Multi-award winning redundancy insurance

Am I eligible to claim benefits under this insurance?

British Insurance is a multi-award winning insurance provider with awards for 'Excellence in Customer Service and 'Excellence in Treating Customers Fairly.' Accordingly we wish to point out that it is your responsibility to ensure that this insurance is both suitable to meet your needs and you are eligible to receive claims benefits.

Please check the information below to enable you to make an informed decision before you make an application.

You are only eligible to receive benefits under British Insurance Protection provided that you meet certain conditions. It is therefore essential that you satisfy yourself that the following conditions apply to you:

• I am permanently living and working in the UK.

• I am actively working in paid employment for at least 16 hours per week and I am eligible to register as unemployed.

• My work is not: temporary (including agency work), casual, seasonal, irregular, a period of training/apprenticeship or for a specific task.

• I have worked continuously for the past six months and if not, I am aware that I will need to have done so before I can claim for unemployment benefits.

• I am aware that I must continue to pay my premiums on time.

• I am aware that I will not be covered for any accident or sickness that occurred before the start date of my policy, or for any chronic or continuing medical conditions that I already have.

• If I am a Contract Worker (as defined by this insurance) my contract must be for a fixed term of at least 12 months. Furthermore I am aware of the additional requirements I will need to meet to support a claim following the natural expiry of my fixed term contract.

• If I am Self-Employed (as defined by this insurance) I am aware of the additional requirements I will need to meet to support a claim.

• I am aware that the sum insured under this and similar insurance policies must not exceed 50% of my monthly earned income before tax and if I exceed this limit my benefit will be reduced.

• I am aware of the 120 day initial exclusion period for unemployment or Carer Benefit.

• I am not aware of any impending unemployment, whether or not I have received official notification and my employer has not announced a programme of job losses, any departmental or company restructure or merger with another company. Furthermore, I am aware that I will not be covered for unemployment that arises from any programme of job losses, any departmental or company restructure, or merger with another company, announced by my employer before the start date of my policy, or within 120 days after the start date of my policy.