuable for self-employed workers or those without sick pay

Explain your options clearly, breaking down the technical terms and cover types

Review any existing policies to identify any gaps or duplication

Tailor a solution to fit your budget, mortgage length, and family circumstances

Handle the paperwork, from quotes through to application, all in one place

Mortgage protection is especially important for:

First-time buyers taking on their first big financial responsibility
Families where one or both incomes are needed to cover monthly repayments
Self-employed individuals without access to sick pay
Homeowners with dependents who couldn’t cover the mortgage alone

Ideally, mortgage protection should be in place from the moment your mortgage begins, but it’s never too late to review your situation.

You could find a basic policy online, but the cheapest option isn’t always the right one, and many off-the-shelf policies don’t offer the flexibility or cover you actually need.

At Jigsaw, we:

Compare policies across a wide range of insurers
Tailor cover to match your mortgage and lifestyle
Explain everything clearly — no jargon, no guesswork
Ensure you’re not underinsured or overpaying
Give you peace of mind that your home is protected, whatever the future holds

How can we help you?

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Whether you’re a first-time buyer, moving home, or simply exploring what’s possible, this check helps you set a clear budget, focus on the right properties, and avoid unwelcome surprises later on.

Mortgage protection coverage

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What is mortgage protection insurance?

Why is mortgage protection so important?

Types of mortgage protection cover