As long as you are under 65 years old, you can normally insure your loan payment against the risk that you are unable to make your loan repayments because of accident, sickness or redundancy (for employed clients) or hospitalisation (for self employed clients).

We strongly recommend that you take out this insurance. You can select to cover both yourself and your partner (if they are working). With the cutbacks in benefits announced by successive governments you can no longer rely on the state to support you and this insurance covers the majority of eventualities that may cause you to get into difficulties.

What's more, the cost is competitive and is included in your loan repayment. Most of us insure all our major expenditures such as our cars, so in our view in makes sense to insure your loan for the peace of mind it gives you. An accident or sickness can happen to anyone at anytime. Make sure if it happens to you, that you and your family are protected.

Also, there are no forms to fill in or medical examinations to attend. And if you are unlucky enough that you need to make a claim, then after a qualifying period the insurance company will pay the lender direct to make things as easy as possible for you at what might be a difficult time.

For full details of the terms and conditions applying to the insurance policies available, apply on-line straight away.

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TENANT LOANS NATIONWIDE ARE ADMINISTERED THROUGH LOANS4TENANTS WHICH IS A TRADING STYLE OF CENTRAL CAPITAL WHO ARE LICENSED CREDIT BROKERS. REGISTERED OFFICE: 1 LE MARCHANT STREET, ST PETER PORT, GY1 4HP. REGISTERED IN GUERNSEY NO 37613. WRITTEN QUOTATIONS ON REQUEST.

A TYPICAL EXAMPLE OF LOANS OF £3,000 OR MORE IS £5,000 OVER 60 MONTHS @ £115.05 PER MONTH = £6,903 TOTAL AMOUNT REPAYABLE (14.4% APR VARIABLE). A TYPICAL EXAMPLE OF LOANS LESS THAN £3,000 IS £2,000 OVER 24 MONTHS @ £106.58 PER MONTH = £2,558 TOTAL AMOUNT REPAYABLE (27.9% APR VARIABLE).