Best Mortgage Insurance - Policy Booklet

 
Best Mortgage Insurance

Policy
Booklet

Protection When You Need It Most…   Page 1 of 29
INDEX

Section One – Introduction                                  Page 3

Section Two – Definitions                                   Page 4

Section Three – The Insurance Contract                      Page 7

Section Four – Eligibility                                  Page 9

Section Five - Disability Cover                             Page 10

Section Six - Unemployment Cover                            Page 12

Section Seven - Carer Cover                                 Page 15

Section Eight - Back to work Assistance                     Page 17

Section Nine - Premium and Termination of Insurance         Page 18

Section Ten- Changes                                        Page 20

Section Eleven - How to make a Claim                        Page 23

Section Twelve - Customer Service                           Page 26

Section Thirteen – Financial Services Compensation Scheme   Page 28

Protection When You Need It Most…                               Page 2 of 29
SECTION ONE

INTRODUCTION
This policy wording explains the benefits, terms and exclusions of Best
Mortgage Insurance and shows that provided you are eligible and have paid
the monthly insurance premium you are covered.

Please read this policy wording and your schedule carefully and make sure
you are eligible (please see Section 4 Eligibility), that Best Mortgage
Insurance meets your needs, and that you know what Best Mortgage
Insurance does and does not cover.

Cooling-off Period

We hope that you will be happy with Best Mortgage Insurance. However, if
Best Mortgage Insurance does not meet your needs you have 30 days from
the date you received your policy documents to cancel Best Mortgage
Insurance.

If you wish to cancel or you have any queries regarding Best Mortgage
Insurance, please call Best Insurance on: 0330 330 9465. For your
protection calls may be recorded and may be monitored.

Protection When You Need It Most…                                  Page 3 of 29
SECTION TWO                            Contract worker
                                       Employed on a contract for a
DEFINITIONS                            specific term or undertaking.

In Best Mortgage Insurance, the        Disability
following words and phrases have       • Any accident or sickness which
the meaning given next to them.           happens after the start date
These words and phrases will be in        which stops you from working
bold wherever they appear.                in your employment and is
                                          certified by a doctor.
Active Employment                      • Any complication of pregnancy
Carrying out the usual activities of      which is diagnosed by a doctor
working in your employment.               or consultant who specialises
                                          in obstetrics which happens
Best Insurance                            after the start date which
A trading name of Best Risk               stops you from working in
Management and Financial                  your employment and is
Services Limited.                         certified by a doctor.

Carer / caring                         We will not classify as disability,
You look after a member of your        normal pregnancy (including
immediate family on a full-time        multiple pregnancy) or childbirth,
basis and have completed a             including delivery by Caesarean
carer’s allowance claim pack and       section or any other medically or
are either in receipt of or awaiting   surgically assisted delivery which
a carer’s allowance from the           does not cause medical
Department for work and                complications.
Pensions.
                                       Doctor
Carer’s Allowance                      A medical practitioner who is
A taxable benefit paid by the          registered with the General
Department for Work and                Medical Council in the UK, and is
Pensions to an informal Carer.         not you, your spouse, your
                                       partner or a relative.
Cigna Insurance Services
Cigna Insurance Services (Europe)      Employed/employment/work
Limited.                               Permanent paid employment,
                                       including self-employment or as a

Protection When You Need It Most…                                  Page 4 of 29
contract worker, of at least 16       Maximum Monthly Benefits
hours per week.                       The total number of 12 monthly
                                      benefits paid in respect of one
Gross Monthly Income                  claim.
• If you are an employee, your
   average monthly gross taxable      Month
   earnings for the 12 months         Any 30 day period.
   immediately preceding the
   start date, the date of any        Monthly Benefit/Benefit
   subsequent increase in             The amount shown on your
   monthly benefit, or the start      schedule, up to 60% of your gross
   date of a claim.                   monthly income or £2000,
• If you are self-employed, the       whichever is the lesser.
   monthly average of the annual
   income you declared to HM          Mortgage
   Revenue & Customs on your          A residential new mortgage or re-
   self-assessment return for the     mortgage secured on the property
   tax year preceding the start       you occupy.
   date, the date of any
   subsequent increase in             Normal Pregnancy
   monthly benefit, or the start      Symptoms or a combination of
   date of a claim.                   minor symptoms, which usually
                                      accompany pregnancy and which
If you have been working for less     are generally of a minor and/or
than 12 months on the start date      temporary nature which do not
the average will be based on the      represent a medical hazard to
number of months you have             mother or baby.
worked.
                                      Self-employed/self-employment
Immediate Family                      Carrying on a business in the
Your spouse, civil partner, live in   United Kingdom alone or as a
partner, children, brother, sister    partner in a partnership,
and parents.                          controlling a company by having
                                      the majority of voting rights in that
Insurer, our, us, we                  company either alone or with
CIGNA Europe Insurance Company        others, or working for a company
S.A.-N.V.                             in which a person who is a
                                      member of your immediate

