If you have a credit agreement with us, the chances are that when you took it out you knew you could afford the monthly payment. And you probably still can. But what would happen if your circumstances changed? What if you became ill, or had an accident and were unable to work, or lost your job through no fault of your own?

We all need some drama in our lives but loss of income and the worry of missing loan payments is one we can do without. Hitachi Capital's Payment Protection Insurance keeps your feet on the ground. For a small monthly premium, you can protect your loan repayments for up to 12 months.

There is no contract to sign or forms to complete. There are no costs upfront and you can cancel the cover at any stage during the life of your loan. You will only ever be charged for the time the cover is in place.

The premium is added to your existing monthly repayments - and if you are self-employed you will be covered for hospitalisation instead of unemployment.

Use our online calculator to see how little your monthly premium would be. Simply type in your loan amount and let us do the rest.

For further information please read the Policy Summary . The full terms and conditions of the policy are contained in our Policy document .

To apply online now click here  and fill in your details, we will do the rest. Your payment for the cover will be added to your monthly finance repayment and will be confirmed in writing to you.

Alternatively if you wish to speak to one of our fully trained customer service advisers, call us now on 0870 850 8116 . They'll be happy to help.