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Payment protect FAQ
Payment protect FAQ
Harmoney's Payment Protect repayment waiver is currently available only to New Zealand borrowers.
40 articles in this collection
Written by
Ana Wedlock
How Payment Protect works
What is Payment Protect?
Written by
Ana Wedlock
Updated over a week ago
How does Payment Protect work?
Written by
Ana Wedlock
Updated over a week ago
What exclusions are there to Payment Protect cover?
Exclusions to payment protect
Written by
Ana Wedlock
Updated over a week ago
Will the payment protect fee be refunded if I don't use it during the term of the loan?
Not using your Payment Protect service
Written by
Ana Wedlock
Updated over a week ago
How do I know if Payment Protect applies to my loan?
Written by
Ana Wedlock
Updated over a week ago
What happens if a payment is waived under Payment Protect?
Written by
Ana Wedlock
Updated over a week ago
What happens to the Payment Protect fee if I pay off the loan early?
Written by
Ana Wedlock
Updated over a week ago
Could I be liable for further costs under Payment Protect?
Written by
Ana Wedlock
Updated over a week ago
When can Harmoney refuse a Payment Protect repayment waiver application?
Written by
Ana Wedlock
Updated over a week ago
What repayments cannot be waived?
Written by
Ana Wedlock
Updated over a week ago
Does my Payment Protect cover me if my loan is extended?
Written by
Ana Wedlock
Updated over a week ago
Are there Payment Protect exclusions for pre-existing health conditions or risks?
Written by
Ana Wedlock
Updated over a week ago
Can I claim repayment waivers if I am working overseas?
Written by
Ana Wedlock
Updated over a week ago
Does Payment Protect cover me while I am travelling overseas?
Written by
Ana Wedlock
Updated over a week ago
Can my Payment Protect be cancelled?
Written by
Ana Wedlock
Updated over a week ago
Is Payment Protect an insurance product?
Written by
Ana Wedlock
Updated over a week ago
What does Payment Protect not cover me for?
Written by
Ana Wedlock
Updated over a week ago
If I have income protection insurance do I need Payment Protect?
Written by
Ana Wedlock
Updated over a week ago
Who manages the claims process?
Written by
Ana Wedlock
Updated over a week ago
Can I claim on Payment Protect if I am in arrears?
Written by
Ana Wedlock
Updated over a week ago
What if I make a repayment that later qualifies to be waived?
Written by
Ana Wedlock
Updated over a week ago
Can I add Payment Protect to an existing loan?
Written by
Ana Wedlock
Updated over a week ago
Can I cancel my Payment Protect at a later date?
Written by
Ana Wedlock
Updated over a week ago
Is there a stand-down period before I can make an application to have repayments waived.
Written by
Ana Wedlock
Updated over a week ago
Is the cost of Payment Protect refunded to me, if I don't make a repayment waiver during the course of my loan?
Written by
Ana Wedlock
Updated over a week ago
Notifying Harmoney
How do I notify Harmoney of an event and apply for a repayment waiver?
Written by
Ana Wedlock
Updated over a week ago
What happens if you receive notice of an event on the same day a monthly repayment falls due?
Written by
Ana Wedlock
Updated over a week ago
How soon do I have to notify Harmoney so I can have repayments waived?
Written by
Ana Wedlock
Updated over a week ago
Supporting documents
How will I know if Harmoney needs more information for my Payment Protect waiver application?
Written by
Ana Wedlock
Updated over a week ago
What documents do I need to supply in the case of death?
Written by
Ana Wedlock
Updated over a week ago
What documents do I need to supply in case of terminal illness?
Written by
Ana Wedlock
Updated over a week ago
What documents do I need to supply in case of disability?
Written by
Ana Wedlock
Updated over a week ago
What constitutes a terminal illness?
Written by
Ana Wedlock
Updated over a week ago
What constitutes a disability?
Written by
Ana Wedlock
Updated over a week ago
What constitutes redundancy?
Written by
Ana Wedlock
Updated over a week ago
What documents do I need to supply in case of redundancy?
Written by
Ana Wedlock
Updated over a week ago
Co-borrowers
Does Payment Protect apply to a co-borrower?
Written by
Ana Wedlock
Updated over a week ago
Does Payment Protect cover my spouse or partner?
Written by
Ana Wedlock
Updated over a week ago
How do repayment waivers work for co-borrowers?
Written by
Ana Wedlock
Updated over a week ago
Your rights
What are my rights as a Payment Protect customer?
Written by
Ana Wedlock
Updated over a week ago