Having the right types of insurance at the right time can often provide financial relief from an otherwise stressful situation.

To help with your peace of mind, we have partnered with Quest Insurance Group to offer our customers a range of Insurances.

For a full list of benefits, terms, and conditions, please refer to the policy documents for each type of Insurance below:

Credit Contract Insurance (CCI) Policy Document >

We recommend you seek independent financial advice on whether insurance products are relevant to your situation.

Do I need Credit Contract Indemnity Insurance (CCI)?

This insurance is optional. You are not required to take out CCI as part of your loan.

CCI can help protect you against unexpected events that may affect your ability to repay your loan. These could include:

  • Death
  • Terminal Illness
  • Accident
  • Disablement
  • Redundancy
  • Business Interruption
  • Bankruptcy
  • Suspension
  • Hospitalisation

If such an event happens, having CCI may mean you will not have to pay monthly loan repayments for which you have cover, that fall due after you have notified us of the event.

How do I know if CCI is included in my loan?

The loan disclosure will confirm whether CCI applies to your loan and the fee for it.

What happens to the CCI fee if I pay off my loan early?

If you repay the loan in full early without having made a claim under the CCI policy, part of the CCI fee will be rebated. The calculation of your rebate is prescribed by the Credit Contracts and Consumer Finance Act (CCCFA), and outlined below:

CCI refund = ( p × s × ( s + 1)) ÷ ( t × ( t + 1))


  • “p” is the CCI fee amount
  • “s” is the number of whole months in the unexpired portion of the period for which the CCI policy applied
  • “t” is the number of whole months for which the CCI policy applied.

Does CCI cover events related to pre-existing health conditions?

CCI does not cover you if you have pre-existing conditions that relate directly or indirectly to the event that causes you to make a claim.

These can include illness, injury, congenital or degenerative condition(s), or other medical conditions for which you sought – or could have reasonably been expected to seek – advice or treatment before the policy start date.

How do I make a claim?

For details regarding how to make a claim, please refer to the policy document below:

Credit Contract Insurance (CCI) Policy Document >

Or alternatively contact Quest Insurance directly on (0800) 800 783.