{"id":20587,"date":"2026-01-22T12:18:29","date_gmt":"2026-01-22T12:18:29","guid":{"rendered":"https:\/\/comparepriceswebsite.co.uk\/?p=20587"},"modified":"2026-04-18T11:08:23","modified_gmt":"2026-04-18T10:08:23","slug":"payment-protection-insurance","status":"publish","type":"post","link":"https:\/\/comparepriceswebsite.co.uk\/index.php\/2026\/01\/22\/payment-protection-insurance\/","title":{"rendered":"Payment Protection Insurance (PPI) in the UK: What It Covers, Who It Suits, and What to Check"},"content":{"rendered":"\n<p>You\u2019re doing fine, right up until you\u2019re not. A bad back keeps you off work, your employer cuts hours, or redundancy lands without warning. The bills don\u2019t pause, your credit repayments on loans and mortgages still leave the account, and the credit card minimum payment is still due. That\u2019s the gap&nbsp;<strong>Payment Protection Insurance (PPI)<\/strong>&nbsp;is meant to fill.<\/p>\n\n\n\n<p>In plain terms, it\u2019s insurance designed to help cover payments when you can\u2019t work because of accident, sickness, or sometimes unemployment.<\/p>\n\n\n\n<p>One important point early on: \u201cPPI\u201d is a broad label. It can refer to loan protection, credit card protection, mortgage payment protection insurance (MPPI), and policies that look a bit like income protection but work differently. This guide explains what it typically covers, who tends to get the most value, and the checks that stop you paying for cover that won\u2019t pay out when you need it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-payment-protection-insurance-is-and-what-it-usually-pays-for\">What Payment Protection Insurance is, and what it usually pays for<\/h2>\n\n\n\n<p>Payment Protection Insurance (PPI), often called a repayment protector by lenders, is set up to help you keep up with&nbsp;<strong>repayments<\/strong>&nbsp;on borrowing under credit agreements. That could be personal loans, credit cards, store cards, hire purchase or car finance, or a mortgage. If you can\u2019t work due to accident or sickness, with unemployment cover in some policies, it can pay a monthly benefit for a set period.<\/p>\n\n\n\n<p>Most PPI-style policies are designed around a few moving parts:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>A monthly benefit amount<\/strong>, often linked to your repayment (sometimes capped).<\/li>\n\n\n\n<li><strong>A waiting period<\/strong>&nbsp;(also called a deferred period), which is how long you must be off work or unemployed before the policy starts paying, often after statutory sick pay ends.<\/li>\n\n\n\n<li><strong>A maximum claim period<\/strong>, which limits how long it will pay out for a single claim, even if you\u2019re still unable to work.<\/li>\n<\/ul>\n\n\n\n<p>The wording matters more than the name. Two insurance policies can both be called \u201cpayment protection\u201d but behave very differently when you claim. One may pay only the minimum credit card payment, another may pay more. One may cover unemployment, another may not. Some pay benefits directly to you, others may pay towards the lender. Always read the key facts and the exclusions, not just the headline. This was particularly important with single premium policies, where the cost was added upfront to your loan and could significantly increase borrowing costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-main-types-of-ppi-you-might-come-across\">The main types of PPI you might come across<\/h3>\n\n\n\n<p>In the UK, you\u2019ll usually see a few common labels. The differences come down to what is being protected: a specific repayment or your wider income.<\/p>\n\n\n\n<p><strong>Loan PPI (loan protection)<\/strong>&nbsp;is tied to personal loans. It\u2019s meant to cover the monthly loan repayment if accident, sickness, or unemployment stops you earning.<\/p>\n\n\n\n<p><strong>Credit card PPI (credit card protection)<\/strong>&nbsp;is linked to a credit card balance, often focusing on the minimum monthly payment. Some policies pay a percentage of the balance each month rather than a fixed amount.<\/p>\n\n\n\n<p><strong>Mortgage Payment Protection Insurance (MPPI)<\/strong>&nbsp;is designed to cover your mortgage payment for a limited time if you can\u2019t work. Some versions also let you include an amount for essential bills, but it depends on the policy.<\/p>\n\n\n\n<p><strong>Income protection insurance<\/strong>&nbsp;is often mentioned alongside PPI, but it\u2019s usually a different product. Income protection is typically aimed at replacing a portion of your income for longer periods and can be more detailed in how it defines being unable to work. It\u2019s not \u201crepayment cover\u201d, even if you use the money to pay your mortgage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-ppi-often-does-not-cover-and-why-people-get-caught-out\">What PPI often does not cover (and why people get caught out)<\/h3>\n\n\n\n<p>People often buy payment protection thinking it covers \u201cany time I can\u2019t pay\u201d. Most policies are narrower than that. Common exclusions and limits include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pre-existing medical conditions<\/strong>&nbsp;(or conditions you had symptoms of before taking the policy) may be excluded, at least for a period.