The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

 

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 the Money Advice Service 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

Opening Times

Monday to Friday:  8am - 6pm

Product

Mortgagesure

Helpline

Opening Times

Monday to Friday:  9am-5pm.

Product

Mortgage Unemployment and Disability Insurance (MUDI)

Helpline

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

Opening Times

Monday to Friday:  8am - 6pm

Loans PPI

Loans PPI

Product

Helpline

Opening Times

Product

Loan Protection (LP)

Helpline

Opening Times

Monday to Friday:  9am - 5pm

Product

Critical Illness

Helpline

Opening Times

Monday to Friday:  9am - 5pm

Other PPI

Other PPI

Product

Helpline

Opening Times

Product

Bill Payment Protection

Helpline

Opening Times

Monday to Friday:  8.30am - 6pm

Product

Personal Income Insurance (PII)

Helpline

Opening Times

Monday to Friday:  8am - 6pm

Product

Business Loan Repayment Insurance (BLRI)

Helpline

Opening Times

Monday to Friday:  8am - 6pm

Support Lines

Support Lines

Product

Helpline

Product

Health Advice Line

Helpline

Product

Positive Job Solutions

Helpline

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.

PPI Complaints

If you have a concern about how your PPI Policy was sold see our PPI complaints information.

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).

Avios Group (AGL) Ltd. Registered office: Astral Towers, Betts Way, London Road, Crawley, West Sussex RH10 9XY. Registered in England. Company No. 2260073.