Payment Protect does not cover events that occur after the original loan term has ended.  This is because the fee you have paid is calculated on, and covers only, the original loan term.

This means that if the term of your loan is extended for any reason, such as following an unforeseen hardship application, you have cover only for events occurring during the original loan term.

Note that if you opt for Harmoney Top Up, that does not count as extending your loan. Your Payment Protect does not renew with Harmoney Top Up.