<\/li>\n\n\n\n<li><strong>Employment status rules<\/strong>&nbsp;can be strict. Some policies don\u2019t suit self-employed people, contractors, temporary workers, or zero-hours workers, or they may require a minimum time with an employer.<\/li>\n\n\n\n<li><strong>Voluntary redundancy<\/strong>&nbsp;is often excluded, and unemployment cover may only apply if redundancy is compulsory.<\/li>\n\n\n\n<li><strong>Dismissal for misconduct<\/strong>&nbsp;is commonly excluded.<\/li>\n\n\n\n<li><strong>Pregnancy-related claims<\/strong>&nbsp;can be limited (for example, normal pregnancy may not count as sickness).<\/li>\n\n\n\n<li><strong>Initial exclusion periods<\/strong>&nbsp;can apply, where you cannot claim for unemployment within the first part of the policy.<\/li>\n<\/ul>\n\n\n\n<p>It\u2019s not about trying to catch you out, it\u2019s about how insurers price risk. Still, the effect is the same if you buy the wrong policy. Before you pay a penny, check you meet the eligibility rules today, not just \u201cmost of the time\u201d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-real-benefits-of-having-payment-protection-insurance\">The real benefits of having Payment Protection Insurance<\/h2>\n\n\n\n<p>The clearest benefit is simple: PPI can&nbsp;<strong>keep repayments going<\/strong>&nbsp;when your income drops or stops. That matters because credit repayments tend to be non-negotiable in the short term, and missed payments can snowball quickly.<\/p>\n\n\n\n<p>It can also buy you something that\u2019s hard to price: breathing space. Being off work is stressful enough without daily maths about whether to pay the loan or the gas bill. A monthly benefit, even for a limited period, can steady things while you recover or job hunt.<\/p>\n\n\n\n<p>In the UK, many people have some support if they\u2019re off sick, such as Statutory Sick Pay and sometimes employer sick pay. The problem is that support doesn\u2019t always match your real outgoings. If your mortgage, loan, and car finance are built around a full wage, the gap can feel huge. PPI is one way to bridge that gap, as long as the insurance policy terms line up with your situation.<\/p>\n\n\n\n<p>That said, it isn\u2019t for everyone. If you\u2019ve got strong employer benefits and plenty of savings, you may decide the monthly premiums aren\u2019t worth it. The right answer depends on your safety net and your risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-ppi-can-protect-your-budget-and-your-credit-score\">How PPI can protect your budget and your credit score<\/h3>\n\n\n\n<p>Missed repayments rarely stay small. A late payment can trigger&nbsp;<strong>fees<\/strong>, extra interest, and collection activity. Over time it can damage your credit file, which makes future borrowing more expensive and can affect applications for things like a mortgage, credit cards, or a mobile contract.<\/p>\n\n\n\n<p>PPI can help by keeping you up to date during a rough patch. Think of it like a temporary support beam under a wobbly floor. It\u2019s not rebuilding your finances, but it can stop a short-term problem turning into a long-term mess.<\/p>\n\n\n\n<p>It also helps with decision-making. If your essential repayments are covered for a few months, you can focus on getting well or finding work, rather than juggling who gets paid late this month.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-it-can-be-useful-even-if-you-have-some-savings\">Why it can be useful even if you have some savings<\/h3>\n\n\n\n<p>Savings are brilliant, but they can disappear faster than people expect. When income drops, it\u2019s rarely just one bill that needs help. It\u2019s the mortgage, council tax, utilities, food, petrol, and the loan you took out when life was calmer.<\/p>\n\n\n\n<p>A simple example shows the pressure. If you\u2019ve got a few months of savings, one surprise (a boiler issue, car repair, or a longer-than-expected sick note) can drain it quickly. Once savings are gone, people often turn to overdrafts or credit cards, which can be expensive and hard to unwind.<\/p>\n\n\n\n<p>PPI can be used to protect your emergency fund so you can keep it for true emergencies, or at least stop it being used up entirely on fixed repayments. For some households, that\u2019s the difference between a short setback and a longer financial slide.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-can-benefit-most-and-who-should-think-twice\">Who can benefit most, and who should think twice<\/h2>\n\n\n\n<p>Payment protection tends to work best when you\u2019ve got&nbsp;<strong>high fixed costs<\/strong>&nbsp;and a limited buffer. It\u2019s less useful when you already have strong support that would cover the same ground.<\/p>\n\n\n\n<p>This is general guidance, not personal advice. Policies vary, and your own job, health history, and budget will shape what\u2019s suitable.