Protection When You Need It Most…                                 Page 5 of 29
family has control (either alone or
with others) over the company.

Start Date
The date Best Mortgage Insurance
commences, (provided this is no
earlier than 30 days before and no
later than 30 days after the
completion date of your
mortgage) , as shown on your
schedule.

Temporary Work
Employment for an indefinite
period which is not intended to be
permanent. Employment of this
nature via an employment agency
is considered to be temporary
work.

Unemployed/unemployment
Being out of work, registered as
unemployed with Jobcentre Plus
(in Great Britain), or the equivalent
government agency in Northern
Ireland. You must be available and
actively looking for employment.

Waiting Period
The 30 consecutive days of
disability, unemployment or
being a carer, which you have to
wait before your entitlement to
benefit.

You, your, insured person
The insured person named on your
schedule.

Protection When You Need It Most…       Page 6 of 29
SECTION THREE

THE INSURANCE CONTRACT

The Best Mortgage Insurance policy is a legal contract between you and us.
The policy wording, your schedule and any endorsements make one
document and you should read them together.

We will provide the cover set out in this policy, provided you pay the
premium and meet all the conditions.

The laws of England and Wales, Scotland and Northern Ireland allow us both
to choose the law which will apply to this contract. We have chosen Scottish
law to apply if you live in Scotland and the law of England and Wales to apply
if you live elsewhere in the United Kingdom. The language used in this policy
and any communications relating to it will be in English.

The insurer is CIGNA Europe Insurance Company S.A.-N.V. UK Branch
Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Registered in
Belgium with limited liability (Brussels trade register no. 0474624562),
Avenue de Cortenbergh 52, 1000 Brussels, Belgium. Subject to the prudential
supervision of the National Bank of Belgium, Boulevard de Berlaimont 14,
1000 Brussels (Belgium) and to the supervision of the Financial Services and
Markets Authority (FSMA), rue du Congrès 12-14, 1000 Brussels (Belgium), in
the field of consumer protection and subject to limited regulation by the
Financial Conduct Authority. Details of the extent of our regulation by the
Financial Conduct Authority are available on request.

Best Mortgage Insurance is managed and claims are administered on behalf
of the insurer by Cigna Insurance Services (Europe) Limited. Cigna Insurance
Services (Europe) Limited is registered in England & Wales No. 4617110,
Registered Office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB.
Cigna Insurance Services (Europe) Limited is authorised and regulated by the
Financial Conduct Authority.

The policy is issued and administered on behalf of Cigna Insurance Services
by Best Insurance which is a trading name of Best Risk Management and
Financial Services Limited who are authorised and regulated by the Financial
Conducts Authority (FCA registration number 583497). Registered office is

Protection When You Need It Most…                                        Page 7 of 29
Gemini Business Centre, 136-140, Old Shoreham Road, Hove BN3 7BD
(Registered No. 07095571).

Best Mortgage Insurance is issued for an initial period of three months from
the Start Date and will automatically continue from the fourth month and
each subsequent month, on payment of each month’s premium as it falls
due until cover under your policy terminates or is cancelled, as described in
Section 9.

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SECTION FOUR

ELIGIBILITY

You are eligible for Best Mortgage
Insurance provided that on the
start date of the policy you:

•        have a mortgage, or a
         mortgage offer from a
         lender;
•        are aged 18 or over and
         under 65;
•        are living and working
         permanently in the United
         Kingdom;
•        are in employment; and
•        are not aware of any
         impending unemployment,
         whether or not you have
         received official notice, and
         your employer has not
         announced any job losses,
         departmental or company
         restructure, or a merger with
         another company.

