Before You Continue…

Our website uses cookies. By continuing to browse the site, you are agreeing to our Privacy Policy.

OK - continue
logo
Search for mortgage help
CALL US:  023 8098 0304
Mobile menu bars Close mobile menu
mortgage calculator mortgage calculator
request a call back Request a Callback
email us info@themortgagehut.net
call for mortgage advice chat online now
Search for mortgage help

Specialist Mortgage Help

  • First Time Buyers
  • House Mover Mortgages
  • Bad Credit Mortgages
  • Remortgaging
  • Equity Release
  • Self Employed Mortgages
  • Buy to Let Mortgages
  • Expat Mortgages
  • Commercial Mortgages

Useful Links

  • Home
  • Contact us
  • Mortgages
  • Mortgage Insurances
  • About Us
  • Customer Reviews
  • Refer a Friend Scheme
  • Expert Articles
  • News
  • Sitemap
  • New Build Mortgages
  • CIS Mortgages Explained

Privacy Settings

  • Privacy Policy

Does your insurance cover you for COVID-19?

  1. Home
  2. Expert Articles

We’ve spoken to lots of insurance policyholders over the last few few months as understandably many people have concerns about whether their insurance provider will pay out for claims related to Coronavirus.


We’ve also helped those looking to take out a new policy, whether that be for:


  • Critical illness cover (Protection against serious health problems)

  • Income protection (Protects your earnings if you become seriously unwell)

  • Life insurance (Financial security for your family/beneficiaries if you pass away)


We’ve answered some of the most common questions below but please feel free to speak to our advisors via our website chat for further information.

How can I find out if my insurance policy covers Covid-19?

Your first port of call should be your insurance provider who can confirm the listed illnesses that are included under the terms of your insurance agreement. 


If lines are busy, check your insurance provider’s website for further information as most have published clear Q&As for worried customers.

Can I make an insurance claim if Covid-19 isn’t listed in my policy?

It may be the case that Coronavirus isn’t a specified illness within your contract which could prevent you from being able to make a successful claim. 


That being said, some providers have stated that although their policies don’t cover the Covid-19, they will pay out for complications from the virus that lead to conditions that are included in your policy. 


Although policies will vary widely this may include conditions such as kidney, liver, heart or respiratory failure. 


I’m in the process of applying for insurance, will I be denied cover because I’ve had Coronavirus symptoms?

If you’re currently in the process of applying for protection whether that be for life cover, critical illness cover or income protection, be aware that your insurer may ask further questions to determine your level of risk as claimant. It can help to prepare for questions about:


  • Your health and whether you have contracted or currently have Coronavirus

  • Your recent travels 

  • Whether you've had any contact with people showing symptoms of the virus

  • Whether you’re currently self-isolating

Can I apply for insurance during Covid-19?

Yes, many insurance providers are still able to provide cover, though your ability to get accepted for any given policy is dependent on your own circumstances.


In order to reduce the strain on the NHS, some providers have stopped requesting further information from GP’s. Most applications won’t be affected although if the insurance provider requires further information, your case may be put on hold.

Advice about Coronavirus and protection

If you have concerns about whether your current or future policy If you have concerns about whether your current policy would pay out, it can be reassuring to know that you can seek free guidance from one of our insurance advisors. 


Their advice is confidential but more importantly, it’s based on experience that can help identify terms in your agreement that could prevent you from making a claim. 


Call 02380 980304 or head to our insurance hub for more information about the products mentioned in this article and how they could affect you.

Managing Director Nicola Schutrups
News Clip (17/08/2020) by
Nicola Schutrups (Managing Director)
The Mortgage Hut

Looking for a Mortgage?

Find out if you're eligle in a couple of clicks, with no hidden credit checks.

Get Started

Related News Information

  • On the up! Southampton house prices rose in April, the most in the South East
  • Government considers removing stress tests from mortgage applications
  • Legal & General to develop flagship Build to Rent scheme in Wandsworth
  • Radian Homes - Shared Ownership Open Day
  • Are you a customer centric Mortgage Consultant?
  • Savills: price growth flat, but signs of an increase in activity
  • How can housebuilders help their buyers meet the Stamp Duty deadline?
  • New Build News - CMA confirm they will investigate Leasehold controversy
  • Buying a property during COVID-19 - what now?
  • How will COVID-19 and the BOE base rate cut affect my mortgage?

Looking for a Mortgage?

Find out if you're eligle in a couple of clicks, with no hidden credit checks.

Get Started

Follow us on social media for updates

  • Like us on Facebook
  • Follow us on Twitter
  • See us on instagram
  • Watch us on YouTube

Contact The Mortgage Hut

Head office address of The Mortgage Hut
SOUTHAMPTON (HQ)
14 College Place
Southampton
Hampshire
SO15 2FE
Head office phone The Mortgage Hut
023 8098 0304
Head office email The Mortgage Hut
info@themortgagehut.net
Contact Us

The Mortgage Hut Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

The Mortgage Hut Limited. Registered Office: 14 College Place, Southampton SO15 2FE Registered in England Number: 07629941

Contact Us

Important Information

  • The guidance and advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.
  • Some products are not regulated by the Financial Conduct Authority.
  • Please note that The Mortgage Hut is not responsible for the accuracy of the information contained within any linked sites accessible from our website.
  • Your home may be repossessed if you do not keep up repayments on your mortgage.
  • There may be a fee for mortgage advice.
  • The actual amount will depend upon your circumstances.
  • The fee is up to 1% and a typical fee is £748.

Data Protection & Privacy

You voluntarily choose to provide personal details to us via this website.

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998.

You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

When you use our website, we access your device/computer to set cookies and collect data.

We do this so it works, is secure and delivers the best browsing experience.

We also collect data to study how people use our site and help us improve our services and tailor our marketing.

For more information see our Privacy Policy.

back icon
close icon

Specialist Mortgage Advice

Mortgage Advice

Mortgage Advice
Get Started
Mortgage Advice

Mortgage Advice

Remortgage Advice

Remortgage Advice
Get Started
Remortgage Advice

Remortgage Advice

Buy to Let Mortgage

Buy to Let Mortgage
Get Started
Buy to Let Mortgage

Buy to Let Mortgage

Is the mortgage for your home or a business venture?

Residential Button Residential Hover Button
Buy To Let Button Buy To Let Hover Button

Are you buying or remortgaging?

Residential Button Residential Hover Button
Buy To Let Button Buy To Let Hover Button

Have you found a property yet?

Yes Button Yes Hover Button
No Button No Hover Button

Is the property house or a flat?

House Button House Hover Button
Flat Button Flat Hover Button

What is the property’s estimated value?

£

Deposit amount or equity?

£

Have you got any adverse credit?

Yes Button Yes Hover Button
No Button No Hover Button

What types of adverse credit?

Next Button Grey Next Button Blue Next Button White

What is you combined annual income (before tax)?

£

Sourcing Mortgages…

Nicola Arbon

“There's a reason why over 500 clients rate us as Excellent.”
Nicola Arbon, Managing Director and Mortgage Guru

Green Tick

Congratulations, we've successfully found you multiple mortgage options.

Next Button Blue Next Button White

Please enter your name to send you the results

Please enter the best email to send you the results

What is the best number to reach you on?

What day & time best suits you?

Next Button Blue Next Button White

Thank you

logo

A member of The Mortgage Hut team will review your enquiry & we’ll be in touch to discuss in more detail & to advise on the options available to best suit your needs.

Head office phone The Mortgage Hut 023 8098 0304