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Claim Back Loan Insurance

Claiming guide

There are currently more than twenty million Payment Protection Insurance policies in the UK and it is estimated that many of these may have been mis-sold. This means if you have a PPI policy there is a good chance you may be entitled to thousands of pounds of compensation. Follow our PPI claiming guide to find out what you need to do to get your refund!

Do you have PPI?

To confirm you have PPI check your original loan agreement or a recent statement. PPI is referred to be different names by different lenders. Some examples include: Loan cover; accident, sickness and unemployment cover; mortgage protection insurance and Lifestyle cover. Other lenders may simply refer to a policy as being 'protected' or 'unprotected'.

Remember, you may have been sold PPI on a personal loan, credit or store card, mortgage or hire purchase agreement. If you are unsure you can call your lender and ask whether you have the insurance.

Was your PPI mis-sold?

The next step in our claiming guide is to establish whether your PPI was mis-sold. There are many different ways in which PPI can be mis-sold, some examples include:

  • The policy was added without the customer's knowledge.
  • The policy was sold to the customer even though their circumstances made them unsuitable. For example: because they were retired, in full time education or unemployed.
  • The policy was sold without the terms and conditions or costs being fully explained.
  • The customer was led to believe taking the insurance would secure the loan or improve their chances of being given the loan.
  • The customer was sold the policy even though they had cover in place elsewhere.
  • The customer was pressured into taking out the policy by a salesperson.
  • The customer was sold a single-premium policy that would not cover the whole of their loan.
  • The customer was entitled to full sick pay from their employer.
  • The customer was not told the policy was optional.

If one of the above circumstances applies to you, you are ready to move onto the next stage of our claiming guide. If you are still not sure where your policy was mis-sold why not call our claims team on 0207 471 2000?

What information do you need to make a claim?

In order to register your claim you need just a few simple pieces of information. Primarily, you will need to know the name of the company who sold you your policy (whether that be a bank, building society, broker or garage) as well as your loan agreement or reference number. You should be able to find your reference on your original agreement or a recent statement. If you cannot find the reference you can call your lender and they should be able to provide you with this information.

How do you get started?

Once you have found your reference number the next step in our claiming guide is to request your pack. To do this, just complete the quick claim form above and submit your details. We will then send you out a pack in the post to complete. Once you have returned the pack, in the freepost envelope provided, we guarantee to start your claim in just 24 hours. We have a great deal of experience negotiating with banks and other lenders and we have already reclaimed more than £50 million.

Remember you can make as many claims as you want and you can even make a claim if your loan is already paid off or you no longer use your credit card account.

We hope you found our claiming guide useful and we wish you luck with your claim.


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Belmont Thornton Limited is regulated by the Claims Management Regulator in respect of regulated claims management activities; our registration is recorded on the website www.gov.uk/moj/cmr number 18273

Belmont Thornton Limited is incorporated in England and Wales, Company number 6621233, whose head office at Unit 16, Elysium Gate, 126 New Kings Road, London, SW6 4LZ and registered office at Harwood House, 43 Harwood Road, London, SW6 4QP.

Belmont Thornton Limited is registered with the Information Commissioners Office. Registration number Z1728023.

Please note that calls may be monitored for the purposes of staff training.

* Belmont Thornton operates on a "No Win No Fee" basis. This means that there are no upfront costs to pay. Our fee only becomes payable on a successful outcome of a claim. A cancellation fee is payable if you decide that having instructed Belmont Thornton to act on your behalf, and after 14 days of signing your Letter of Authority, you do not wish to continue pursuing your claim with us. The cancellation fee is the reasonable costs incurred for the work undertaken. Please see our terms of engagement.

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