If you are a contract worker you
are still eligible for cover however
exclusion (v) in Section 6 may
apply.

Protection When You Need It Most…        Page 9 of 29
SECTION FIVE                          If there are less than three
                                      consecutive months of active
DISABILITY COVER                      employment between two periods
                                      of disability, we will classify those
What we will cover:                   two periods as one continuous
If you cannot work for at least 30    period of disability and pay up to
days in a row, because of             an aggregate of the maximum
disability, an amount equal to        monthly benefits in total. We will
1/30th of the monthly benefit will    not pay benefit for the time you
become payable for each day of        were working between the two
your disability.                      periods. Only one waiting period
                                      will be applied.
Benefit will be paid until:
•   you return to active              For example
    employment;
•   we have paid the maximum          Customer B has received three
    monthly benefits; or              monthly benefits and returned to
•   cover ends as described in        work, but within three month’s
    Section 9; whichever happens      they are unable to work again due
    first.                            to disability, either the same cause
                                      or a new one. This is treated as a
Benefit will be paid on a monthly     continuation of the previous claim.
basis if you have been off work for   They will not have to go through
a full month. If you return to work   the waiting period before benefits
before a full month has passed,       become payable again. As they
we will pay you an amount equal       have already received three
to 1/30th of the monthly benefit      monthly benefits for the earlier
for each day you have been off        period, the maximum payable for
work up until the day you return      the second period will be nine
to work.                              monthly benefits.

For example
                                      If a period of disability is
Customer A has selected a monthly     immediately followed by a period
benefit of £500, and was unable to    of unemployment or caring or a
work for 105 days due to sickness.    period of unemployment or
They would receive benefits for       caring is immediately followed by
105 days, totalling £1,750.           a period of disability, we will
                                      classify these two periods as one

Protection When You Need It Most…                                 Page 10 of 29
continuous claim and pay up to an                 back within 12 months after
aggregate of the maximum                          the start date;
monthly benefits in total. Only
one waiting period will be applied.        iii)   which is a result of
                                                  intentional self-inflicted
After the maximum monthly                         injuries;
benefits have been paid for any
period of disability, further claims       iv)    which is a result of taking
for disability will only be                       alcohol or drugs, (unless
considered under the following                    they are taken under the
circumstances:                                    direction of a doctor and
                                                  are not for the treatment of
•     If the reason for claiming is as a          drug addiction);
      result of the same cause, there
      must have first been six             v)     as a result of you being
      month’s active employment.                  detained in prison under the
•     If the reason for claiming is as a          direction of a court of law.
      result of a new cause, there                (This will not apply if you are
      must have first been one                    later acquitted.); or
      month’s active employment.
                                           vi)    arising from war (whether
You cannot claim for disability                   declared or not), military
and unemployment or caring at                     duty in peacekeeping
the same time.                                    operations outside the
                                                  United Kingdom, invasion,
What we will not cover:                           riot as an active participant,
Best Mortgage Insurance does not                  revolution or any similar
cover any period of disability:                   event.
i)    which occurred before the
      start date;

ii)      as a result of any medical
         condition for which
         treatment had been given or
         diagnosis had been made or
         investigations commenced
         during the 12 months
         immediately before the
         start date and which comes

