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Existing Payment Protection Insurance (PPI) customers
What is PPI?
Our PPI products provide a range of covers including:
- Unemployment - if you’re in work and become involuntarily unemployed. Cover only applies if you’re under 70.
- Accident and sickness - if you can’t work due to an accident or sickness.
- Carer cover - if you leave work to become a carer for a relative.
Our Credit Card Repayment cover also includes:
- Life - if you die during the period of cover.
- Hospitalisation - if you have to stay in hospital for 5 days in a row. Cover only applies if you’re permanently retired or 70 or over.
Lloyds Bank no longer sells PPI. If you’re looking for an alternative protection product, MoneyHelper provides independent support and information to help you find the cover you need.
When should I review my Payment Protection Insurance?
- If your PPI covers your mortgage payments, check your cover when your monthly payment changes. Think about whether your monthly benefit should change too. It won’t update automatically so if you need to change it, please call us.
- If you permanently retire, you must let us know.
- If you leave the UK to live abroad permanently, you need to call us. We can’t insure you if you don’t live in the UK.
Your policy schedule tells you the cover you have and the limits that apply. For full details of your cover, please see your policy booklet.
To make changes to your cover, please call the relevant number below:
|
Product |
Helpline |
Opening times |
|---|---|---|
|
Product Payment Protection Cover (Mortgages PPI) |
Helpline |
Opening times 9am to 5pm, Monday to Friday (closed on bank holidays). |
|
Product Credit Card Repayment Cover |
Helpline |
Opening times 9am to 5pm, Monday to Friday (closed on bank holidays). |
Policy booklets*
Lloyds Bank Credit Card Repayment Cover policy booklet (PDF, 279KB)**
Lloyds Bank Payment Protection Cover (Mortgage PPI) policy booklet (PDF, 229KB)
*If you hold a Personal Income Insurance or Business Loan Repayment Insurance policy and would like a copy of your policy booklet, please contact the relevant number shown below.
**If you want a copy of your Credit Card PPI policy terms and conditions that applied prior to 1st July 2023, please call us on 0330 134 8219 option 1.
Lines are open 9am - 5pm, Monday to Friday.
How do I make an insurance claim on PPI?
To register a claim please call the relevant phone number provided below:
Mortgage PPI
|
Product |
Helpline |
Opening Times |
|---|---|---|
|
Product Payment Protection Cover (Mortgages PPI) |
Helpline |
Opening Times Monday to Friday: 9am - 5pm |
Credit Cards PPI
|
Product |
Helpline |
Opening Times |
|---|---|---|
|
Product Credit Card Repayment Cover |
Helpline |
Opening Times Monday to Friday: 9am - 5pm |
Other PPI
|
Product |
Helpline |
Opening Times |
|---|---|---|
|
Product Personal Income Insurance (PII) |
Helpline |
Opening Times Monday to Friday: 9am - 5pm |
|
Product Business Loan Repayment Insurance (BLRI) |
Helpline Text phone: 0345 300 2281 |
Opening Times Monday to Friday: 9am - 5pm |
Client Money
Where we receive or hold premiums, premium refunds or claims payments when administering any insurance for you we will hold that money as agent for the insurer providing the insurance.
How do you use my personal information?
Please read our data privacy notice for details connected to Accident and Sickness, Unemployment or Hospitalisation cover, or www.scottishwidows.co.uk/legal-information.html for details connected to any life cover.