Information for existing Payment Protection Insurance (PPI) customers

What is PPI?

PPI is insurance that pays out a sum of money to help cover your repayments on your loan, credit card or mortgage (product) in certain life events*. The actual events covered by your policy will depend upon the level of cover that you have purchased and you should always refer to your policy terms and conditions for confirmation of your level of cover and exclusions (what isn’t covered). Lloyds Bank no longer sell Payment Protection Insurance (PPI), however if you are interested in purchasing protection for your existing credit agreements then please refer to MoneyHelper for guidance.

*Existing LBG PPI policies offer varying levels of cover including:

Unemployment / Redundancy – if you are in work and become involuntary unemployed
Accident and Sickness / Disability - If you are in work and you have an accident or become ill or disabled during the period of cover
Life - If you die during the period of cover
Critical Illness - If you are diagnosed with a critical illness
Carer Cover - If you become a carer during the period of cover
Hospitalisation Benefit - If you are confined to hospital for a number of set days in a row whilst you are permanently retired or are 65 or over
Positive Job Solutions

There are a number of ways to check if you have PPI

An easy way to understand if you have an active PPI policy is to check your monthly credit card account statements for the record of premiums you have paid. If you have a loan or mortgage agreement then you will need to refer to your annual account statement. For the majority of PPI policies (excluding personal loans) you will have received an annual review of your insurance policy, this informs you with details of the cover and cost of your premiums for the previous year.

In addition to these checks you may still hold the documentation given to you when you purchased PPI, such as a policy document or policy schedule. If you are still unsure if you hold a PPI policy then there is a list of numbers below to help you with your enquiry.

How do I make an insurance claim on PPI?

If you would like to discuss registering a claim you should call the number provided within your PPI policy booklet to discuss your circumstances with our specialist claims handlers. We have provided a list of useful telephone numbers below to call if you can not locate your own paperwork.

Mortgage PPI

Mortgage PPI
Product	Helpline	Opening Times
Product Payment Protection Insurance (PPI)	Helpline 0345 300 0541 Text number: 0345 300 2281Call 0345 300 2281	Opening Times Monday to Friday: 9am - 5pm
Product Mortgagesure	Helpline 0370 400 4705 Textphone: 0370 400 4769Call 0370 400 4769	Opening Times Monday to Friday: 9am-5pm.
Product Mortgage Unemployment and Disability Insurance (MUDI)	Helpline 0344 543 1191Call 0344 543 1191	Opening Times Monday to Friday: 8:30am - 6:00pm

Credit Cards PPI

Credit Cards PPI
Product	Helpline	Opening Times
Product Payment Protection Cover (PPC)	Helpline 0345 602 4534Call 0345 602 4534 Text phone: 0345 300 2281Call 0345 300 2281 Call 0345 300 2281	Opening Times Monday to Friday: 9am - 5pm

Loans PPI

Loans PPI
Product	Helpline	Opening Times
Product Loan Protection (LP)	Helpline 0345 300 0123Call 0345 300 0123 Text phone: 0345 300 2281Call 0345 300 2281	Opening Times Monday to Friday: 9am - 5pm
Product Critical Illness	Helpline 0345 603 2289Call 0345 603 2289	Opening Times Monday to Friday: 9am - 5pm

Other PPI

Other PPI
Product	Helpline	Opening Times
Product Bill Payment Protection	Helpline 0345 604 1736Call 0345 604 1736 Text phone: 0345 300 2281Call 0345 300 2281	Opening Times Monday to Friday: 9am - 5pm
Product Personal Income Insurance (PII)	Helpline 0345 604 1736Call 0345 604 1736 Text phone: 0345 300 2281Call 0345 300 2281	Opening Times Monday to Friday: 9am - 5pm
Product Business Loan Repayment Insurance (BLRI)	Helpline 0330 134 8214 Text phone: 0345 300 2281Call 0345 300 2281	Opening Times Monday to Friday: 9am - 5pm

Support Lines

Support Lines
Product	Helpline
Product Health Advice Line	Helpline 0345 300 2370
Product Positive Job Solutions	Helpline 0345 300 6018

Credit Cards*

If your claim is successful your Credit Card policy will usually pay 20% of your outstanding Credit Card balance (calculated on the date your claim arises) each month for a maximum of 6 months per claim for accident, sickness and unemployment. In the event of your death or if you are critically ill (HBOS only) then the insurance will pay off your outstanding credit card balance. It is important to get your claims assessed by one of our specialist claims handlers as there are varied levels of cover.

Mortgages*

Your Mortgage policy will usually pay out a regular sum of money to cover your monthly mortgage repayments (or a percentage of them) for a fixed period of time, usually 12 or 24 months or until you return to work (whichever is earlier ).

Loans*

Your Loan policy will usually pay out a regular sum of money to cover your monthly repayments (or a percentage of them) for a fixed period of time – usually 12 months – or until you return to work (whichever is earlier).

*This information is only a guide to what benefit you may be able to claim, all claims will be assessed based upon your current policy terms and conditions.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).