Drewberry™ provide pensions, investment and insurance advice for Money to the Masses readers throughout the UK.


British Friendly Income Protection

BFS Protect




Policy Terms PDF
Key facts PDF

Company Type

Friendly Society

Company Overview

Founded to provide sickness benefits for Commercial Travellers and their families British Friendly who are based in Bedford have become one of the larger UK Friendly Societies with 14,000 members and nearly £100m in assets.

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Type of Policy
Income Required
Date of Birth

Income Protection Overview

A product with very good claims history and one of the few traditional income protection policies which will provide higher risk occupations with an own occupation incapacity definition.


British Friendly use an ‘Own Occupation’ incapacity definition for the vast majority of occupations…


It is important to note that this plan has ‘Age Banded’ premiums which will rise at a set rate over the policy term. Please see BFS Protect Policy Terms for the rate table


It is good to know British Friendly publish their claim statistics where many insurers still decline to do so…


The British Friendly product has an application which includes full medical underwriting so you know exactly where you stand from the outset…


British Friendly Policy Details

An overview of the key policy details of British Friendly’s BFS Protect proposition.

Overview of Key Policy Details

Policy Type

Income Protection
Accident & Sickness Only


Friendly Society

Premium Type

Age Banded
The premiums will increase at a set rate over the life of the policy as you age.

Maximum Claim Duration

Limited term option also available paying out for a maximum of 12, 24 or 60 month period. (All limited term options have a 4 week deferred period only).

Incapacity Definition

Own Occupation
Incapacity definition for the majority of occupations. One of the few insurers who offer own occupation cover for individuals in higher risk job roles.

Deferred Period

1 / 4 / 8 / 13 / 26 / 52 weeks


Both the benefit and premium will automatically increase annually in line with the Retail Price Index.

Waiver of Premium


Maximum Cover
(% Income)

70% Gross
Taxable Earnings

Maximum Cover
(£ per month)


Max. Policy Cease Age

70 years old

Min. Policy Term

5 years

Min. Entry Age

18 years old

Max. Entry Age

64 years old

Guaranteed Insurability

  • Every third anniversary of the start date of your policy
  • Marriage or Civil Partnership
  • Childbirth or Adoption
  • Increasing mortgage on your primary residence

Guaranteed Benefit


Overseas Travel


Policy Exclusions

No Standard Exclusions

We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

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Drewberry reviews BFS Protect from British Friendly…

British Friendly is one of three leading Friendly Societies to provide income protection cover. With no shareholders to pay they are run for the benefit of their members.

Friendly Societies are often associated with providing a higher level of customer service and Drewberry are currently happy to recommend British Friendly.

Key Comparison Points

  • Offering own occupation cover to all but the most risky occupations (such as members of the armed forces), British Friendly are a very popular choice for manual workers looking to have this comprehensive level of protection;
  • It is important to note that the premiums charged are age-banded, so they go up over time as the policyholder grows older. Individuals in lower risk occupation may find it more cost-effective long-term to go with an insurer offering guaranteed premiums, even if they are higher from the outset;
  • Exeter Friendly are another leading Friendly Society and their rate table is currently less progressive than British Friendly’s, which means that the premiums generally rise less quickly over time (it is important to compare the total premiums over the life of the policy).

Policy exclusions

British Friendly does not currently have any standard exclusions on their policy. Naturally, there may be the need to apply medical exclusions for pre-existing conditions as part of the application underwriting process.

Although not stated as an exclusion, it is important to note that if you decide in the future to live outside of the United Kingdom British Friendly will only payout for up to two years.

Financial strength

Although British Friendly may not have the financial resources of most large publicly listed insurers, they have been successfully operating for over 100 years and have close to £100 million in assets and over 14,000 members. Also, without the need to pay shareholders their focus is solely on providing security for their members.



British Friendly Income Protection – Questions and Answers

A series of commonly asked questions with regards to the policy coverage of the British Friendly income protection insurance plan.

Q. I do a lot of driving as part of my occupation (about 30,000 miles per annum) and another insurer refused to offer own occupation cover after submitting an application, would British Friendly do the same?

A. British Friendly and a number of other Friendly Societies specialise in covering slightly higher risk jobs with an own occupation definition of incapacity. This means that even professional drivers who drive considerable mileage each year can gain this incapacity definition.

It is also worth saying that not all traditional income protection insurers would decline own occupation cover due to business mileage, for example, Liverpool Victoria (LV) do not have a mileage limit for risk classes two to four.

Q. What is the claims process with this type of cover? Will the insurer send someone to assess me?

A. As soon as you become incapacitated it is important to see your doctor and then call the insurer to let them know you are unable to work. The insurer will then send you a claims form to be completed. The insurer will likely need to see your Medical Certificate to confirm your incapacity.

In terms of ongoing assessment, the insurer may send a Medical Adviser to see you for an examination in combination with the recommendation of your medical professional (such as your GP or Consultant).

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4.92 / 5 Average
1,263 Reviews
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SAM Carr was exceptional, he made my life very easy by explaining all the details very clearly whilst giving me the best advice possible for myself.

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The overall experience which I have had can be summarized by Professional, Swift and friendly. I would recommend the service to others.
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Extremely helpful and rapid service at short notice.
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Very clear explanations of the options and then efficiently processed the transaction