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SECTION SIX                           We will not classify as
                                      unemployment any period for
UNEMPLOYMENT COVER                    which you receive payment instead
                                      of working your notice (i.e.
What we will cover:                   payment in lieu of notice). After
If you become unemployed and          this period, you then have to be
cannot work for at least 30 days in   unemployed for the waiting
a row, an amount equal to 1/30th      period before you will be able to
of the monthly benefit will           make a claim.
become payable for each day of
your unemployment.                    If there are less than three
                                      consecutive months of
Benefit will be paid until:           employment between two periods
•   You return to work;               of unemployment, we will classify
•   We have paid the maximum          those two periods as one
    monthly benefits; or              continuous period of
•   cover ends as described in        unemployment and pay up to an
    Section 9; whichever happens      aggregate of the maximum
    first.                            monthly benefits in total. We will
                                      not pay benefit for the time you
Benefit will be paid on a monthly     were working between the two
basis if you have been off work for   periods. Only one waiting period
a full month. If you return to        will be applied.
work before a full month has
passed, we will pay you an amount     For example:
equal to 1/30th of the monthly        Customer B has received two
benefit for each day you have         monthly benefits and returned to
been off work up until the day you    work, but within three months they
return to work.                       become unemployed again. This is
                                      treated as a continuation of the
For example:                          previous claim. They will not have
Customer A selected a monthly         to go through the waiting period
benefit of £500, and was              before benefits become payable
unemployed for 75 days. They          again. As they have already
would receive benefits for 75 days,   received two monthly benefits for
totalling £1,250.                     the earlier period, the maximum
                                      payable for the second period will
                                      be ten monthly benefits.

Protection When You Need It Most…                               Page 12 of 29
If a period of unemployment is        received from all jobs before your
immediately followed by a period      claim.
of disability or caring or a period
of disability or caring is            What we will not cover:
immediately followed by a period      Best Mortgage Insurance does not
of unemployment, we will classify     cover any period of
these two periods as one              unemployment:
continuous claim and pay up to an
aggregate of the maximum              (i)     which occurred before the
monthly benefits in total. Only               start date;
one waiting period will be applied.
                                      (ii)    if you were not in
After the maximum monthly                     employment for six
benefits have been paid for any               consecutive months prior to
period of unemployment or                     your first unemployment
caring, further claims for                    claim;
unemployment or caring will only
be considered if there has first      (iii)   which you knew to be
been six consecutive months                   impending at the start date,
employment.                                   whether or not you had
                                              received official notice;
You cannot claim for disability
and unemployment or caring at         (iv)    which arises from any
the same time.                                programme of job losses,
                                              any departmental or
If during a claim for                         company restructure, or
unemployment you take                         merger with another
temporary work, your claim will               company, announced by
be suspended for the period of                your employer before the
temporary work.                               start date;

If you qualify for an                 (v)     If you are a contract
unemployment claim but                        worker and:
continue to work part-time you will           • your contract ends
be entitled to a proportion of your               before its natural expiry
monthly benefit. We work this                     date; benefit will not be
out according to the proportions of               paid for any period
your average gross income                         beyond the date your
                                                  contract would have

Protection When You Need It Most…                                  Page 13 of 29
otherwise naturally                detained in prison under the
               expired; or which arises           direction of a court of law.
               from the natural expiry            (This exclusion will not apply
               date of your contract              if you are later acquitted.);
               unless;
         •     immediately prior to       (xi)    as a result of any medical
               your claim, you have               condition for which
               been employed on a                 treatment had been given or
               fixed term contract with           diagnosis had been made or
               the same employer for a            investigations commenced
               period of 24 consecutive           during the 12 months
               months or more; or                 immediately before the start
         •     immediately prior to the           date and which comes back
               commencement of your               within 12 months after the
               fixed-term contract, you           start date;
               were employed on a
               permanent basis by the     (xii)   which is a result of
               same employer;                     intentional self-inflicted
                                                  injuries;
(vi)    which results from you
        voluntarily leaving your          (xiii) which is a result of taking
        employment unless as a                   alcohol or drugs, (unless they
        result of constructive                   are taken under the direction
        dismissal;                               of a doctor and are not for
                                                 the treatment of drug
(vii)   due to a normal or seasonal              addiction); or
        occurrence or which is a
        regular feature of your           (xiv) arising from war (whether
        employment;                             declared or not), military duty
                                                in peacekeeping operations
(viii) after a period of casual,                outside the United Kingdom,
       temporary or occasional                  invasion, riot as an active
       work;                                    participant, revolution or any
                                                similar event.
(ix)    which results from
        misconduct leading to your
        dismissal;

