British Insurance Limited Mortgage Protection Review

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2 stars
Average rating for this product is: 2 out of 5

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Guest's Review of British Insurance Limited Mortgage Protection

6th Jul 2009

Overall Rating

0 stars
  • Value for money
    1.5 stars
  • Type of cover
    Full Cover
  • Have you made a claim
    No
  • Customer Service
    0 stars
Good Points

None


Bad Points

THEY DO NOT GIVE ADVISE SO IF THE POLICY DOES NOT PAY OUT YOU ARE LEFT WITHOUT A LEG TO STAND ON!
They have changed underwriters (the people who pay your claim out) 4 times in the last 2 years,
The policy is a temporary contact which can be taken away the same as a temporary job!
The customer servise is terrib;e as they cannot advise the best policy for you, instead they tell you to go onto their website!


General Comments

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.

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Members' Comments onGuest's Review

  • 111John Rank: Lance Corporal on 14th Oct 2009

    I found this review very helpful because... I have has the same experience. Some companies offer cover fixed for at least a year for this very reason. The last thing you want is dirt cheap cover when your unlikely to claim but when we hit recession prices increase significantly. To out salt in the wounds at lot of other providers have pulled out and are not currently offering unemployment only cover.

    So buyer beware going for the cheapest cover is not always the best you should consider the full terms and conditions and take advice as the commission you pay websites such as moneysavingexpert pays him for bad advice that does not give you the support an advised sale provides.

    Why is moneysavingexpert Martin Lewis still recommending this policy it has an 120 day initial exclusion which is really bad considering the best policy has 30 days. I let you make you make your own mind up.