Jargon Buster - Definition of Qualifying Period

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Qualifying Period

is the timescale, defined within in an insurance policy, which must be waited before a claim can be made. Qualifying Periods are frequently used for income protection insurance and mortgage payment protection policies whereby you cannot make a claim until the policy has been live for a specified time period. This can often be 0, 30, 60 or 90 days, dependant upon your insurer. Qualifying Periods are almost always set for unemployment and redundancy policies, as this helps to avoid people taking out a policy and claiming for an expected redundancy.

Please note that all definitions are intended for general guidance only. For official and current definitions you should always double check your policy wording.

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