(x)     as a result of you being

Protection When You Need It Most…                                        Page 14 of 29
SECTION SEVEN                           periods. Only one waiting period
                                        will be applied.
CARER COVER
                                        If a period of caring is immediately
What we will cover:                     followed by a period of disability
If you voluntarily leave your work      or unemployment or a period of
to become a carer for at least 30       disability or unemployment is
days in a row, we will pay an           immediately followed by a period
amount equal to 1/30th of the           of caring, we will classify these two
monthly benefit for each day you        periods as one continuous claim
are a carer.                            and pay up to an aggregate of the
                                        maximum monthly benefits in
Benefit will be paid until;             total. Only one waiting period will
•   You cease to be a carer;            be applied.
•   We have paid the maximum
    monthly benefits; or                After the maximum monthly
•   cover ends as described in          benefits have been paid for any
    Section 9; whichever happens        period of caring or
    first.                              unemployment, further claims for
                                        caring or unemployment will only
Benefit will be paid on a monthly       be considered if there has first
basis if you have been a carer for      been six consecutive months
a full month. If you cease to be a      employment.
carer before a full month has
passed, we will pay you an amount       You cannot claim for disability
equal to 1/30th of the monthly          and unemployment or for caring
benefit for each day you have           at the same time.
been a carer.
                                        What we will not cover:
If there are less than three            Best Mortgage Insurance does not
consecutive months of                   cover any period of being a carer:
employment between two periods
of caring, we will classify those two   i)    if at the start date we
periods as one continuous period              reasonably believe you were
of caring and pay up to an                    aware of the need, or likely
aggregate of the maximum                      need at any time in the
monthly benefits in total. We will            future, for a member of
not pay benefit for the time you              your immediate family to
were working between the two                  require a carer;

Protection When You Need It Most…                                   Page 15 of 29
ii)      where the person you are
         caring for is not a member
         of your immediate family;
         or

iii)     arising from war (whether
         declared or not), invasion,
         riot as an active participant,
         revolution or any similar
         event.

Protection When You Need It Most…         Page 16 of 29
SECTION EIGHT

BACK TO WORK ASSISTANCE

The benefits of Best Mortgage
Insurance include an
unemployment telephone
assistance service. This service is
provided by an independent team
of expert advisers. It is completely
confidential and calls will not be
recorded. The costs of this service
will be met by us.

This service provides:

• Telephone advice and a “Back to
  work” guide containing practical
  help and guidance on job
  seeking, CV preparation and
  interview techniques.
• Access to a job vacancy database
  that is updated daily with jobs
  that are not necessarily
  advertised.

In the event that we accept a claim
under Section 6 Unemployment
cover, we will then arrange for an
adviser to contact you.

Protection When You Need It Most…      Page 17 of 29
SECTION NINE                                date it is due.

PREMIUM AND TERMINATION OF               (iv) In the event of fraud, we may
INSURANCE                                     cancel your Best Mortgage
                                              Insurance immediately and no
Premium                                       refund of premiums will be
                                              given.
Your premium is payable monthly
                                         (v) We may cancel Best Mortgage
and collected by Best Insurance
                                             Insurance by Best Insurance
by direct debit.
                                             giving you 90 days' notice in
                                             writing at your last known
Cancellation of your insurance
                                             address. If we do, any
                                             premium you have paid for the
(i)      Your cover and entitlement
                                             period after the cancellation
         to benefit will end
                                             date will be refunded. It may
         automatically as soon as one
                                             become necessary for us to
         of the following occurs:
                                             cancel your Best Mortgage
      • You retire from                      Insurance due to:
        employment;
      • You reach the age of 65; or         •   You failing to provide any
      • You die.                                material information that we
.                                               ask for in your application
(ii) You may cancel Best Mortgage               for Best Mortgage Insurance
     Insurance by giving Best                   or in relation to any claim,
     Insurance 14 days' notice in           •   any actual or predicted legal
     writing at Best Insurance,                 or regulatory requirement,
     Gemini Business Centre, 136-           •   an actual or projected
     140, Old Shoreham Road, Hove               unforeseen increase in
     BN3 7BD. You may be entitled               claims under all policies of
     to a refund of any premium                 the same type issued by us,
     you have paid for the period               or
     after the cancellation date            •   an unforeseen event that
     provided you have not made a               prevents us from continuing
     claim                                      to provide, or Best
                                                Insurance or Cigna
(iii) Your Best Mortgage Insurance              Insurance Services
      will end automatically if you do          continuing to administer,
      not pay your premium on the               Best Mortgage Insurance.

