Ford Credit offers four Payment Protection Plans to suit your individual needs. Life cover, Accident and Sickness cover, Unemployment cover and Premier cover (Life, Accident, Sickness and Unemployment).

The following will only apply if you purchase Accident or Sickness Cover, or Premier Cover:

• If you are unable to work due to an accident or sickness for more than 14 days in a row, we will pay 1/30th of the monthly benefit for each of these first 14 days you are unable to work.
• We will then pay 1/30th of the monthly benefit, at monthly intervals, for every further day you are unable to work. We will continue to make these payments until your loan is repaid or until you return to work (whichever occurs first).
• The maximum monthly benefit amount will be the lower of your monthly repayment or £1,500 per month.

The following will only apply if you purchase Unemployment cover or Premier cover.

• If you are unable to work for more than 30 days in a row, we will pay one monthly benefit equal to your monthly repayment.
• We will then pay 1/30th of the monthly benefit, at monthly intervals, for every further day you are unable to work. We will continue to make these payments for up to a maximum of 12 months.
• The maximum monthly benefit amount will be the lower of your monthly repayment or £1,500 per month.

The following will only apply to you if you purchase Life cover or Premier cover:

• If you die during your finance agreement we will pay the outstanding balance of your agreement, at the date of your death, up to a maximum of £50,000, excluding any arrears or interest on arrears but including any balloon payments.

The following will only apply to you if you purchase Unemployment cover or Premier cover:

• If you are self-employed you will be entitled to claim for unemployment if you have involuntarily ceased trading and have declared this to HM Revenue & Customs.
• If you receive payment in lieu of notice, your unemployment claim will start when you have registered as unemployed after the date your notice period ends.

The following will only apply to you if you purchase Accident or Sickness cover, Unemployment cover or Premier cover:

• You will also receive details of our Claims Support programme which provides guidance to help you return to work.

For further information, please download the Payment Protection Plan brochure (PDF).