In addition BALPA have an excellent Loss of Licence policy. Searched high and low for one and BALPA's was the best available of the few that were around. BALPA also have Balpa Financial Services which a group of good Independant Financial Advisers to advise on investments, mortgages etc etc All free of charge.
A lot of people just see BALPA as something to be used to better T&C's and their 1% as being expensive but if you use the "add ons" it's quite good. It's not a panacea and there is definite room for improvement but they do ok and I'm happy with them.
Was a member of the IPA for a good number of years and I have to say that they try hard, very hard. But they just don't cut it as a replacement for BALPA. As others have said they don't have the backup or the wide range of experts on offer.
Having been involved in an "incident" in a previous company it was nice to know that I had BALPA legal help to call on. Fortunately it was not needed.
Choose wisely