<\/p>\n\n\n\n<p>A good way to sanity-check it is to ask yourself: if your income dropped tomorrow, how long could you cover essentials without missing a repayment? If the honest answer is \u201cnot long\u201d, payment protection may be worth a closer look.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-people-who-often-get-good-value-from-ppi-style-cover\">People who often get good value from PPI-style cover<\/h3>\n\n\n\n<p>Some situations come up again and again where PPI can make practical sense:<\/p>\n\n\n\n<p><strong>Single-income households<\/strong>: if one wage pays for most essentials, there\u2019s less room for error.<\/p>\n\n\n\n<p><strong>People with high fixed outgoings<\/strong>: mortgages, car finance, or personal loans can take a big chunk of take-home pay.<\/p>\n\n\n\n<p><strong>Low or modest savings<\/strong>: if your emergency fund wouldn\u2019t last long, insurance can act as a back-up plan.<\/p>\n\n\n\n<p><strong>Workers with limited sick pay<\/strong>: some employers offer only the basics, so a longer illness creates a gap.<\/p>\n\n\n\n<p><strong>Borrowers with multiple commitments<\/strong>: when you\u2019re paying a mortgage, a loan, and credit cards, one missed pay packet can hit hard.<\/p>\n\n\n\n<p>PPI doesn\u2019t remove risk, but it can turn a crisis into an inconvenience you can manage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-situations-where-it-may-not-fit-or-needs-extra-care\">Situations where it may not fit, or needs extra care<\/h3>\n\n\n\n<p>There are also cases where you should slow down and check alternatives.<\/p>\n\n\n\n<p>If you have&nbsp;<strong>generous employer sick pay<\/strong>&nbsp;and strong redundancy terms, you might be paying for cover you won\u2019t use. The same applies if you\u2019ve built a large emergency fund that could cover essentials for a long time.<\/p>\n\n\n\n<p>If your work situation is complicated, consider consulting a financial adviser. Self-employed people, gig workers, and those with irregular hours can sometimes struggle with eligibility rules or proof of income. Some policies can still work, but you must check the wording.<\/p>\n\n\n\n<p>You should also compare PPI-style cover with other options, depending on the risk you\u2019re most worried about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Income protection insurance<\/strong>&nbsp;(often broader for long-term illness, but not designed around a specific debt).<\/li>\n\n\n\n<li><strong>Critical illness insurance<\/strong>&nbsp;(pays a lump sum for certain diagnosed conditions, not for redundancy).<\/li>\n\n\n\n<li><strong>Building savings<\/strong>&nbsp;(simple, flexible, no exclusions, but takes time).<\/li>\n<\/ul>\n\n\n\n<p>If you can\u2019t meet the medical or employment conditions, don\u2019t force it. A policy that won\u2019t pay is worse than no policy because it gives false comfort.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-right-policy-without-overpaying-or-buying-the-wrong-cover\">How to choose the right policy without overpaying or buying the wrong cover<\/h2>\n\n\n\n<p>Choosing well is mostly about matching the policy to the problem you\u2019re trying to solve. Start with the repayment you\u2019re most worried about, then work backwards into the policy detail.<\/p>\n\n\n\n<p>A practical framework helps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Name the bill<\/strong>&nbsp;you want protected (loan, credit card, mortgage, car finance).<\/li>\n\n\n\n<li><strong>Check eligibility<\/strong>&nbsp;for your employment type and work pattern.<\/li>\n\n\n\n<li><strong>Read exclusions<\/strong>&nbsp;with your own health and job in mind.<\/li>\n\n\n\n<li><strong>Set the benefit amount<\/strong>&nbsp;so it covers the repayment you actually need, while ensuring monthly premiums are affordable for your budget.<\/li>\n\n\n\n<li><strong>Choose a waiting period<\/strong>&nbsp;that fits your buffer (savings and sick pay).<\/li>\n\n\n\n<li><strong>Check claim length<\/strong>&nbsp;so you know how long support could last after the waiting period.<\/li>\n\n\n\n<li><strong>Check for overlap<\/strong>&nbsp;(some packaged bank accounts or existing policies may include similar cover).<\/li>\n<\/ol>\n\n\n\n<p>The aim is not \u201cmaximum cover\u201d. It\u2019s&nbsp;<strong>useful cover<\/strong>&nbsp;that fits your life and budget.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/comparepriceswebsite.co.uk\/wp-content\/uploads\/2026\/01\/sick-man-with-fever-holding-thermometer-and-napkin-in-bedroom-with-woman-behind-stockpack-adobe-stock.jpg\" alt=\"sick man with fever holding thermometer that could benefit from payment protection insurance\" class=\"wp-image-20588\" style=\"width:850px\" srcset=\"https:\/\/comparepriceswebsite.co.uk\/wp-content\/uploads\/2026\/01\/sick-man-with-fever-holding-thermometer-and-napkin-in-bedroom-with-woman-behind-stockpack-adobe-stock.jpg 1000w, https:\/\/comparepriceswebsite.co.uk\/wp-content\/uploads\/2026\/01\/sick-man-with-fever-holding-thermometer-and-napkin-in-bedroom-with-woman-behind-stockpack-adobe-stock-300x200.jpg 300w, https:\/\/comparepriceswebsite.co.uk\/wp-content\/uploads\/2026\/01\/sick-man-with-fever-holding-thermometer-and-napkin-in-bedroom-with-woman-behind-stockpack-adobe-stock-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-questions-to-ask-before-you-buy\">Key questions to ask before you buy<\/h3>\n\n\n\n<p>Copy these questions into your notes and tick them off while you compare:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What events are covered, accident, sickness, unemployment, or all three?