Q: I already have an income protection insurance policy in place with another company, can I take one out with you as well?

A: The income payment protection insurance policy that we provide allows you to cover £1500 or 50% of your gross monthly income whichever is the lower amount, at the point of claim the money goes to you to use as you wish, mortgage, loan, utility bills etc.

However, at the point of claim you cannot be in receipt of more than 50% of your gross monthly income and that includes similar insurances.

So you are able to have our income payment protection insurance policy as well as your current one but you cannot cover more than 50% of your gross monthly income.

Full income payment protection insurance details and a quick quote facility are available online at www.britishinsurance.com.

If we can be of further assistance please do not hesitate to contact us again either by email or on 08450 175 178.

Q: I am self-employed with earnings of approximately £67500, which I am seeking Income Protection Insurance for. I would be grateful if you would forward details and information of services that you offer.

A: The income payment protection insurance policy that we provide allows you to cover up to £1500 or 50% of your gross monthly income whichever is the lower amount, at the point of claim the money goes to you to use as you wish, mortgage, loan, utility bills etc.

If you are self-employed you are eligible to apply for cover, however, restrictions apply to claiming. The policy wording states ” If You are Self-Employed and You are making an Unemployment claim, You must provide proof that:

You have involuntarily ceased trading and declared this to HM Revenue & Customs.  You will be required to supply a copy of this notification to Us”

The full income payment protection insurance policy wording and a quick quote facility are available online at www.britishinsurance.com.

If we can be of further assistance please do not hesitate to contact us again either by email or on 08450 175 178.

Q: I am in the process of buying of a big new house. One that comes with a big new mortgage and I am keen to insure myself against the worst, just in case.

I am interested in your unemployment, accident and sickness insurance cover but have the problem that although I reside fulltime in the UK and always have, I work for a Norwegian company based in Norway.

Do you have provision in your accident, sickness and unemployment insurance policies for this or do I have to look elsewhere?

A: The policy that we provide is an income payment protection policy, it allows you to cover £1500 or 50% of your gross monthly income whichever is the lower amount. The minimum is £100. At the point of claim the money goes to you to use as you wish, loan, mortgage, utility bill etc.

If you are paid in sterling and you pay UK tax and national insurance and your employer is UK registered then you would be eligible for accident, sickness and unemployment insurance cover.

Full accident, sickness and unemployment insurance policy wording and a quick quote facility are available online at www.britishinsurance.com.

If we can be of further assistance please do not hesitate to contact us again either by email or on 08450 175 178.

Q: I would like to cover my Loan with payment protection insurance. I would like to know if I became unemployed. Do I have to wait 120 days from the start of my payment protection insurance policy to make a claim. Or will my loan be covered immediately.

A: The payment protection insurance policy that we provide allows you to cover £1500 or 50% of your gross monthly income whichever is the lower amount. At the point of claim the money goes to you to use as you wish.

There is a 120 day initial exclusion period at the beginning of the payment protection insurance policy, if you were to lose your job or be made aware of losing your job within the 120 days then you would not be able to claim on the payment protection insurance policy.

Once you are eligible to claim there is a 30 day waiting period and it is back to day one.

Full payment protection insurance policy wording and a quick quote facility are available online at www.britishinsurance.com.

If we can be of further assistance please do not hesitate to contact us again either by email or on 08450 175 178.

Q: I have a question regarding whether a claim can be made for unemployment, if a compromise agreement was signed between an employee and employer.  Is that permitted under the terms and conditions of the payment protection insurance policy?

A: If you have signed a compromise agreement in can affect your claim. At the point of claim you would have to see out what would have been your lieu of notice period before you can claim can start.

However, we are the broker of the payment protection insurance policy and we do not process the claims. At the point of claim you would need to contact the administrators who process the claims on behalf of the underwriters.

If you have any further questions simply email them to us and we will forward them on to get a full response.

If we can be of further assistance please do not hesitate to contact us again either by email or on 08450 175 178.

Q: Information about mortgage protection insurance if I’m out of work please. I’m self employed but working if I’m out of work can I start to use my mortgage protection insurance right away or do I have to be in work for a certain time?

A: If you are self-employed then you are eligible to claim. However your ability to claim on the payment protection insurance policy is restricted.

In the payment protection insurance policy wording it states - “If You are Self-Employed and You are making an Unemployment claim, You must provide proof that:
You have involuntarily ceased trading and declared this to HM Revenue & Customs.  You will be required to supply a copy of this notification to Us”

Full payment protection insurance policy wording and a quick quote facility are available online at www.britishinsurance.com. If we can be of further assistance please do not hesitate to contact us again either by email or on 08450 175 178.

Q: I would like a quote for joint mortgage protection for accident, sickness and unemployment cover. Hopefully paying about £1100 per month with a 50/50 split for myself and my husband.

A: Unfortunately the accident, sickness and unemployment insurance policy that we provide does not offer joint cover. However you and your husband can have two separate accident, sickness and unemployment insurance policies.

To be able to provide you with an idea of the cost we would need to know your age, the type of cover and the amount of cover.

A quick quote facility is available online along with the full accident, sickness and unemployment insurance policy wording at www.britishinsurance.com.

If we can be of further assistance please do not hesitate to contact us again either by email or on 08450 175 178.

Q: I would like to cover my salary, to be covered by a redundancy policy. Please advise me ASAP.

A: Our policy is an income protection insurance policy that offers accident, sickness and/or unemployment cover.

Your can cover up to £1,500 or 50% of your gross monthly income, whichever is the lesser.

If you go online to www.britishinsurance.com and click in ‘Policy Documents’ you can read the full accident, sickness and unemployment insurance policy wordings, these are the terms and conditions for the policy.

There is a quick quote facility and you can also apply online.

Please read the accident, sickness and unemployment insurance policy wordings carefully to make sure you meet the eligibility requirements and that the policy is suitable to your needs.

We cannot give advice, but if you have any queries, please don’t hesitate to contact us.

Q: Unemployment insurance cover please.

A: Our policy is an income protection insurance policy that offers accident, sickness and/or unemployment cover.

Your can cover up to £1,500 or 50% of your gross monthly income, whichever is the lesser.

If you go online to www.britishinsurance.com and click in ‘Policy Documents’ you can read the full policy wordings, these are the terms and conditions for the income payment protection insurance policy.

There is a quick quote facility and you can also apply online.

Please read the payment protection insurance policy wordings carefully to make sure you meet the eligibility requirements and that the policy is suitable to your needs.

We cannot give advice, but if you have any queries, please don’t hesitate to contact us.

Q: I’m a self employed fireplace and stove installer, If I take out a payment protection insurance for accident and sickness what would happen if I died does your payment protection insurance policy cover this?

A: The payment protection insurance policy that we provide does not offer life cover. It is offers temporary cover in the sense that if you were injured or ill it would pay out for a maximum of 12 months.

The payment protection insurance policy wording and a quick quote facility are available online at www.britishinsurance.com.

If we can be of further assistance please do not hesitate to contact us again either by email or on 08450 175 178.