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Existing Payment Protection Insurance (PPI) customers
What is PPI?
Our PPI provides cover for your mortgage, credit card or loan payments in the event you can’t work due to accident, sickness or unemployment.
Lloyds Bank no longer sells Payment Protection Insurance (PPI). If you are interested in purchasing protection for your existing credit agreements, you may want to arrange a policy with a different insurer. For independent support, you may find helpful information and advice from MoneyHelper.
Our PPI policies offer a range of cover including:
- Unemployment - if you are in work and become involuntarily unemployed.
- Accident and sickness - if you are unable to work due to an accident or sickness.
- Life - if you die during the period of cover.
- Carer cover - if you leave work to become a carer for a relative.
- Hospitalisation benefit - if you are confined to hospital for 5 days in a row while you are permanently retired or are aged 70 or over.
When your monthly mortgage payment changes, think about whether your monthly benefit should change too. It won’t update automatically, so if you do need to change it then please call us.
Your policy schedule tells you what cover you have and the limits that apply to your cover.
Your policy booklet includes the full details of your cover.
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.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).