Insurance
To see the full extent of the areas where we can make a difference, select a product or service from those offered here.
Save 20% on your first two years’ PG Mutual income protection policy
- Have you ever considered how you’d cope financially if illness or injury prevented you from working? Could you manage the mortgage or rent and keep up with all the bills? An Income Protection Plus plan from PG Mutual offers you peace of mind, providing a regular income to keep you, your home and your family fully protected.
Terms and conditions apply.
- Income protection for professionals unable to work through illness or injury
- Up to 70% of your gross earnings can be covered
- Price guarantee: if you find a cheaper like-for-like policy, PG Mutual will match the price for your first two years and give you £100 of high street vouchers
- No penalties for claiming and no limit to the number of claims you can make
- Cover lasts until you recover are reach age 65
Plus, as we are a not-for-profit organisation, we share any profits we make with you through a profit share account with a view to providing you with a lump sum when your policy matures.
Additional features
- Enhanced Loyalty Bonus: PG Mutual aim to top-up your profit share account to £10,000 and provide your next of kin with 6 months income benefit in the event of your death
- Free current access to a GP24 app enabling you to quickly consult by phone, video or message with a qualified, NHS practising GP
- Shortened underwriting on Standard cover
It couldn’t be easier or quicker to get an online quote and the protection starts on the day you join. Save 20% on your first two years’ premiums as a member*.
Member Wellbeing Counselling Service
PG Mutual Members now have access to a Confidential Member Wellbeing Counselling service from Validium*. This is included in your membership so there are no additional fees. This additional service will assist members with personal or work-related problems likely to affect their wellbeing. In addition to the “in the moment” support when a single call with a counsellor could help you deal with a challenging situation at home or at work, members will have up to six structured Telephone or Face to Face Counselling sessions with fully trained specialists who can assess and treat a range of mental health conditions as well as offering emotional and behavioural support.
Members will also have access to support for a range of more practical concerns. Legal information and guidance is available on a wide range of issues such as elder and dependent care, preparing your Will or planning to get Power of Attorney as well as information on debt or money related concerns. The confidential telephone helpline is available 24/7, 365 days a year and is available to members and their immediate dependents (spouse/partner or adult children 16-23 living in the same house).
Members can access the Member Wellbeing Counselling service via PG Mutual’s Member Area.
*Confidential Counselling is provided by Validium, part of HealthHero.
How to redeem your benefit
- Click here to get a quote online, and enter the discount code BABTAC.
- Alternatively call PG Mutual on 0800 146 307, quoting your discount code BABTAC.
View Privacy Policy and Terms & Conditions
The BABTAC Income Protection Insurance Price Promise
If you can find the same cover for less within 14 days, PG Mutual will try their best to match the price. Terms and conditions apply: a written quotation must be supplied by way of proof. This quotation must be on a like-for-like basis. Like-for-like means in all material respects including these fundamental factors – cover limits, cover basis, cover period and applicant details. It should be presented either before purchase or within 14 days of purchase. If you find what appears to be a better deal, contact PG Mutual (for PG Mutual's privacy statement click here).
Terms and Conditions
* For full Ts&Cs, visit pgmutual.co.uk/Terms-and-Conditions
^Applies to existing members as well.
Offer subject to PG Mutual’s terms and conditions. Applies to new PG Mutual members only and excludes uplifts. Cannot be used in conjunction with any other offer. This benefit is aimed at UK residents only.
Read the full terms and conditions and Privacy Policy here.
Company details
Free to Work Consultancy is an introducer appointed representative of Pharmaceutical and General Provident Society Ltd who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, Firm Reference Number 110023.
