How to check if you had PPI

If you’ve had a loan or credit product but aren’t sure whether you had PPI, you can ask your provider. All you need to get started is your name, date of birth and previous addresses.

Many providers now offer online checking tools  to help you check if you had PPI, and will usually get back to you within 40 days. You can also check by contacting your provider. Use our Search for a provider to complain about PPI page to find links to online PPI complaint forms and contact details for the providers that receive the most complaints about PPI.

Whilst you don’t need your paperwork to check, it may help to speed up the process. Look for ‘PPI’, or the product names listed below, on original documents, credit agreements, more recent statements, and the terms and conditions for each.

Information about the policy and your payments may also appear on statements as an additional charge next to repayment information.

PPI was usually sold with other products like a loan, credit card, store card, mortgage, overdraft or car finance deal – so check your paperwork for loan or credit products you’ve had.

You can find out about other products that were usually sold with PPI, on the previous page.

If you don’t know if you have been mis-sold PPI, the next page explains how to ask a provider if you had PPI.

Product names to look for

As well as ‘PPI’ or ‘payment protection insurance’, your paperwork might include other names for PPI and similar products, such as:

  • 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

What to do if paperwork isn’t clear

If you aren’t sure what something on your paperwork or statements means, call or write to ask the bank or other provider of your loan or credit product. 

When you ask about information on your paperwork, you can also ask whether you had a PPI policy.

Banks and other providers are aware that customers may contact them about PPI and should be ready to help. Checking if you had PPI won’t affect your relationship with them.

It also won’t affect your relationship with them, if you go on to complain about PPI.

If you know that you had PPI and have information about the policy, you should find out why you might be eligible to claim a refund.

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