Redundancy Insurance Cover

I've just seen this in the independent and it really beggers belief that these providers of cover to all those with mortages at this time have upped the premiums to all those customers currently with mortages and protection. They've also changed the terms of the protection, namely one is not paying at 30days after unemployment, but 90 days (3 months), That is a joke why, well i think the telegraph put it brillantly when it said, 'the Government is doing nothing to help the citizens of the UK feel safer.' They are really not doing a good job of it.