British Insurance Mortgage Protection www.britishinsurance.com

Searched for mortgage protection insurance on Compare the Market and found British Insurance to be very competitive. Looked up their website separately to check them out and found everything clearly described with all the information I needed.

I took out a 30-day excess unemployment policy which means I'm not covered for the first month if I lose my job but I have enough money to cover me for the first month anyway so this isn't an issue.

Confirmation received by email and all paperwork received by post a few days later.

I hope I never have to claim (because this would mean I've lost my job!) but I feel much better having this safety net, just in case.

Yes the staff are helpful when you are arranging cover. They will also take your premium fast enough. However, try making a claim and you will be lucky if you get it paid promptly, if at all! (I have been waiting six months for them to pay my claim for mortgage protection. All they appear to do is stall and ask for the most ridiculous "additional information", which is almost impossible to obtain or provide).

I've been with British Insurance for a while after following the adice from moneysavingexpert.

Buying was simple enough and the information clearly displayed throughout.

Again like the other commenter, Ive not needed to claim but it reassuring I have the policy.

I purchased the back to day policy that pays back to the start of any redundancy etc.

My only gripe is the 0845 number which is annoying rather than a free phone number - surely it's not hard to offer this to your paying customers!

I believe they are now part of Towergate which again is more reassuring if I have a complaint. They also have a lot of recommendations.

Jeff

I actually found them extremely helpful and price wise close to the other providers.

Most policies have a 3 month exclusion so this was to be expected.

Overall happy so far but haven't needed to claim!

An exclusion period mean of 120 days in layman's terms is like buying car insurance paying premiums for 4 months but you're not insured to drive until after the 4th month. This is very poor value.

Plus they have had significant price increases (86%) recently giving only 30 days notice!

In this climate it can be difficult to get alternative cover as many providers are not offering unemployment cover.

Get advice and avoid moneysavingexpert who con you with his recommendations so he gets commission and you get a poor value policy with lots of small print.

British Insurance offer a reviewable policy and contract which means that the policy cover and premiums can be changed as and when the insurance company chooses to, i had followed Martin Lewis's'expert'' advise as he recommended British Insurance....... 3 months after i had taken the policy out British Insurance had written to me to say that my policy premium was going to go up after 30 days by 86%..........86%! that was a riducalous increase which they claimed was due to the credit crunch. In all of my years i have never dealt with such a shambles of a company and aspecialy being advised by a total idiot who clearly does not know the policy or contract and simply gets paid to recommend a company without trying it himself! They have changed underwriters (the people who pay your claim out) 4 times in the last 2 years, THEY DO NOT GIVE ADVISE SO IF THE POLICY DOES NOT PAY OUT YOU ARE LEFT WITHOUT A LEG TO STAND ON! I will never look at British insurance ever again.

I found British Insurance on the internet and was amazed at their excellent service and prices. When i needed to claim on my mortgage policy from British Insurance they paid without fuss and helped me keep my home.