Home
About DMS
DMS Products
Agent Terms
Agency Application
Document Downloads
Feedback
Contact
 

Agent Login

DMS Products

DMS Product Range


DMS Options+Plus


A range of Accident, Sickness, Unemployment and Cessation of Business Covers for Owner Occupiers, Tenants, Clients Sharing Property and Clients Living with Family

Eligibility
You can be covered under this policy if at the start date:

  • You are a UK Resident
  • You are aged 18 or over and under 60
  • You have been continuously at Work for 6 months prior to the Start Date, with no absences from work other than for normal holidays

You cannot be covered under this Policy if at the Start Date

  • You are aware of any impending Disability or Unemployment that might affect you
  • You are aware of any impending action against you under your Employer’s disciplinary procedures
  • You are in temporary or seasonal employment

DMS's Underwriting limit is the lowest of

  • 50% of gross income or net profit
  • £2,500 per month
  • Individual cover package limit - 125% of the sum of their monthly outlay on Mortgage Interest, Mortgage Repayment Vehicle, Secured Loan, Rent, Life Assurance, Home Insurance, Motor Insurance, Council Tax, Electricity, Gas, Heating oil, Water, Unsecured Loans, Hire Purchase, Lease or Leasing, Lease Purchase, Credit or Store Cards, and payments to an IVA or a DMP.

Covers Available

  • Accident Sickness or Unemployment, Accident & Sickness only or Unemployment only
  • Back to day one cover, 30 days deferred, or 60 days deferred, all payable monthly in arrears.

Unemployment is defined as

  • Employed - Involuntary redundancy
  • Clients running their own Business, whether Self Employed or as a Controlling Director – Cessation of Business cover

 

Self Certified Mortgage Payment Protection

Similar to OPTIONS+Plus – but specially designed for Clients who can prove their income at the start date of the cover, but may have difficulty proving their income later, when a Claim arises.

 

Shared Ownership Cover

Similar to OPTIONS+Plus – but specially designed for Clients buying part of a property, and renting the rest.

Offered as a Block policy to Housing Associations.

Loan Cover Plan

Unemployment cover with a benefit period of up to 12 months PLUS  Accident or Sickness benefit payable for up to 60 months.

Home Guard

Home Insurance with extensive coverage in the Standard Policy, but still offering competitive premiums.

Click Here for more information

Cessation of Business Cover

For Clients who are running businesses that are successful now, this policy provides help if things go wrong in the future.

JobCare and JobProtect

JobCare
DMS is PROVIDES A MAJOR CLIENT BENEFIT to all of its policies, to help Clients whose jobs have been made Redundant to get back into work as quickly as possible.

JobProtect
Pays a tax free lump sum payment of £1,000, £1,500 or £2,000 on Redundancy

JobCare + JobProtect is available, as a stand alone cover package.

Click Here for more information about JobCare

DMS DIrect

Landlords Product Range

Credit Check Service
Legal Expenses, Rent Guarantee, and £25,000 Tax Investigation Cover
Buildings Cover
Tenants Personal Possessions

Debt Servicing Product Range

Protect-IVA – covers payments to Individual Voluntary Arrangements
Protect-a-Debt – covers payments to Debt Management Plans

As well as being available as policies for individual Clients, both these plans are also available to Insolvency Practitioners and DMP Managers as Payment Waiver Schemes.