LifestyleProtect
Unpredictable often means expensive, but not when you're covered by LifestyleProtect. We'll be with you every step of the way, covering your payments when you need it most, against:
- Accident and sickness
- Unemployment
- Carer Cover
- Hospitalisation (over 65 years of age).
If you need to claim for any of the above, we will pay your minimum credit card payment for up to 12 months. If you have a claim that lasts for 12 months, we will pay off the remaining claim balance.
- Life Cover - in the event of your death, we will pay your balance owing up to a maximum of £100,000.
We also offer cover for a variety of Life Events such as:
- Purchase of a principal home
- Marriage or divorce
- Childbirth or adoption
- Graduation
- Enter full-time education
- Retirement
- Bereavement
- Jury Service.
If you experience any of the above events, LifestyleProtect will pay your minimum credit card payment for 2 months. You can make up to 2 Life Event claims in 12 months.
Valuable extras:
- FREE Annual Credit Report
- FREE ID Theft Assistance
- Loyalty Bonus
Cost
79p per £100 of your balance (including your insurance premium*)
Or call 0800 169 2632
9am to 7pm Monday - Friday
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*This cost includes insurance premium tax at the current rate. For example, should your statement balance be £1,000 for 3 months, then the total cost of the cover would be £23.70 (plus interest if applicable).
- How does LifestyleProtect work?
- What will the policy cover me for?
- How do I know if I’m eligible?
- How do I make a claim?
- Who do I call if I would like to cancel my policy?
How does LifestyleProtect work?
If you are unable to work, let us take care of your credit card repayments. LifestyleProtect could pay your minimum monthly credit card repayment directly to your MBNA issued credit card, until you return to work or, if your claim lasts for 12 months, we will pay off the remaining claim balance.
LifestyleProtect is also there should you experience any of our Life Events. For example, should you get married, LifestyleProtect could pay your minimum monthly credit card repayment for 2 months. You can make up to 2 Life Event claims in 12 months.
LifestyleProtect costs 79p per £100 of your balance (including your insurance premium). This cost also includes Insurance Premium Tax at the current rate. For example, should your statement balance be £1,000 for 3 months, then the total cost of the cover would be £23.70 (plus interest, if applicable). Please see the policy terms and conditions for full details of the cover.
What will the policy cover me for?
MBNA could make your minimum monthly credit card repayment for you in the event of accident, sickness, involuntary unemployment or becoming a full time carer. Hospitalisation cover replaces these if you are over 65 or permanently retired from work. Life cover is also included and would pay your balance owing as at the date of your death, up to £100,000.
We could also make your minimum payment for 2 months should you experience any of the Life Events such as:
- Childbirth or Adoption
- Purchase of a principal home
- Marriage or Divorce
- Graduation.
How do I know if I’m eligible?
You must be the individual named on the credit agreement and you must have agreed to pay the monthly premium and, you must meet the age and employment criteria.
You must be between the ages of 18 and 70. For disability, involuntary unemployment and carer cover you must be under 65 years of age and in work. For hospitalisation cover, you must be from 65 up to 70 years of age or permanently retired from work.
Please see our policy terms and conditions for full eligibility requirements.
How do I make a claim?
To make a claim, call us on 0800 531 6220.
Who do I call if I would like to cancel my policy?
To query your policy, call us on 0800 169 2632.
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Questions and Claims
Get immediate answers to your questions and claims:
Insurance contacts
Request a Claim Form
0800 531 6220
9 a.m. to 5 p.m.,
Monday to Friday