Protection When You Need It Most…                                   Page 18 of 29
If your Best Mortgage Insurance is
cancelled due to (i) above, no claim
payments will be made after the
date of cancellation.

If your Best Mortgage Insurance is
cancelled due to (ii), (iii) or (v)
above, claim payments will be
made for any valid claim which
occurs before the cancellation
date.

Protection When You Need It Most…      Page 19 of 29
SECTION TEN                            How you can change your
                                       Monthly Benefit:
CHANGES                                The monthly benefit may be
                                       amended by contacting Best
How we can change Best                 Insurance on 0330 330 9465, you
Mortgage Insurance:                    will then be sent an amendment
We will periodically review            form to complete. For your
premium rates and policy terms         protection calls may be recorded
and have the right to amend them       and may be monitored. Providing
to reflect:                            we accept your application, the
                                       change will take effect from the
    •    the actual or projected       date we accept the amendment,
         increases or reductions in    provided that you are not receiving
         the claims experience from    monthly benefit under Best
         all of the policies of the    Mortgage Insurance or you are
         same type issued by us,       aware of any impending claim.
    •    changes in the general law
         or to the decisions of the    What we will not cover following
         Financial Ombudsman           an increase in Monthly Benefits:
         Service, or                   The following additional exclusions
    •    to meet regulatory            will apply to the increase in
         requirements or to reflect    monthly benefit:
         new industry guidance and
         codes of practice which are   Section 5 Disability cover and
         there to raise standards of   Section 6 Unemployment cover
         consumer protection.          We will not pay the increase in
                                       monthly benefit for any claim
We will give you notice of any         caused by or resulting from any
changes that We have to make by        medical condition:
giving you at least 90 days written
notice at your last known address.     •   which you knew about on or
                                           before the date you applied
If we make any alterations and you         for the increase; or
are unhappy with those changes,        •   for which treatment had been
you can cancel your Best                   given or diagnosis had been
Mortgage Insurance as set out in           made or investigations
Cancellation of your insurance (ii)        commenced during the 12
above.                                     months immediately before
                                           the date you applied for the

Protection When You Need It Most…                                 Page 20 of 29
increase and which comes             member of your immediate
      back within 12 months after          family requiring a carer was
      the date you applied for the         due to or caused by an
      increase.                            unforeseen event happening
                                           after the date you applied for
Section 6 Unemployment cover               the increase).
We will not pay the increase in
monthly benefit for any                If your monthly benefit exceeds
unemployment claim where:              your monthly mortgage
                                       repayment and related outgoings,
•   Your employment ends within        then any payments made under
    120 days of the date you           Best Mortgage Insurance may
    applied for the increase; or       affect your entitlement to certain
•   You knew the unemployment          State benefits. Your local Job
    to be impending at the date        centre Plus will be able to provide
    you applied for the increase,      you with more details; or go to
    whether or not you had             https://www.gov.uk/benefits-
    received official notice.          adviser.

Section 7 Carer cover
We will not pay the increase in        Telling us about changes in your
monthly benefit for any caring         circumstances:
claim where:                           Please tell Best Insurance if any of
                                       your circumstances change which
•   on or before the date you          may affect your Best Mortgage
    applied for the increase we        Insurance.
    reasonably believe you were
    aware of the need, or likely       Examples of some changes you
    need at any time in the future,    should tell Best Insurance about
    for a member of your               are:
    immediate family to require a
    carer; or                          •   If your employment status
•   within the first 120 days of the       changes
    date you applied for the           •   If you change address
    increase you apply for a carer’s
    allowance, or are notified of      If you no longer have a mortgage,
    receipt of a carer’s allowance     you can keep Best Mortgage
    (This exclusion will not be        Insurance, to provide you with an
    applied if the condition of the    income when you can not work

Protection When You Need It Most…                                  Page 21 of 29
through disability,
unemployment or you need to be
a carer.

Please note that this is not a
complete list. If you are not sure
whether you need to tell Best
Insurance about a change in
circumstances, tell Best Insurance
anyway.

