Find answers to some of the most common questions from our members
The policy does not cover certain things, claims may be refused in certain circumstances, refer to the Product Disclosure Statement (PDS) for full details. Some of the key exclusions include:
For the full details of exclusions to Mortgage Protection Plus, including words with special meanings, refer to the Product Disclosure Statement.
The cooling off period is within 21 days of purchasing the policy; you can cancel the product and receive a full refund. This does not apply if you have made or are entitled to make a claim.
Even after the cooling off period you still have the right to cancel the policy, however QBE may deduct some costs from any refund as set out in the ‘Policy Wording’ in the Product Disclosure Statement (PDS).
To cancel your Mortgage Protection Policy, please ring one of our Mortgage Protection Specialists on 13 11 82.
Once your claim is lodged with QBE, a claims consultant will provide you with a claim form to complete with accompanying documents depending on your claim (letters, documents, medical certificates).
QBE will give you a claim number which will be your ongoing reference to the claim. You can use this reference for all claims enquiries when providing information to QBE.
All claims are lodged with QBE. Where a claim is impacted by a life component, the claim will be managed by Integrity Life.
Some claims are simple but others are more involved - either way, you can be sure that QBE will be working as quickly and efficiently as possible to process your claim.
For all covers provided by Mortgage Protection Plus, you must be:
If you are applying for disability cover, you must:
If you are applying for involuntary unemployment cover:
You will not be able to apply for involuntary unemployment cover without also applying for disability cover.
Mortgage Protection Plus is offered as a 12 month policy and prior to the anniversary date, a renewal will be offered, contingent on the insured continuing to meet the eligibility criteria.
If your Mortgage Protection Plus policy is paid via instalments, your policy will continue following the renewal date unless the policy is cancelled.
Mortgage Protection Plus is portable and can be transferred to another People’s Choice home loan if you are refinancing.
Refer to the PDS for a full list of events that will end your cover early.
Premiums can be paid by:
Your premium and how you’ve chosen to pay it is set out on your policy schedule.
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