MORTGAGE PAYMENT PROTECTION INSURANCE
INCOME PAYMENT PROTECTION INSURANCE
LOAN PAYMENT PROTECTION INSURANCE

About British Insurance Limited and it's insurance products

WHO ARE BRITISH INSURANCE LIMITED?

British Insurance Limited are authorised and regulated by the Financial Services Authority and members of the Finance Industry Standards Association.

We are widely considered to be consumer champions and pre-eminent in the field of protection insurance, employing the highest ethical standards and treating our customers both fairly and with respect. This in part is why we have been allowed to use the word "British" as part of our company name.

Our products are regularly recommended in a considerable number of newspapers and magazines including: The Telegraph, The Times, The Express and The Mail on Sunday as well as all insurance trade publications.

Furthermore, in addition to our products topping Which? best buy surveys, we are the exclusively appointed provider of accident, sickness and unemployment insurance to the British Insurance Brokers’ Association.

WHY ARE BRITISH INSURANCE LIMITED PREMIUMS CHEAPER?

The reason that British Insurance Limited charges less than virtually all of our competitors is because we are both highly efficient and simply take less commission. Instead of relying upon fat profit margins we prefer to offer good quality insurance products, at low prices.

ARE THERE ANY CIRCUMSTANCES WHERE OUR INSURANCE PRODUCTS MAY NOT BE SUITABLE FOR YOU?

It is essential that you read the policy documents carefully to ensure that the insurance cover meets your demands and needs. This is particularly important if any of the circumstances detailed below apply to you because either an exclusion or policy condition may stop you from being able to claim. Our insurance cover is not suitable for persons who:

• are not aged between 18 and 65

• do not live and work in the United Kingdom

• do not work for more than 16 hours each week and have not done so continuously for the past 6 months

Furthermore, our insurance cover is much less likely to be suitable for you if:

• You cannot register as unemployed within the United Kingdom.

• Your are employed on a fixed-term contract and you have less than 2 years service with your current employer.

• You are employed on a fixed-term contact and your contract has 6 months or less to run.

• You are aware of any proposed redundancies or reorganisation in the business you work for.

• You are aware of any financial or contractual threat to the business you work for.

• Your work is casual, temporary or seasonal in nature or unemployment is a regular feature of your particular job

• You are currently disabled or you have a pre-existing medical condition.

• You are currently unable to work due to an incapacity (including any maternity leave).

• You are an existing borrower and your mortgage or loan is in arrears or is shortly due to end.

• You are using your mortgage or loan for commercial purposes (including buy to let mortgages).

• You are not living in the property named on your proposal.

• You are acting as a guarantor on the mortgage or loan (even if you are named on the agreement).

• You already have unemployment and/or incapacity insurance.

• You do not have or intend to have a mortgage or loan.

• You wish to insure more than 50% of your gross monthly income.

• You wish to obtain immediate unemployment cover.

• You become unemployed or incapacitated and still receive some income.