Payment Protect does not cover the waiver of repayments that fall due before you have given Harmoney written notice that an event for which you are covered has occurred.

Only repayments that fall due after you have given Harmoney written notice will be waived. This is assuming your claim meets the requirements set out in the Payment Protect terms.

It is therefore important to notify an event to Harmoney as soon as possible even if you do not yet have all the supporting documents ready.

You can provide the supporting documents later, provided Harmoney receives all supporting documents and any additional information it requires within 30 days after notification of the event has occurred.

If a payment falls due after you have provided Harmoney written notice, but before you have provided all required information and documents, that repayment will be waived. This is provided you have provided information within the required time period and your claim meets the requirements set out in the Payment Protect terms.

If you give Harmoney written notice an event has occurred before midday on the day on which a monthly repayment is due, we will treat the notice as received in time for that monthly repayment to be waived. This is assuming the waiver application meets all other requirements.

After midday, that day’s payment cannot be waived.

If the payment due date falls on a non-working day, you have until midday on the next business day to file your waiver application.

Please note: in cases of disability for which a 14-day stand-down period applies, only repayments that fall due 14 days after we have received written notice of the event, will be waived.

For example, if you fell ill on the 10th of the month, the first repayment that could be waived after the 14-day stand-down period has finished is a payment due on or after the 24th of the month.