<\/li>\n\n\n\n<li>What is the waiting period before payments start?<\/li>\n\n\n\n<li>How long will it pay out for one claim?<\/li>\n\n\n\n<li>What is the monthly benefit limit, and does it match my repayment?<\/li>\n\n\n\n<li>What counts as being unable to work for my job?<\/li>\n\n\n\n<li>What proof will I need to claim (medical notes, redundancy letter, payslips)?<\/li>\n\n\n\n<li>Are there exclusions that affect me (health history, job type, contract length)? Have you reviewed the full terms of the insurance policy?<\/li>\n\n\n\n<li>Can I cancel at any time, and is there a cooling-off period?<\/li>\n\n\n\n<li>Does it pay me, or does it pay towards the lender?<\/li>\n<\/ul>\n\n\n\n<p>If a provider can\u2019t answer clearly, treat that as a warning sign. Always buy from firms authorised by the financial services regulator, and for any disputes or complaints, contact the Financial Ombudsman.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-cost-drivers-and-simple-ways-to-reduce-the-premium\">Common cost drivers, and simple ways to reduce the premium<\/h3>\n\n\n\n<p>Premiums aren\u2019t random. A few factors usually push the price up or down:<\/p>\n\n\n\n<p>Age often matters, as does the level of cover you choose. Your job can also affect cost, especially if it\u2019s seen as higher risk for injury or redundancy. Adding unemployment cover can increase the premium compared with accident and sickness only. The waiting period and claim length matter too, because they change how likely the insurer is to pay out and for how long.<\/p>\n\n\n\n<p>If you want to keep cost sensible, a few adjustments can help without gutting the cover:<\/p>\n\n\n\n<p><strong>Pick a longer waiting period<\/strong>&nbsp;if you\u2019ve got sick pay or a savings buffer, because you\u2019re asking the policy to step in later.<\/p>\n\n\n\n<p><strong>Insure the repayment, not your whole life<\/strong>. Covering the key debt you can\u2019t easily pause is often more cost-effective than trying to cover every bill.<\/p>\n\n\n\n<p><strong>Avoid duplicate cover<\/strong>. If you already have a policy that would support you, or you\u2019ve got strong benefits through work, scale back rather than stacking similar products.<\/p>\n\n\n\n<p><strong>Be honest and accurate<\/strong>&nbsp;on the application. It protects you at claim time, when the policy is tested for real.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>Payment Protection Insurance can help cover repayments when you can\u2019t work due to accident, sickness, or unemployment, but only if the policy fits your work and health situation. It tends to be most useful when fixed bills are high, savings are limited, and employer support won\u2019t stretch far enough. The details that matter most are the exclusions, waiting period, benefit limits, and how long it pays out.<\/p>\n\n\n\n<p>PPI has a controversial legacy, overshadowed by widespread mis-sold PPI that affected millions. Those impacted by mis-sold PPI were often able to claim compensation through the historical redress process, with the Plevin judgment later exposing undisclosed commission and enabling further redress for some. A 2019 complaint deadline brought that era to a close, though a claims management company can still assist if eligible (it is not required). If the claimant was previously bankrupt, the official receiver may claim the money for bankruptcy creditors.<\/p>\n\n\n\n<p>If you\u2019re considering it, start by listing your essential repayments, check what support and savings you already have, then compare policies and read the key facts and exclusions before you buy. A little care upfront makes&nbsp;<strong>PPI<\/strong>&nbsp;far more likely to do its job when life gets messy.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>&#8211;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Shop for More with Our Verified UK Insurance providers:<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2304\/0\" target=\"_blank\" rel=\"noreferrer noopener\">Home Emergency Cover<\/a>&nbsp;\u2013 &nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/home-appliance\/\">Home Appliance Cove<\/a>r<\/p>\n\n\n\n<p><a href=\"https:\/\/clk.tradedoubler.com\/click?p=359210&amp;a=3208630\">Travel<\/a><a href=\"https:\/\/clk.tradedoubler.com\/click?p=359210&amp;a=3208630\" target=\"_blank\" rel=\"noreferrer noopener\">&nbsp;Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/gadget\/gadget-quote\/?package_source=nova-direct&amp;package_type=gadget\">Gadget<\/a><a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/gadget\/gadget-quote\/?package_source=nova-direct&amp;package_type=gadget\" target=\"_blank\" rel=\"noreferrer