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Payment protection insurance

1. I have PPI and I want to make use of it. What should I do?
   

   If you are unemployed or on sick leave, you should get in touch with the insurer to inform them of your situation. You will also need to know the deadlines and what documentation you’ll need to submit your application. After this, they should cover your instalments and provide a monthly notice detailing the coverage.

   If this is not the case, we can help you defend your rights and claim what you are legally entitled to. You can begin by filling in our form. It takes less than 99 seconds.

2. What is payment protection insurance (PPI)?
   

   It is an insurance policy that will cover all or part of your monthly instalments on your loan if you lose your job, or if you are on leave due to illness or injury.

   The main issue with this type of insurance is that it is often included without the customer’s prior consent. Also, they often contain a number of coverage exclusions, i.e. specific situations in which the insurer will not be liable for paying out. They can add it to your contract even when they know you are affected by one of these exclusions.

   You can start your claim by filling in our form. It will take you less than 99 seconds.

3. Where can PPI be included?
   

   Although it is mostly included in mortgages, you can find this type of insurance in all kinds of loans. This is why we advise you to review all of your loan applications for the purchase of property to be repaid in monthly instalments. Such as, for the purchase of a vehicle. Even your housing rental agreement may include PPI.

4. Does this insurance cover my instalments for an unlimited term?
   

   No. This will be determined on a case-by-case basis and should be taken into account when signing. Read carefully through any coverage exclusions, waiting periods, if there are deductibles, the term period, and the maximum amounts that are insured. Such information must be concisely and transparently stated in the contract.

5. I am pregnant, can I benefit from PPI while on maternity leave?
   

   No, this type of insurance does not cover parental leave. It only covers the instalments of an employee who is unable to perform his/her duties due to sickness or injury. This will be subject to a doctor’s note issued by the Spanish Social Security.

6. Does this insurance cover all employees?
   

   No. This insurance is limited to workers who are in one of the following situations:

   1. People who are self-employed with over 6 months of tax contributions.
   2. Employees with a permanent contract.
   3. Employees with a fixed-term contract who have been with the company
      for over 6 months.
   4. Civil servants.
   5. There are some exceptions, such as permanent seasonal workers, offered
      only by certain companies

7. I have PPI and I didn’t ask for it. What should I do?
   

   If you are displeased with this policy and you haven’t taken it out knowingly and voluntarily, you can and should file a claim. You can start by filling in our form. It will take you less than 99 seconds.

8. Is my claim a sure win?
   

   As with any claim, it is difficult to predict how the procedure will pan out.

   What we can say is that we are very confident in what we do. And in how we do it. That’s why we are committed to our No Win No Fee policy. What’s more, during the process you can include our legal expenses insurance. This way you won’t have to worry about a thing in the unlikely event that your claim is unsuccessful.

9. What documentation do I need to file my claim?
   

   All you have to do is fill in our form with the information we will ask from you. You will reach a point where we will ask you to attach this documentation if you have it. If not, we will let you know how you can obtain it during the process.

   1. Your PPI contract.
   2. The loan contract linked to your policy.
   3. Payment slip. Or last receipt if it’s paid in instalments.