Our Instant Cover is available to residents of the UK, Channel Islands and Isle of Man who are under the age of 50 when we receive their application form. You will find full details of our Instant Cover in our key facts document .

As your client's cover is for a re-mortgage, Instant Cover only applies to any increase in the mortgage, not the whole mortgage. Instant Cover is not available on Children's Critical Illness Cover. Instant Cover stops as soon as we defer or decline a cover.