£169.00

Market investigation into payment protection insurance

Insurance

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Last 264 days • 264 data points (No recent data available)

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Price distribution over 264 days • 1 price levels

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Most common price: £169 (264 days, 100.0%)

Price range: £169 - £169

Price levels: 1 different prices over 264 days

Description

The Office of Fair Trading (OFT) referred the supply of Payment Protection Insurance (PPI) to non-business customers of the UK to the Competition Commission for investigation under s. 131 of the 2002 Enterprise Act on 7 February 2008. The Commission's provisional findings were published in June 2008 (ISBN 9780117038622). PPI covers repayments on the insured credit product if the borrower suffers an insured event, usually accident, sickness, unemployment or death. PPI is sold to cover a variety of credit products, but over 90% of the PPI sold in the UK in 2006 was either personal loan PPI (PLPPI), credit card PPI (CCPPI), mortgage PPI (MPPI) or second-charge mortgage also known as secured loan PPI (SMPPI). Other forms of PPI include motor insurance and retail finance. Most PPI policies are sold by distributors at the point of sale of the credit being insured. The PPI policies sold are underwritten by insurers. In 2006 customers in the UK paid £4.4 billion in premiums to be covered by PPI policies and such policies are usually sold either face-to-face; over the telephone or via the internet. PPI policies are paid either through a regular monthly premium or a single premium, which is added to the loan amount when the loan is agreed. The Competition Commission found that each credit provider and financial intermediary faces little competition for the sale of PPI when it is sold in combination with credit it insures. The lack of competition makes PPI highly profitable, with the Commission estimating that the 12 largest distributors of PPI make profits in excess of the cost of capital of £1.4 billion in 2006. To address the lack of competition, the CC will be introducing a package of measures to introduce competition in the market including: a ban on the sale of PPI during the sale of the credit product and for seven days afterwards, a prohibition on single-premium policies, personal PPI quotes, annual statements and measures to make sure that improved information is available to consumers to make it easier for them to compare and search for products and switch policies at a later point.

Product Specifications

Format: paperback
ASIN: 0117067369
Category: Books > Subjects > Business, Finance & Law > Professional Finance > Insurance
Domain: Amazon UK
Release Date: 31 March 2009
Listed Since: 07 April 2009

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Market investigation into payment protection insurance

It has never been this cheap. We have no record of a lower price.

Price History & Forecast

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Description

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