If you have a co-borrower for your loan and one of you chooses to add Payment Protect, both of you must get Payment Protect. However, one of you could get Partial cover and the other Complete cover.
If your spouse or partner is not liable to pay monthly repayments on the loan under his or her Payment Protect plan (eg. because of his or her disability if he or she has Complete cover), you are not liable for those monthly repayments during the period the repayments are waived.
This is the case even if you and your co-borrower have different types of Payment Protect cover.
Read the full Payment Protect terms.