You may wish to opt out of the Plan for personal reasons or financial reasons. 

When you opt out you will have the right to join the HP Investment Scheme. 

Before opting out you may wish to seek independent financial advice, and also check any impact this decision may have on any benefits payable in the event of your death.

For information on how to opt out of the HP Plan please refer to the ‘How to guide on Opting out of the HP Plan’.