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29th Aug 2019

How to check if you had PPI

If you’ve ever had any type of loan or credit finance, you need to check your paperwork to see if there is any mention of the term ‘PPI’ or ‘payment protection insurance’ to know if you had PPI or not.

The paperwork to check for ‘PPI’ will include the original credit agreement, recent statements and the terms and conditions for each finance product. On statements, the PPI payment may appear as an extra charge in addition to the repayment figure.

The type of finance products PPI was usually sold with are loans, credit cards, store cards, mortgages, overdrafts and car finance. As there are different types of loan and credit products, it is important to check your paperwork carefully.

Other product names to look for

PPI or payment protection insurance are the most commonly used terms for this type of product. However, it is also known as any of the following for PPI and related products:

  • accident, sickness and unemployment (ASU) insurance
  • account cover
  • credit insurance
  • credit protection
  • loan care
  • loan insurance
  • loan protection
  • loan repayment insurance
  • mortgage payment protection insurance (MPPI)
  • payment cover
  • protection plan


You can submit a claim directly to the lender yourself for no charge. You can also approach the Financial Ombudsman Service and Financial Services Compensation Scheme for free to review your case, providing it falls within their remit and you have approached your lender first.


Had a loan, Credit Card, Store Card or Mortgage between 1988 - 2014?

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