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British Friendly – How many Income Protection claims were paid in 2018?


The top three reasons for claiming were stated to be Orthopaedic, viral illness/respiratory and mental health.

Income protection (IP) provider British Friendly paid 94.7% of claims in 2018, statistics show.

Since 2005, the insurer has paid an annual average of 96.2% of all IP claims.

Of the declined claims, 1.3% were for non-disclosure and 4% were for not meeting the definition of incapacity.

The main reasons for claims are orthopaedics (44%), viral illness/respiratory (17%), psychiatric (11%), cardiovascular (5%), digestive (5%) and neurological (5%).

Source: Health Insurance and protection daily Jan 2019

Financial support and recovery

British Friendly launched immediate support payment, recovery support benefit and terminal illness benefit as well as a string of mutual benefits during 2018.

“This means income protection cover which not only protects them from the financial implications of an income shock caused by illness or accident, but also helps them on the road to recovery. To this end we have continued to innovate, launching several new initiatives not usually covered by a typical income protection policy, such as recovery support benefit and legal support, at no extra cost.” Andy Parker Claims and Underwriting Director British Friendly.

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Alternatively you might prefer to speak with one of our expert advisers?

They will take into account your medical history. Any quote which they provide to you will take into account to your situation, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

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Please feel free to read our Independent client reviews, or read about the team at Future Proof.


Find out more about Income Protection Insurance.

Do you suffer with a medical condition and are concerned you can’t secure Income Protection, Life or Critical Illness Insurance?  

Please view our ‘Medical Guides’ for further information.

It pays to speak with an expert who knows the market and can obtain the best cover, as every situation is different and getting advice really can save you a lot of time and effort.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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