Protection When You Need It Most…    Page 22 of 29
SECTION ELEVEN                         •   You are registered as
                                           unemployed with Jobcentre
HOW TO MAKE A CLAIM                        Plus (in Great Britain), or the
                                           equivalent government agency
If you need to make a claim, please        in Northern Ireland. You must
call Cigna Insurance Services on           be available and actively looking
0844 209 8764. For your                    for employment.
protection calls may be recorded
and may be monitored. We will          We may also require the name and
take the details of your claim and     address of your accountant, if you
advise you of the next steps.          have one.
Please have your policy number
                                       If you are a carer making a claim,
available when you call.
                                       We need satisfactory proof that
For a disability claim your doctor     you are required to look after a
will need to provide details. The      member of your immediate
start date of your claim will be the   family, that you have completed a
date your doctor has certified you     carer’s allowance claim pack and
as unfit for work.                     are either in receipt of or awaiting
                                       a carer’s allowance.
For an unemployment claim you
should register with Jobcentre Plus    •    We may ask you to provide
as soon as you become                       copies of your mortgage
unemployed. The start date of               documents that show when
your claim will be the date you             your mortgage started.
have registered with the Jobcentre
                                       •    Correspondence should be
Plus as being unemployed.
                                            sent to Cigna Insurance
If you are self-employed, or are            Services, 1 Drake Circus,
an employee who has a controlling           Plymouth PL1 1QH.
interest in the company which is
employing you, and you are             •    When making a claim any
making an unemployment claim,               reasonable proof required
you must provide proof that:                must be provided at your
                                            expense.
•   You have involuntarily ceased
    trading and declared this to HM    •    We reserve the right to make
    Revenue & Customs. You will             any enquiries relating to your
    be required to supply a copy of         claim, contact your employers
    this notification to us, and            or ask you to undergo an
                                            independent medical

Protection When You Need It Most…                                  Page 23 of 29
examination at our expense.      Should you make any claim which
                                        is false or fraudulent in any
•      All claim payments will be       respect, you will forfeit all rights
       made to your bank account.       under Best Mortgage Insurance,
•      If you or your partner are       which will be cancelled from the
       eligible for any State benefit   start date of the claim. Any monies
       to assist with your mortgage     paid to you will be recovered and
       interest payments, you           no refund of premium will be
       should advise Jobcentre Plus     made.
       if you are also claiming under
       Best Mortgage Insurance.         Over Insurance
                                        We may ask you to provide the
       Any other state benefit you      following:
       receive may be affected if
       your monthly benefit under       •   If you are an employee - salary
       Best Mortgage Insurance              slips or a P60 tax document.
       exceeds your monthly             •   If you are self-employed - bank
       mortgage repayment and               statements or your accounts.
       mortgage related outgoings.
       your local Jobcentre Plus will   In order to confirm your monthly
       be able to provide you with      benefit does not exceed 60% of
       more details or go to:           your gross monthly income. In
       https://www.gov.uk/benefits-     the event your monthly benefit
       adviser.                         does exceed 60% of your gross
                                        monthly income, the benefit
When you tell us about                  payable will be reduced
circumstances which may or may          proportionately. You will receive a
not give rise to a claim, the           proportionate refund of premium.
information on your application
form and any other information          Other Insurances
you provide relating to these           We may ask you to provide details
circumstances, will be put onto a       of other income, repayment or
register of claims, through which       payment protection insurance
insurers share such information to      policies under which you may also
prevent fraudulent claims. A list of    be claiming disability,
participants and the name and           unemployment or carer benefits.
address of the operator are             In these circumstances the
available from Cigna Insurance          monthly benefit will be reduced
Services on request.                    so that the total benefits paid,

Protection When You Need It Most…                                   Page 24 of 29
under all such insurances do not
exceed 60% of your gross
monthly income. You will receive
a proportionate refund of
premium.