noopener\">&nbsp;Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/gadget\/gadget-quote\/?package_source=nova-direct&amp;package_type=gadget\">Phone Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/caravan-insurance\/static-caravan\/quote\/\" target=\"_blank\" rel=\"noreferrer noopener\">Caravan Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/caravan-insurance\/touring-caravan\/quote\/\">Campervan Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/bicycle-quote\/?package_source=nova-direct&amp;package_type=bicycle\" target=\"_blank\" rel=\"noreferrer noopener\">Cycle Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/bicycle-quote\/?package_source=nova-direct&amp;package_type=bicycle\" target=\"_blank\" rel=\"noreferrer noopener\">E-Bike Insurance<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2257\/0\">Car Finance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/breakdown\/\" target=\"_blank\" rel=\"noreferrer noopener\">Car Breakdown Cover<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/van-breakdown-cover\/\">Van Breakdown Cover \u2013<\/a>&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/motorbike-breakdown-cover\/\">Motorbike Breakdown Cover<\/a><\/p>\n\n\n\n<p>\u2013<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Explore our Buyers Guides with Money Saving Tips<\/h3>\n\n\n\n<p>For a list of our main buyers guides use the drop-down menu at the top of the page. Topics related to this article are:<\/p>\n\n\n\n<p><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/phone-insurance\/\">Phone Insurance Buyers Guide<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/insurance\/\">Insurance Buyers Guides<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/laptop-insurance\/\">Laptop Insurance Buyers Guides<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/gadget-insurance\/\">Gadget Insurance Buyers Guides<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/tenant-insurance\/\">Tennant\u2019s Insurance Buyers Guide<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/landlord-insurance\/\">Landlords Insurance Buyers Guide<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2304\/0\">Home Emergency Cover Buyers Guide<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/travel-insurance-calculator\/\">Travel Insurance Buyers Guides<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/car-breakdown-cover\/\">Car Breakdown Cover Buyers Guide<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/comparepriceswebsite.co.uk\/\">Buyers Guides Homepage<\/a><\/p>\n\n\n\n<p>\u2013<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-explore-our-blog-categories-for-expert-buying-advice\">Explore Our Blog Categories for Expert Buying Advice<\/h2>\n\n\n<ul class=\"wp-block-categories-list wp-block-categories\">\t<li class=\"cat-item cat-item-87\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/ai-powered-product-finder-tools\/\">AI Powered Product Finder Tools<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-107\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-apple-products-buyers-guides-reviews\/\">Apple Products Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-89\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/beauty-health-wellness-perfume-skincare-makeup\/\">Beauty, Health &amp; Wellness | Perfume, Skincare, Makeup &amp; Wellbeing Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-39\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/bedroom-furniture-guides-uk\/\">Bedroom Furniture Guides UK | Expert Tips &amp; Best Value Deals<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-41\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/beds-buying-guides-uk\/\">Beds Buying Guides UK | Types, Tips &amp; Best Deals<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-105\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-phones-laptops-pcs-tablets-buyers-guides-reviews\/\">Brands &#8211; Phones, Laptops, PC\u201ds, Tablets | Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-93\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-designer-products-men-women-tech\/\">Brands &amp; Designer Products (Men, Women &amp; Electronics)<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-5\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/car-buying-financing-blog\/\">Car Buying &amp; Financing Made Easy | Expert Guides for the UK<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-81\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/car-rental-worldwide\/\">Car Rental Worldwide: Compare Prices &amp; Top Deals for UK Travellers<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-83\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/christmas-essentials-decorations-gift-ideas\/\">Christmas Essentials: Decorations &amp; Gift Ideas<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-10\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/clothing-fashion-buying-guides-uk\/\">Clothing, Fashion &amp; Accessories Buying Guides UK<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-119\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/designer-fashion-brands-buyers-guides-reviews\/\">Designer Fashion Brands: Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-101\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-electronics-buyers-guides-reviews\/\">Electronic