Company details. This page is run by Free To Work Consultancy Limited whose registered office and business address is 71 Prince Charles Road, St Peters, Broadstairs. Kent, CT19 3HH, United Kingdom. Our company registration number is 4703137. If you need to contact us then you can use this e-mail address keith@fwcltd.co.uk. Free to Work Consultancy is an introducer appointed representative of Pharmaceutical and General Provident Society Ltd who are authorised and regulated by the Financial Conduct Authority and you can check this out on the Financial Services Register under reference 110023 at https://register.fca.org.uk/. Free to Work Consultancy Ltd gets paid a flat monthly fee from Pharmaceutical and General Provident Society Ltd for licensing and managing several web pages that display PG Mutual promotions.
Have you found what appears to be a better deal? Get in touch with PG Mutual here:
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20% off travel insurance with Columbus Direct
- Free airport lounge access if your flight is delayed for more than 1 hour
- 5 days free unlimited global Wi-Fi access, including access to global SOS travel alerts
- Over 150 sports and activities covered free
- Over 15 million customers since 1988
Terms and conditions apply.
Jetting off? Nobody likes to think of the unexpected happening on holiday. But the fact is that things like lost passports, lost or stolen cash and accidents can happen to anyone.
With Columbus Direct you get a choice of different packages and extra options so that you can select the cover you need to travel in confidence - without blowing your holiday budget.
The Silver Package (middle range) includes £10 million cover for medical expenses, cancellation cover, protection for your belongings, cover for over 150 sports and activities (but not winter sports or adventure pack which are optional extras). There are also optional extra cover available for your gadgets or travel disruption from volcanic ash clouds. Columbus Direct also accept a range of pre-existing medical conditions.
Please note that Columbus Direct may have special terms in respect of COVID-19, please ensure that you review these if purchasing a policy.
How to redeem this offer
- Hit the ‘Apply now’ button, through to the Columbus Direct website
- Complete the short form and hit the ‘show price’ button
- Select the level of cover that suits you and hit the ‘next step’ button
- Add optional extras based on your requirements such as adding cover for your gadgets
- Declare any pre-existing medical conditions you are living with (failing to do so could invalidate your cover)
- Complete your purchase
Need a reminder from Parliament Hill, who manage Benefits by BABTAC?
Remind me about this offer before I next travel abroad
If you’ve already booked a trip abroad but don’t want to get a policy right now, let Parliament Hill know your date of travel, your name and contact details and Parliament Hill will remind you nearer the time. Please remember that some valid claims under the cancellation section of a travel policy, can be triggered by an event that occurs before the holiday actually starts but would not be covered if you travel policy was not in force. If you do not have alternative cover in place, then you might be losing out by delaying purchasing your travel cover.
Parliament Hill Ltd will then contact you nearer the time. You will not be contacted for any other purpose other than for this reminder service.
* Required field
Remind me when my annual travel insurance policy is due for renewal
Send Parliament Hill a reminder request with your name, contact details and when your cover will expire and Parliament Hill will contact you nearer the time.
Parliament Hill Ltd will then contact you nearer the time. You will not be contacted for any other purpose other than for this reminder service.
* Required field
Terms and conditions
· Subject to underwriting. Columbus Direct is a trading style of Columbus Insurance Services Ltd which is authorised and regulated by the Financial Conduct Authority. Columbus’s FRN number is 311897 and this can be checked on the Financial Services register by visiting register.fca.org.uk. Offer is subject to change without notice.
Parliament Hill limited of Britannia House, 21 Station Street, Brighton BN1 4DE is authorised and regulated by the Financial Conduct Authority under reference 308448 and you can check this out by visiting https://register.fca.org.uk/. We manage the benefit scheme.
Save 10% on personal or vehicle breakdown cover with startrescue.co.uk
- Over 80% of vehicles repaired at roadside
- No excess or call out charges
- Unlimited callouts, accident recovery and misfuel cover as standard
- Annual vehicle breakdown cover policies from just £19.75 per year**
Terms and conditions apply.
Being stuck at the roadside due to a vehicle breakdown is far from ideal. By choosing Start Rescue you’ll get affordable and reliable service from a Which? Recommended provider for breakdown cover.
