Existing Payment Protection Insurance (PPI) customers

What is PPI?

Our PPI provides cover for your mortgage or credit card payments in the event you can’t work due to accident, sickness or unemployment. 

Bank of Scotland 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.
  • Critical illness – if you are diagnosed with a critical illness.
  • 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

Bank of Scotland Credit Card Repayment Cover policy booklet (PDF, 353KB)* 

Bank of Scotland Payment Protection Cover (Mortgage PPI) policy booklet (PDF, 239KB) 

  *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 0333 1304662 option 1. Lines are open Monday to Friday:  9am - 5pm

 

How do I make an insurance claim on PPI?

To register a claim please call the relevant phone number provided below: 

how do I make an insurance claim on ppi?

Product

Helpline

Opening times

Product

Payment Protection Cover

(Mortgages PPI)

Helpline

Opening times

Monday to Friday: 9am - 5pm

Product

Credit Card Repayment Cover

Helpline

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 or Critical illness cover.