Chelsea Mortgage payment protection insurance - have they won any industry awards for their mortgage protection insurance ?
FSA authorised British Insurance have, so why not get a quote and see how the costs and the cover compare.
 

The Chelsea do have their own mortgage unemployment insurance cover, that on the face of it, looks quite reasonable, however, if you are looking for an award winning, much publicised, mortgage payment protection insurance then you should at least get a quote from this website, to see how the premiums and level of cover compare.