Terms and Conditions

Download Policy Booklet (PDF, 466KB)

Terms and conditions apply

How to claim

If you need to make a claim, you can obtain a claim form from Genworth Financial whose telephone is +353 61 73 73 73 or alternatively write to: Genworth Financial, PO Box 602, Shannon, County Clare.

Complaints procedure

We set ourselves high standards, but if you are not satisfied with our service please tell us. If you follow the procedure set out below, we will deal with your complaint in the most efficient way possible.

Step 1: Please contact Genworth Financial, PO Box 602, Shannon, County Clare

Step 2: If you are still not happy or the problem has not been resolved to your satisfaction, you may refer it to the Financial Services Ombudsman's at 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Lo-call 1890 604 604

If you complain it will not affect your legal rights.

Terms of Business

Download Terms of Business (PDF, 440KB)

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Eligibility

Terms and conditions apply

  • Over 18 years at the commencement date of the loan and under 65 at the end date of the policy agreement
  • Must not know that any disability, involuntary unemployment, critical illness/major injury is likely to happen
  • Must be working full-time at least 18 hours per week in Ireland or 16 hours per week in the UK
  • The first/sole named person on the loan or, where that person is not eligible at commencement date, their spouse can be nominated and become the policy holder provided the spouse fulfils the eligibility criteria

Exclusions

  • Pre-existing illness is excluded where a customer is receiving medical advice, treatment or counselling for an illness in the 12 months prior to taking out a payment protection policy, that illness will not be covered for the term of the agreement
  • Self-inflicted injuries
  • Normal pregnancy is excluded, except where there is a pathological condition diagnosed by an obstetrician
  • Alcohol and drugs related illnesses
  • Stress or psychological illness is excluded, except where there is a psychiatric report from a consultant
  • Backache is excluded, except where there is radiological evidence (an X-ray) from a consultant
  • You must be in work and have your Term Loan for 90 days before you can claim involuntary unemployment. In addition you must be in full-time employment continuously for twelve months immediately before your employment ending.