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Mortgage Payment Protection Insurance (MPPI)

Exceptional circumstances

Although the deadline has now passed, there may be exceptional circumstances where you are able to complain. Please visit for more information.

MPPI - an overview

MPPI is a type of insurance policy designed to protect your mortgage repayments in the event you become unable to work due to accident, sickness or unemployment. In the event of a successful claim, the insurer would pay a monthly benefit to your mortgage account until you return to work, or until the maximum monthly benefit payments for any one claim have been made.

Did Skipton offer MPPI on its mortgages?

Yes, we used to offer MPPI, sometimes called Accident, Sickness and Unemployment cover (ASU). The monthly MPPI premium would be paid alongside the monthly mortgage payment. No interest was charged on the insurance premium where payment was made on the due date and the policy could be cancelled at any time.

If you still hold a Skipton MPPI policy

What to do if you have MPPI and need to make a claim

Check your policy to see if you are covered for the claim you want to make. Also check any exclusions which may apply. If you are not sure whether you can claim, please contact the claims administrators who will be happy to help you on the below details:

Davies Managed Systems Limited, Customer Relations Team, PO Box 2801, Stoke-on-Trent, ST4 9DN

Telephone: 0344 856 2015 (this is a basic rate number)

Email: or alternatively you can contact us on 0345 850 1711.

Please have your policy number to hand, you can find this on your personal insurance schedule.

You can find more information in the Insurance Product Information Document

Why is Skipton working with Canopius Managing Agents Limited?

Skipton Mortgage Payment Protection Insurance is underwritten by Lloyd’s Syndicate 4444, which is managed by Canopius Managing Agents Limited. Canopius Managing Agents Limited is registered in England and Wales no. 01514453 in the United Kingdom.

Canopius Managing Agents Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference: 204847.

Canopius Managing Agents Limited is a Lloyd's of London insurer that delivers specialised mortgage-related insurance products. They have a solid reputation within the industry, which is why we have partnered with them. Your premiums are held under trust, which means should anything happen to Canopius Managing Agents Limited, your claims will still be honoured.

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