Brands: Buyers Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-117\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/electronics-tablet-ipad-reviews-and-buyers-guides\/\">Electronics &#8211; Tablet &amp; iPad Reviews and Buyers Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-9\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-electronics-buying-guides-uk\/\">Electronics, Tech &amp; Gadgets: Reviews, Deals &amp; Buying Guides UK<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-79\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/europe-holidays-hotels\/\">Europe Holidays &amp; Hotels: Top Destinations, Booking Guides &amp; Local Attractions<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-7\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/\">Expert Buying Guides &amp; Shopping Tips for UK Shoppers<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-127\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/footwear-brands-reviews-buyers-guides\/\">Footwear Brands: Reviews &amp; Buyer\u2019s Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-6\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/furniture-buyers-guides-home-styling-tips\/\">Furniture Buyer\u2019s Guides | Home &amp; Garden &amp; Styling Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-57\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/gadget-insurance-uk-expert-guides-reviews\/\">Gadget Insurance UK | Expert Guides, Reviews &amp; Smart Protection Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-67\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/garden-furniture-uk-reviews-deals-buying-guide\/\">Garden Furniture UK: Expert Reviews, Deals &amp; Buying Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-43\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/garden-furniture-landscaping-garden-rooms-guides\/\">Garden Furniture, Landscaping &amp; Garden Rooms Guides UK | Expert Tips &amp; Best Value Deals<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-37\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/garden-rooms-offices-summer-houses\/\">Garden Rooms, Offices &amp; Garden Buildings Guides UK | Expert Tips &amp; Best Value Deals<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-85\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/gifts\/\">Gifts for Everyone: Ideas for Every Occasion &amp; Budget<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-4\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/holiday-buyers-guides-travel-tips\/\">Holidays &amp; Travel: Hotels, Villas, UK Breaks &amp; Skiing<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-49\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/home-decor-design-styling-tips-uk\/\">Home D\u00e9cor, Interior Design &amp; Styling Tips UK | Inspiration &amp; Expert Advice<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-63\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/home-emergency-cover-uk-expert-guides-reviews\/\">Home Emergency Cover UK | Expert Guides, Reviews &amp; Practical Protection Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-47\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/home-furniture-guides-tips-uk\/\">Home Furniture Guides UK | Expert Tips &amp; Best Value Deals<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-45\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/home-furniture-decor-interior-design-guides-uk\/\">Home Furniture, D\u00e9cor &amp; Interior Design Guides UK | Styling Tips &amp; Inspiration<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-8\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/compare-uk-insurance-options-expert-buyers-guides\/\">Insurance &amp; Protection: Travel, Landlord, Gadget &amp; More UK<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-75\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/iphone-buying-guides-reviews-uk-comparisons\/\">iPhone Buying Guides, Reviews &amp; Comparisons for the UK<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-59\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/iphone-insurance-uk-expert-guides-reviews\/\">iPhone Insurance UK | Expert Guides, Reviews &amp; Smart Protection Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-69\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/jewellery-reviews-trends-buying-guides\/\">Jewellery: Expert Reviews, Trends &amp; Buying Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-103\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-kitchen-appliance-buyers-guides-reviews\/\">Kitchen Appliance Brands: Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-73\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/kitchen-appliances-uk-buyers-guides-reviews\/\">Kitchen Appliances UK: Buyers Guides, Reviews &amp; Money Saving Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-61\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/landlords-insurance-uk-expert-guides-reviews\/\">Landlords Insurance UK | Expert Guides, Reviews &amp; Smart