With a range of cover levels for nationwide recovery across the UK, vehicle breakdown policies start from just £19.75 per year. Need your annual cover to also include Europe? Start Rescue have you covered in Europe, with their four and five star annual vehicle breakdown cover policies.
Plus, you’ll receive an extra 10% discount on the standard rate to help you pay even less.
Breakdown cover doesn’t have to leave you out of pocket; see what you could save.
** Price applicable to one-star policies for cars up to 5 years of age.
How to apply
- Visit the startrescue.co.uk website
- Choose the level of cover that’s right for you
- Enter your details
- Continue to payment.
The discount will be applied automatically. However, if you don’t see the discount automatically, just enter the BABTAC10 in the ‘discount code‘ box.
Alternatively, you can call on 01206 655000, quoting BABTAC10
Terms and conditions ·
* Figure applies to all breakdowns attended during 2021.
To find out more about what the Start Rescue policies cover, visit: https://www.startrescue.co.uk/breakdown-cover
BABTAC members get FREE excess protection up to the sum insured of £200 when buying a home insurance policy from Cornmarket.
Terms and conditions apply.
Home insurance covers:
- Accidental damage
- Oil and water Trace and Access
- Garage, shed and outbuildings are all covered
- 24-hour Home Emergency Assistance (optional)
- Offer available to all Association members until the end of December 2022
Plus, you get access to FREE excess protection up to the sum insured of £200 when buying a home insurance policy from Cornmarket.
Accidental damage
Cornmarket home insurance policy provides real peace of mind when it comes to protecting the contents of your home against accidental damage to your television and audio equipment or accidental breakage to your sanitary ware, ceramic hob or glass in your windows and doors.
Oil & Water Trace and Access
Finding the source of a leak of oil or water in your house is more commonly known as trace and access. You can rest easy with Cornmarket home insurance cover knowing that we include trace and access insurance as standard on our policies and that we will be here to help you put right the damage caused in finding the leak.
Garage, Shed & Outbuildings are all covered
The value of your possessions can all add up when you take note of all of the things you pack away for storage each year such as the garden furniture, pressure washer, BBQ, gardening tools, camping equipment.... the list goes on. The good news is that the contents of your garage, shed & outbuildings as well as storm damage to the buildings themselves are all covered as standard on our home insurance policies.
24-hour Home Emergency Assistance (optional)
Home Emergency Assistance is a 24-hour, nationwide emergency service available 365 days a-year which will complement your household insurance policy by providing an immediate solution to your emergency situations such as failure of your central heating system, blocked drains, roof damage, electrical failure and so much more all for only £32 per year.
Terms and conditions
· Acceptance criteria and minimum home insurance premiums applies.
Offer available to all BABTAC members until the end of December 2022
£100,000 of life cover from just £5 per month**
- Fee Free no obligation advice and quotes, from friendly expert Advisers
- Trustpilot ‘excellent’ rated, 4.9 out of 5 stars on over 16,500+ reviews
- Access to leading insurers
- Free LifeSearch Care and Claims service if you ever need it***
Terms and conditions apply.
Protect the life you love
£100,000 of life insurance from just £5 per month**
Plus equivalent of two months’ premium back*
We have teamed up with protection experts LifeSearch; award winning Life Insurance advice from people who care.
Life Insurance
If you haven’t protected your family from the financial loss if you’re no longer around – LifeSearch can help arrange and offer advice using a range of well-known Insurers.
Critical Illness Cover
LifeSearch are also able to offer advice to help protect against the diagnosis of a serious illness. This policy pays out a tax-free lump sum or income to help provide financial support at an already difficult time.
Call a LifeSearch adviser today, *** and quote BABTAC, or Visit the website for more info.
Get a quote and apply online Visit the website
Terms and Conditions
* The equivalent of 2 months premium will be repaid by LifeSearch if you take out an insurance policy and your policy remains in place for 12 months from the date your cover starts, with all payments up to date. Offer can be withdrawn at any time. Payments will be made by BACs.
