A policy which can provide replacement income in the event of your being made redundant or unemployed. For some people this is a necessity. It will depend on your own attitude to whether you will try to get ANY job just to keep a roof over your head, or if you are prepared to "sit it out" waiting for a comparable job to come along!
The benefit is normally set at the same amount as your mortgage payments or your rent, and is paid for up to one year. There are a few policies that pay for up to two years, so you have to shop around.
" The only way to find out if a you are over-paying on your insurance, is to have an Independent Review "
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