Contents1. Introduction
.....................................................................................................1
2. Is payment protection insurance good value for money?
..........................5
3. Exclusions
.....................................................................................................13
4. The selling process
......................................................................................25
5. Making a claim and being paid
....................................................................32
6. Closing the gaps
...........................................................................................41
Bibliography
.............................................................................................................45
Appendix 1
the Citizens Advice production baseline................................................47
Appendix 2
comparison of Council of Mortgage Lenders and Financeand Leasing Association baselines for payment protection insurance.......................50
Appendix 3
List of Citizens Advice Bureaux that submitted evidence betweenJanuary 2004 and April 2005.....................................................................................54