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Mis-Sold Insurance: Donât Pay for Protection You Wonât Get!
The mis-selling of financial products has become rampant over the past few years with customer complaints ranging from misleading sales tactics to unfair provisions that ultimately mean you can’t ever claim on your policy. Payment Protection Insurance sales is particularly rife with deceptive ploys to get customers to spend hard-earned money on an investment that they were poorly advised on, or worse, duped into taking.
What is Payment Protection Insurance?
Payment Protection Insurance or PPI is also referred to as loan insurance and it is a type of policy that covers debt repayments in the event that the untoward should happen to you. This includes circumstances such as being laid off work because your position has been deemed redundant and being unable to earn a regular income due to an accident or an illness.
How to Tell If You’ve Been Mis-Sold
Payment Protection Insurance can be a good form of protection but the reality is, a lot of firms are so eager to make a sale that their agents often employ deceptive tricks.
Ideally, an insurance agent should have been able to explain in great detail what the insurance is about – How Much it will cost you in total, what it covers and what it doesn’t cover. Out of this explanation alone, you yourself will be able to determine whether or not you need, or even want that policy. If you weren’t completely cognizant of what taking out the premium entails, then chances are you have been a victim of mis-selling.
If you were unemployed, retired or self-employed at the time you were sold the policy or if you had a pre-existing medical condition that would have affected your ability to find work then you were tricked into buying that policy. Under these conditions, you cannot possibly claim your insurance and if you weren’t told or even asked about these circumstances, then you have been cheated because essentially, you threw hard-earned money away.
If you were at the time, taking out another form of loan and were told that the PPI was a mandatory requirement for approval, this is a mis-selling tactic. A PPI may be necessary but it should not be used as grounds for loan approval.
Also, an insurance agent is not supposed to sell you a payment protection premium if you already have an existing policy that offers repayment protection. It is the obligation of an agent to ask you if you already have existing cover.
What You Can Do
If you were mis-sold a PPI policy you can be compensated – you can get back the full amount that you have paid in premiums plus interest or if you haven’t been mis-sold but were treated unjustly, you are owed a refund.
To reclaim, write to your insurance agent or insurance provider and let them know of your intentions. Explain in detail your reasons for believing that the policy has been mis-sold to you. The agency in question must be able to give you an offer or at least respond to your complaint within two weeks. Otherwise, it is time to seek the help of government regulatory organization.
About the Author
If you have ever taken out any payment protection insurance it may have been mis-sold and you could be entitled to claim it back. Real Claims specialise in reclaiming mis-sold PPI and unenforceable loans
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