** Cover from £5 p/m for a 30yr old non-smoker - £124,000 over 20yrs Level Term Life-only (prices at April 2022).
*** Calls may be monitored or recorded.
Life Insurance and other protection advice is provided by LifeSearch Limited, an appointed representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority.
This benefit is made available through Parliament Hill Ltd of Britannia House, 21 Station Street, Brighton BN1 4DE and you can use these benefits at your discretion. Parliament Hill is not part of the same group as any of the product/service providers which form part of the benefits scheme. Parliament Hill Ltd is authorised and regulated by the Financial Conduct Authority for insurance mediation only. You can check this out on the Financial Services register by visiting https://register.fca.org.uk/, under register number 308448 or by phoning the FCA on 0845 111 6768.
Health Insurance with one month’s premium cashback*
- UK Health Insurance will find the best rates in the market for you
- One month’s premium is refunded* in addition to any discounts or special offers from your insurer
- UK Health Insurance work with leading names like Bupa, Aviva and VitalityHealth
- A specialist, independent private medical insurance broker
Terms and conditions apply.
Nobody likes to think of the unexpected. But medical conditions are a fact of life, especially as you get older. Should you ever need medical attention, it’s reassuring to know that you have fast access to expert care - without worrying about lengthy waiting lists. And that’s where private medical insurance comes in.
UK Health Insurance is an independent medical insurance broker which specialises in finding the right cover for you at a price to suit your budget. As a whole of market broker UK Health Insurance have agreements in place with all UK health insurers, including Bupa, Aviva, AXA and Vitality Health amongst others, this allows them to provide you with completely independent and impartial advice. Their aim is to help you get the level of cover that’s right for you and your circumstances without breaking the bank, and as a member you get one month’s premium refunded in your first year*.
How to apply
- For a no-obligation quote, call UK Health Insurance on 0800 999 6499 and quote BABTAC — lines open 9am - 6pm Monday to Friday (excluding public holidays)
- Alternatively complete the online form by clicking here and a member of the UK Health Insurance team will be in touch
- If you already have medical cover, ask UK Health Insurance for a full independent review of your policy to see if there are any potential savings which can be made in addition to getting one month’s premium refunded
- Take out a one-year policy and your 12th month’s premium will be refunded*
Terms and conditions ·
* Terms and conditions apply:
- UK Health Insurance will refund one month’s premium to new clients to UK Health Insurance who take out a private medical insurance (PMI) policy. The 12th month of the annual premium will be refunded. The member will pay the full premium negotiated with the insurer (either one annual payment or 12 monthly payments) and the client will be sent a refund by cheque to represent one twelfth of the annual premium with the compliments of UK Health Insurance. The 12th month’s premium will be refunded by cheque by UK Health Insurance within 21 days of the insurer receiving the 12th monthly premium (if paying monthly) or during the 12th month of cover (if paying the full premium annually).
- This offer is not available in conjunction with any other offer from UK Health Insurance but is available in addition to any offer or discount offered by the insurer.
- UK Health Insurance must arrange the private medical insurance policy.
- Offer is not available to existing UK Health Insurance/Healthnet Services Limited customers and only applies to the first year of cover for eligible new customers.
- If the private medical insurance policy is cancelled for any reason before the end of the 12-month policy, the offer will not be valid and the client will not be entitled to a refund of one month’s premium.
- The offer is subject to change and may be withdrawn without notice.
- This offer only applies to fully insured UK private medical insurance policies and does not include cash plans or discretionary trusts.
- Offer applies to individual and family PMI policies only and is not available for corporate or company-paid policies.
- Offer is only available to association members, association employees and their immediate families.
- Full terms, conditions and exclusions of your policy will be sent to you by your insurer.
- UK Health Insurance is a trading name of Healthnet Services Limited which is authorised and regulated by the Financial Conduct Authority No. 312313. You can check this on the financial services register https://register.fca.org.uk Registered address: Healthnet Services Limited, County Gates House, 300 Poole Road, Poole BH12 1AZ. Registered in England no. 04620230.