Protection When You Need It Most…   Page 25 of 29
SECTION TWELVE                        Plymouth, PL1 1QH
                                      Telephone: 0844 4124683.
CUSTOMER SERVICE                      E.mail:
You have the right to expect the      customerrelations.plymouth@cig
best possible service and support.    nainsurance.co.uk
If Best Insurance or Cigna
Insurance Services has not            For your protection calls may be
delivered the service that you        recorded and may be monitored.
expected or you are concerned
with the service provided, Best       What to do if you are still not
Insurance or Cigna Insurance          satisfied:
Services would like the               If you are still not satisfied then
opportunity to put things right. If   you may be able to refer your
you feel we have fallen short of      complaint to the Financial
our standards, please contact Best    Ombudsman Service. You must
Insurance or Cigna Insurance          approach the Financial
Services.                             Ombudsman Service within six
                                      months of our final response to
Best Insurance is responsible for     your complaint. We will remind
complaints arising out of the issue   you of the time limits in the final
and administration of the policy.     response.
Cigna Insurance Services is
responsible for complaints arising    Financial Ombudsman Service
out of the policy itself and the      Exchange Tower
administration of claims.             Harbour Exchange Square
                                      London
Post:                                 E14 9GE
Best Insurance
Gemini Business Centre                Telephone
136-140, Old Shoreham Road            0800 0234 567, free for people
Hove BN3 7BD                          phoning from a "fixed line" (for
Telephone: 0330 330 9465              example, a landline at home)
Email: info@bestinsurance.co.uk
                                      Or
Post:
Cigna Insurance Services (Europe)     0300 123 9123, free for mobile-
Limited                               phone users who pay a monthly
Customer Relations Department         charge for calls to numbers
1 Drake Circus                        starting 01 or 02

Protection When You Need It Most…                                  Page 26 of 29
Email: complaint.info@financial-
ombudsman.org.uk
Website: www.financial-
ombudsman.org.uk

We must accept the Ombudsman’s
final decision, but you are not
bound by it and may take further
action if you wish.

Your rights as a customer to take
legal action remain unaffected by
the existence or use of Cigna
Insurance Services’ complaints
procedure. However the Financial
Ombudsman Service may not
adjudicate on any cases where
litigation has commenced.

Protection When You Need It Most…   Page 27 of 29
SECTION THIRTEEN                        registration number 583497).
                                        Registered office is
FINANCIAL SERVICES
COMPENSATION SCHEME (FSCS)              Gemini Business Centre
                                        136-140, Old Shoreham Road
CIGNA Europe Insurance Company          Hove
S.A.-N.V. is covered by the Financial   BN3 7BD
Services Compensation Scheme            (Registered No. 07095571).
(FSCS). If they are unable to meet
their obligations, you may be           Cigna Insurance Services (Europe)
entitled to compensation from the       Limited is authorised and
scheme, depending on the type of        regulated by the Financial Conduct
insurance and the circumstances         Authority and is registered in
of the claim. Further information is    England & Wales No. 4617110,
available from the FSCS at              Financial Services Register number
www.fscs.org.uk or by contacting        310671. Registered Office:
them at:
                                        Chancery House
10th Floor, Beaufort House              St Nicholas Way
15 St Botolph Street                    Sutton
London                                  Surrey
EC3A 7QU                                SM1 1JB

or by telephone on 0800 678 1100        CIGNA Europe Insurance Company
or 020 7741 4100.                       S.A.-N.V. UK Branch Chancery
                                        House, St Nicholas Way, Sutton,
This policy is administered by Best     Surrey SM1 1JB. Registered in
Insurance. This policy is managed       Belgium with limited liability
and claims are administered by          (Brussels trade register no.
Cigna Insurance Services (Europe)       0474624562), Avenue de
Limited and underwritten by             Cortenbergh 52, 1000 Brussels,
CIGNA Europe Insurance Company          Belgium. Subject to the prudential
S.A.-N.V.                               supervision of the National Bank of
                                        Belgium, Boulevard de Berlaimont
Best Insurance is a trading name of     14, 1000 Brussels (Belgium) and to
Best Risk Management and                the supervision of the Financial
Financial Service Limited who are       Services and Markets Authority
authorised and regulated by the         (FSMA), rue du Congrès 12-14,
Financial Conducts Authority (FCA       1000 Brussels (Belgium), in the

Protection When You Need It Most…                                  Page 28 of 29
field of consumer protection and
subject to limited regulation by the
Financial Conduct Authority.
Details of the extent of our
regulation by the Financial Conduct
Authority are available on request.

You can check this information on
the Financial Services Register by
visiting the website
http://www.fca.org.uk/register/

BEMPPD (05-14)

Protection When You Need It Most…      Page 29 of 29
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