MaintenanceAssist.co.uk

Providing financial solutions and assistance
to those who support their families through maintenance payments

NewStart Maintenance Protection Insurance from Maintenance Assist

Should your maintenance payments stop
we can provide

peace of mind

for a lot less than you might think.

Find out with a

Quick Quote

now...

Tel. 01449 798 163

What is NewStart?

Intro Benefits What is covered? What is not covered? Levels of Cover Next Step

How confident are you that your next maintenance cheque will arrive?

In practice not everyone encounters problems, but...

What if an accident or redundancy strike your maintenance payer?
What if the maintenance payer was unable to work through illness or, in the worst case scenario, died?
Perhaps the maintenance payer just stops paying you...

You and your family have come to depend on the monthly payments but remain on a tight budget.

Can you survive without this money for 3 months, 6 months or longer?

If your answer is a comfortable "yes", you don't need NewStart but if, like most people, you rely on this income "New Start" will give you the confidence and independence to face the future positively.

Whether your relationship with your former partner is amicable or acrimonious, the unexpected can always happen, and Maintenance Assist is here to support you and help to provide peace of mind.

So what does NewStart Cover?

Essentially New Start provides income protection cover for your maintenance.

DEBT RECOVERY AND LEGAL FEES - The debt recovery costs and legal fees of a family law solicitor to enforce your maintenance are covered.
LEGAL HELPLINE - Our confidential legal advice helpline, which is operated by Stones Solicitors LLP, puts you in touch with a qualified legal adviser who can give you general advice on any legal matter relating to your family.
ACCIDENT / SICKNESS/ ACCIDENTAL DEATH - If the maintenance payer cannot pay maintenance as a result of being unable to work through sickness, accident or accidental death, then your lost or reduced maintenance would be paid by the insurance.
REDUNDANCY - If maintenance is not paid due to redundancy of the maintenance payer, then the lost or reduced maintenance would be paid by the insurance.
DEATH (non-accidental) - If the maintenance payer dies by natural causes an income equivalent to the lost maintenance will be paid for a limited period.

The main features of the insurance are listed under levels of cover (link above) but you should read the Key Facts and the full policy conditions for full details. Limitations and waiting periods may apply.

The Benefits of NewStart Cover?

Gives you valuable protection against losing your income.
Pays for debt recovery costs or solicitors fees if you need to enforce your Consent Order.
Security - reduces the worry of whether the maintenance will be paid.
Reduces the risk of poverty following divorce.
Independence not dependant!

There are two levels of NewStart cover - Standard and Gold.

The table below summarises the differences in cover:

Section		Standard	Gold

A	Debt recovery costs / Legal expenses	£5,000 annual aggregate limit Excludes variation actions	£5,000 annual aggregate limit Excludes variation actions
A	Legal Advice line	Free family legal advice	Free family legal advice

B	Sickness / Disability / Accidental Death	Covers your lost or reduced maintenance to a maximum of £2,500 per month for up to 12 months (ie up to £30,000) 30 day waiting period	Covers your lost or reduced maintenance to a maximum of £2,500 per month for up to 24 months (ie up to £60,000) 30 day waiting period

C	Unemployment	Covers your lost or reduced maintenance to a maximum of £2,500 per month for up to 12 months (ie up to £30,000) 30 day waiting period	Covers your lost or reduced maintenance to a maximum of £2,500 per month for up to 24 months (ie up to £60,000) 30 day waiting period

D	Life Cover (non Accidental Death)	Up to £2,500 per month For up to 12 months (ie up to £30,000)	Up to £2,500 per month For up to 24 months (ie up to £60,000)

Notes:		This basic cover is designed to give a period of income protection during which maintenance is maintained at current levels following unemployment, disability, sickness or death of the maintenance payer. In addition there is cover for debt recovery costs to pursue unpaid maintenance. Legal costs will also be covered if required. A legal adviceline will also give access to a qualified legal adviser who can give general advice on any legal matter relating to your family.	The Gold cover gives the same valuable coverages as the Standard cover but will provide income protection for up to 24 months if necessary, whereas the standard cover is for up to 12 months.

What is not covered?

The policy documents give full details and you should read them (Key Facts and full policy conditions) but the main exclusions are listed here:

Waiting Period: You cannot claim within the first 30 days of disability or unemployment. After 30 days has elapsed, a claim can be made for lost maintenance back to the first day of disability or unemployment.
Suicide, attempted suicide, intentional self-injury of the maintenance payer or as a result of alcohol, drugs or solvent abuse
Acts coordinated between you and the maintenance payer for the purpose of creating a claim
Mental or psychiatric disorder of the maintenance payer unless he or she is sectioned under the Mental Health Act 1983
Any acts or omissions where you prejudice any legal action / recovery
Claims not submitted within 45 days
Claims that started or were known to be likely before the insurance began
Claims from pre-existing medical or physical conditions of the maintenance payer unless declared to underwriters
Disability claims if the maintenance payer was not in full time employment or self-employment on the day before the disability started
Legal expense or Debt recovery claims within the first 90 days where the maintenance order was in force before the start of the insurance
Disability claims made within the first 30 day of this insurance or unemployment claims made in the first 90 days of this insurance or unemployment claims where the maintenance payer has been in full time employment for less than 6 months