Hope I'm posting this in correct forum! I work in the public sector & in 2012 took out a payment protection insurance policy with deferred payment of 52 weeks as advised at the time (as sick pay at that time was 6 months full, 6 months half pay). I recently looked at my policy & have realised that this will need to be changed in line with sick pay in public sector now being 3 months full, 3 months half. My questions are: will I now have to pay extra on my policy for a reduced deferment period, will this be easy to amend & will I need to declare any health changes I have had since taking original policy out? Thank you.