Mortgage protection cover can be expensive depending on where you purchase it from and all policies aren't of the same quality. Therefore, before you sign on the dotted line, you need to do your homework first and shop around. Only by seeing what is on offer in the market place can you be assured of getting the cheapest mortgage protection cover along with a quality product.

With its recent bad publicity, faith in payment protection insurance products is at an all-time low. The payment protection insurance sector has recently taken a beating. However what the consumer needs to understand is that it isn't particularly the products themselves that are at fault, but those who sell policies.

The many problems that have cropped up from the recent investigations by the Financial Services Authority and the Office of Fair Trading into the sector has shown that it is the poor selling techniques which stems from ignorance of the product that has caused wide mis-selling of policies.

When you want a specialist product then you would normally shop at the correct store. For example, you would buy a TV from an electrical store, simply because they know about the product they are selling. The same applies to mortgage cover. The high street lenders are trained to sell loans but very few are trained properly in the selling of mortgage protection cover.

This is where the majority of the problem lies, along with the high street lender being greedy and wanting to make huge profits from mortgage protection.

In fact, it is accepted that around ?6 billion a year is made in profits from the selling of these profits by unscrupulous providers. Yet this doesn't have to be the case, there are providers who sell low cost, quality cover.

The only way to be assured of getting a quality policy for a fair premium is to shop around and go independently for the cover. This means that you will get the cheapest premium for your quote and the policy is backed by expert knowledge in protection policies. While there has been bad publicity surrounding the product, you shouldn't tar all providers with the same brush and mortgage protection cover can be a safety net on which to fall should the unexpected happen.