Protection Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-109\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-laptops-macbooks-buyers-guides-reviews\/\">Laptop Brands &amp; MacBooks Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-111\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-laptop-buyers-guides-reviews\/\">Laptop Brands: Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-51\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/living-room-furniture-design-decor-guides-uk\/\">Living Room Furniture, Design &amp; D\u00e9cor Guides UK | Styling Tips &amp; Inspiration<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-35\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/mens-clothes-fashion-accessories-guides-uk\/\">Men\u2019s Clothes, Fashion &amp; Accessories Guides UK | Latest Trends &amp; Smart Shopping<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-99\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-mens-perfume-aftershave-edt-edp-parfum\/\">Men\u2019s Fragrance Brands: Perfume &amp; Aftershave Reviews &amp; Buyers Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-95\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-perfume-aftershave-brands-edt-edp-parfum\/\">Perfume &amp; Aftershave Brands: Reviews &amp; Buyers Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-71\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/perfume-fragrance-best-scents-reviews-buying-guides\/\">Perfume &amp; Fragrance: Best Scents, Reviews &amp; Buying Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-21\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/pets-guides-tips-inspiration\/\">Pets: Guides, Tips &amp; Inspiration<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-113\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-phones-iphones-buyers-guides-reviews\/\">Phone Brands &amp; iPhones Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-115\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-phones-buyers-guides-reviews\/\">Phone Brands: Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-55\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/phone-insurance-uk-expert-guides-reviews\/\">Phone Insurance UK | Expert Guides, Reviews &amp; Smart Protection Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-125\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/sportswear-brands-reviews-buyers-guides\/\">Sportswear Brands: Reviews &amp; Buyers Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-129\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/trainer-brands-reviews-buyers-guides\/\">Trainer Brands: Reviews &amp; Buyer\u2019s Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-53\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/travel-insurance-uk-expert-guides-reviews\/\">Travel Insurance UK | Expert Guides, Reviews &amp; Money-Saving Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-77\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/uk-holidays-hotels-booking-guides\/\">UK Holidays &amp; Hotels: Best Destinations, Booking Guides &amp; Local Attractions<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-33\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/womens-clothes-fashion-guides-uk-latest-trends-smart-shopping\/\">Women\u2019s Clothes, Fashion &amp; Accessories Guides UK | Latest Trends &amp; Smart Shopping<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-121\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/womens-designer-brands-buyers-guides-reviews\/\">Women\u2019s Designer Brands: Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-123\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/womens-designer-shoe-brands-buyers-guides-reviews\/\">Women\u2019s Designer Shoe Brands: Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-91\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/womens-dresses-online-shopping-guides-style-tips\/\">Women\u2019s Dresses | Online Shopping Guides, Style Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-97\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/brands-womens-perfume-edt-edp-parfum\/\">Women\u2019s Perfume Brands: Reviews &amp; Buyers Guides<\/a>\n<\/li>\n<\/ul>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019re doing fine, right up until you\u2019re not. A bad back keeps you off work, your employer cuts hours, or redundancy lands without warning. The bills don\u2019t pause, your credit repayments on loans and mortgages still leave the account, and the credit card minimum payment is still due. That\u2019s the gap&nbsp;Payment Protection Insurance (PPI)&nbsp;is meant [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,8],"tags":[],"class_list":["post-20587","post","type-post","status-publish","format-standard","hentry","category-expert-buying-guides-shopping-tips-for-uk-shoppers","category-compare-uk-insurance-options-expert-buyers-guides"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Payment Protection Insurance: What You Need to get Covered<\/title>\n<meta name=\"description\" content=\"Understand Payment Protection Insurance and how it can cover your payments during unexpected job loss or illness. 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