british friendly

British Friendly Income Protection

British Friendly Protect



Company Type

Friendly Society

Company Overview

British Friendly is a mutual society, founded to provide sickness benefits for commercial travellers and their families. Based in Bedford, it has become one of the larger UK Friendly Societies with 14,000 members and nearly £100 million in assets.

As a mutual provider, British Friendly offers a flexible approach to policies and claims and certain terms may be subject to negotiation to make your policy more personally suited to your circumstances.

British Friendly was awarded 5 stars by Defaqto in 2016 and saw some of the highest claims payout rates in 2016 out of the top UK Income Protection providers.

It was also the first Income Protection provider to extend its Care Assistance Benefit to cover individuals that are required to care for parents, parents-in-law, partner, spouses, and children (up to age 18).


British Friendly Income Protection key facts pdf.
British Friendly Income Protection policy terms pdf.

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By reaching this page you are eligible for two months FREE cover when you set-up your new Income Protection policy.

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Income Protection Overview

British Friendly’s Protect is a product with a very good claims history. It is one of the few Income Protection providers which will cover higher-risk occupations, such as pilots, using the own occupation incapacity definition.

  • British Friendly use an own occupation definition of incapacity for the vast majority of occupations, even ones that may not get this status with other insurers.
  • British Friendly pays their benefits on a weekly basis rather than monthly.
  • British Friendly doesn’t offer guaranteed premiums as an option, only age-banded premiums. This means your premiums will rise each year in line with your age.
  • While British Friendly offer 70% of your income, their maximum benefit is £45,000 per year. If you are a higher earner, you may need to use a different provider to insure your income.

British Friendly Income Protection Policy Conditions

Overview of Key Policy Details

Policy Type

Income Protection

Premium Type

Age Banded
Premiums increase each year in line with your age after the first year of your policy.

Maximum Claim Duration

Unlimited (to the policy’s retirement age)

Deferred Period

Day 1 / 1 / 4 / 8 / 13 / 26 / 52 weeks
Short-term policies have deferred periods of 1 / 4 / 8 / 13 weeks


You can choose between increase in benefits at a fixed rate of 5% or linked to inflation with a maximum increase of 10%.

Waiver of Premium

Automatically included
Waiver of premium kicks in after you have been claiming benefits for at least 28 days.

Maximum Cover

The lower of 70% of your annual pre-tax income or £45,000 per year

Minimum Benefit

£2,600 per year/£50 per week

Minimum Entry Age

18 years old

Maximum Entry Age

64 years old

Minimum Policy Term

5 years

Maximum Policy Term

Until your 70th birthday

Guaranteed Insurability

You can increase your benefit without further medical evidence if there are changes in your marital status, parental status, salary, or you increase/take out a new mortgage.

Drewberry’s British Friendly Income Protection Review

British Friendly is one of three leading friendly societies providing Income Protection. With no shareholders to be answerable to, British Friendly is run entirely for the benefit of its members.

Key Comparison Points

  • British Friendly offers own occupation cover to most occupations, even those deemed too high-risk to offer this level of cover by other insurers. This makes them a good insurance option for manual workers looking for comprehensive protection.
  • British Friendly is one of the few insurers that will offer Income Protection for pilots under the own occupation definition of incapacity.
  • While its maximum benefit limits will cover most earners looking for Income Protection, high earners may find that British Friendly’s policy limitations will significantly reduce their income if they need to claim. In which case, there are other insurers with a higher upper limit in terms of yearly benefits that may be more suitable.

British Friendly’s ‘Mutual Benefits’

With a British Friendly Income Protection policy, you become a member of the British Friendly society and so gain access to their Mutual Benefits.

Mutual Rewards

Get discounts and vouchers for high street shops and entertainment. You can also enter quarterly prize draws with prizes worth up to £1,000.

Mutual Wellbeing

Get up to 35% off Fitbit devices and smart weighing scales and access to Health MOTs, a wellbeing app and a wellbeing hub full of information about how to live a healthier and more balanced lifestyle.

Mutual Support

British Friendly offers extensive support services which you can spent your health support points on:

  • Virtual GP consultation
  • Physiotherapy
  • Counselling
  • Second medical opinion service

There’s also a support hub, offering links to charity helplines with useful resources to help individuals deal with life-altering events.

Mutual Partners

Use an online legal service to help you create your Will and have it finalised by a team of qualified lawyers. You can also use this benefit to purchase a Health Cash Plan, with prices starting as low as £2 a week, to get cash back on prescriptions, dental treatments, specialist consultations and more.

Other discounts include money off hotels, access to Travel Insurance for those with pre-existing conditions, and special discounts on car and van leasing.

Other Additional Benefits

  • Death benefit: 26 times weekly benefit should you die within policy term.
  • Bereavement benefit: 13 times weekly benefit following the death of insured’s partner, spouse, or child.
  • Care assistance benefit: £125 per week for up to 26 weeks for any partner, spouse or child who needs at least 35 hours a week full time care for 4 weeks or more.

Policy Exclusions

British Friendly excludes certain hazardous occupations that have high chances of causing injury or illness.

  • Armed forces personnel
  • Merchant navy personnel
  • Members of a military reserve force
  • Divers
  • Underground miners
  • Oil rig workers
  • Equestrian professions
  • Nightclub security personnel or bodyguards
  • Police officers (including Special Constables and Police Community Support Officers)
  • Professional or semi-professional athletes or sports persons
  • Firefighters (including reserve or retained firefighters)
  • Occupations that require the handling of explosives

Aside from these occupations, none other are specifically excluded from the policy. Some others may need to be considered on an individual basis however, such as occupations that require you to be at sea for long periods of time or work at great heights.

Financial Strength

British Friendly has been successfully operating for over 100 years and has close to £100 million in assets and over 14,000 members. Without the need to pay shareholders, its focus is solely on providing security for its members.

British Friendly Income Insurance: Questions and Answers

We aim to know the policies we advise on, inside out and back to front. Below is a couple of commonly asked questions with regards to the policy coverage of the British Friendly’s Income Protection Insurance product answered.

Q. Can I claim benefits for the same condition more than once?

A. Your ability to claim for the same condition with British Friendly Income Protection policy depends on the type of policy you have and how soon you try to claim again.

If you have a long-term Income Protection policy, you can claim for the same sickness or injury within 26 weeks of your last payment and have your deferred period waived.

If you have a short-term policy with British Friendly and have reached the end of your benefit payment period, you won’t be able to claim for that same condition again.

Q. Can I still receive benefits if I am outside of the UK?

A. Providing you are in the EU/Western Europe, Australia, Canada, New Zealand or the USA, British Friendly will pay claims for a maximum of 104 weeks. This is one of the longer terms of all Income Protection providers.

If you are residing anywhere else in the world, they will only pay claims for a maximum of 26 weeks. If you were already claiming benefits before leaving the UK, that time will be included in the maximum amount of weeks you can claim while abroad.

Q. I do a lot of driving as part of my occupation (about 30,000 miles per year) 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 may be able to gain this incapacity definition.

Need Expert Income Protection Advice?

As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2906 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
Tom Conner Director at Drewberry

If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.

Pop us a call on 02084327333 or email

Tom Conner

I had a great experience with Drewberry, they have a lot of knowledge and expertise with life insurance and income protection and were able to advise me and arrange suitable products. Highly recommend.

Lachlan Mellings
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