Peace of mind repayment protection

Our repayment protection can cover your repayments and could protect your credit rating if you fall ill, have an accident or lose your job.   Simply choose the cover that suits your needs.

	Key benefits Up to £2,500 a month for accident and sickness claims including stress and backache (with supporting medical evidence), for up to 12 months Up to £2,500 a month for unemployment claims, for up to 12 months Up to £50,000 cover for Critical Illness

What if I dont want repayment protection?

Repayment protection is optional and if you decide not to take out cover, it will not affect our decision to grant you a loan.  However, you should be aware that, even if your income stops your loan repayments still have to be made.

Are there any exclusions?

As with all insurance policies, there are certain circumstances which are not covered.  It is important that you read the policy documentation and check that the policy is suitable for your needs within the 30 day cooling off period. For further details about the cover please speak to one of our trained advisors.

Some main exclusions are:

• Disability or illness resulting from a pre-existing medical condition.
• Unemployment which is voluntary, or results from your misconduct.
• Critical illness that occurs within 3 months of the start of cover, or which results from a pre-existing condition.

How to make a claim

If you need to make a claim on your repayment protection policy all you need to do is call: 0870 9052119 to register your claim.

Claims payments process

The average time taken for a first payment to be made on an accident and sickness claim is 5 working days.  This is based upon a claim form being received, fully completed and with the policy holder already having been certified as unfit to work for 14 days.

The average time taken for a first payment to be made on an unemployment claim is 5 working days. This is based upon a claim form being received fully completed and with the policy holder already having been registered as Unemployed with the Employment Service for at least 30 days.

Is peace of mind protection right for you?

To qualify for our repayment protection cover you need to be:

• a permanent UK resident.
• between 18 and 64 years old.
• in full-time employment, or self employed for more than 6 consecutive months.

There is no need for a medical or medical questionnaire and we should be able to confirm your eligibility over the phone.

Who arranges payment protection?

Sainsbury's Bank plc introduce to Bank of Scotland plc for sale of Creditcare. Creditcare is underwritten by St Andrew's Life Assurance plc (Registered No 3104670) (England) and St Andrew's Insurance plc (Registered No 3104671) (England) ("the Companies"), St Andrew's House, Portsmouth Road, Esher, Surrey, KT10 9SA. United Kingdom law allows parties to choose the law applicable to a contract. The contract will be subject to the law applicable to the region of the United Kingdom in which you reside. The Financial Services Compensation Scheme may assist you if the Companies, in some circumstances, are unable to meet their liability to you. Details are available on request. Sainsbury's Bank plc, St Andrew's Life Assurance plc and St Andrew's Insurance plc are connected companies as the ultimate parent company of St Andrew's Life Assurance plc and St Andrew's Insurance plc also has shares in Sainsbury's Bank plc.

Sainsbury's Bank plc, registered Office, 33 Holborn, London, EC1N 2HT (registered in England,no.3279730) is authorised and regulated by the Financial Services Authority (FSA).

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