For many public sector workers, the Payment Protection Insurance (PPI) they were sold was useless. However, for some of these workers it would not have been useless, depending on the policy type and cover it provided them with.
If you had PPI and it provided you with extra cover that hadn’t been included in your employment contract, then it may have been useful for you.
However, if you did not receive any additional protection then this is an example of how your policy could have been mis-sold, and could mean you are entitled to compensation.
Public sector workers often have a contract covering them in the event that they are unable to work. If they have mortgage, loan or credit card repayments to meet, these will generally be covered by the terms of the contract to help them avoid financial problems.
Typically, these contracts provide full pay for six months, then half pay for a further six months. If you had PPI that outlasted the cover provided by the contract, then the PPI may not have been useless.
PPI was often attached to financial products or agreements without the customer knowing, so if this happened to you then you may be able to make a claim.
If you are currently any of the following, or have ever been and had loan, credit card, store card, catalogue account or mortgage then you could have been mis-sold PPI:
- NHS worker
- Armed services personnel
- Police officer
- Local council or authority employee
- Fire and rescue service member
- Any other government employee