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 8 weeks.

You can use our Search for a provider to ask about PPI page to find links to online PPI checking tools 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.

If you've had a loan or credit product but can't find the relevant paperwork or statements, find out about checking for PPI without paperwork on the next page.

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

Product names to look for in your paperwork

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.

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

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

What to do after you've checked

You must allow 8 weeks for your PPI check to be completed. When your provider responds, they will let you know whether you had PPI on any products.

If you did have PPI and you're unhappy with how it was sold, you can then proceed to make a complaint.

You shouldn't wait until 29 August 2019 - act sooner rather than later to allow you enough time to check if you had PPI and decide whether to complain.

Find out more about:

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, find out why you might be eligible to claim a refund.

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