Payment protect FAQ

Harmoney's Payment Protect repayment waiver is currently available only to New Zealand borrowers.

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How Payment Protect works

What is Payment Protect?

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How does Payment Protect work?

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What exclusions are there to Payment Protect cover?

Exclusions to payment protect
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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
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How do I know if Payment Protect applies to my loan?

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What happens if a payment is waived under Payment Protect?

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What happens to the Payment Protect fee if I pay off the loan early?

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Could I be liable for further costs under Payment Protect?

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When can Harmoney refuse a Payment Protect repayment waiver application?

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What repayments cannot be waived?

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Does my Payment Protect cover me if my loan is extended?

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Are there Payment Protect exclusions for pre-existing health conditions or risks?

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Can I claim repayment waivers if I am working overseas?

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Does Payment Protect cover me while I am travelling overseas?

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Can my Payment Protect be cancelled?

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Is Payment Protect an insurance product?

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What does Payment Protect not cover me for?

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If I have income protection insurance do I need Payment Protect?

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Who manages the claims process?

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Can I claim on Payment Protect if I am in arrears?

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What if I make a repayment that later qualifies to be waived?

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Can I add Payment Protect to an existing loan?

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Can I cancel my Payment Protect at a later date?

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Is there a stand-down period before I can make an application to have repayments waived.

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Is the cost of Payment Protect refunded to me, if I don't make a repayment waiver during the course of my loan?

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