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Insurance and PPI

Read answers to frequently asked questions, including information about how to make a PPI claim or complaint.

How do I make a PPI enquiry or complaint?

You'll find all the details you need about making a PPI enquiry or complaint at our dedicated page - Payment Protection Insurance (PPI) Enquiries and Complaints.

What is Payment Protection Insurance (PPI)?

It’s an optional insurance we used to sell that covered loan or credit card repayments in the event of accident, illness, involuntary redundancy or loss of life. 

You might have paid for your PPI in one lump sum, or have paid for it monthly alongside your usual credit card payments.

Some customers might still have active policies on their accounts.

How do I cancel my optional LifestyleProtect policy?

You can cancel your optional LifestyleProtect policy by giving 30 days' notice.

Call: 0800 587 0525 (option 2)
Textphone: 18001 0800 587 0525 (option 2)
Lines are open 8am-10pm every day.

Post:
MBNA Limited
Chester Business Park
Chester
CH4 9FB

How do I make a claim under my optional LifestyleProtect policy?

To claim, contact Covéa directly.

Call:
0800 587 0525 (option 1) or Textphone 18001 0800 587 0525 (option 1). Lines are open Mon-Fri 8am-6pm.

Write:
Covéa Insurance Services Limited, Team 104, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JX.

What is LifestyleProtect and what are the benefits of my optional LifestyleProtect policy?

LifestyleProtect is an optional insurance we used to sell. It's no longer available to new customers although some customers might still have active policies on their accounts.

LifestyleProtect has lots of benefits, including covering your credit card payments if you're out of work due to accident, sickness or involuntary unemployment, are hospitalised, become a carer, or loss of life.

LifestyleProtect could also help you with life events, like having a baby, getting married or purchasing a main home.

Please check your LifestyleProtect policy document for more information.

To speak to the insurer about a new or existing claim, or to discuss your policy, please call Covéa Insurance on: 0800 587 0525 (option 1) or Textphone 18001 0800 587 0525 (option 1). Lines are open between 8am-6pm Mon to Fri.

Alternatively, write to Covéa Insurance Services Limited, Team 104, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX.

Where can I find my LifestyleProtect policy documents?

If you're an existing policyholder, go to the the 'What's Protected' in Online Card Services to find your documents.

To request a paper copy, call 0800 587 0525 (option 3) or Textphone 18001 0800 587 0525 (option 3). Lines are open 8am-10pm every day.

As an existing policyholder, how do I know if I am still eligible for LifestyleProtect?

Although you might have been eligible for LifestyleProtect when you first took out the policy, you might not be eligible for certain parts of the cover if your circumstances have changed.

To find details of the eligibility requirements, check your policy documents. You can find these at the ‘What’s Protected’ section in Online Card Services. To request a paper copy, call 0800 587 0525 (option 3) or Textphone 18001 0800 587 0525 (option 3). Lines are open 8am-10pm every day.

You can use the same contact numbers if you think you’re no longer eligible – just choose option 1. Lines are open Mon-Fri 8am-6pm.

What is a Payment Protection Insurance (PPI) annual statement review and why have I been sent it ?

It's a regulatory requirement for us to send a Payment Protection Insurance (PPI) annual review statement to all LifestyleProtect policyholders who've been charged premiums in the last 12 months, as long as the policy hasn't been cancelled.

The statements are posted between January and March each year. They show useful information, like the cost of the insurance policy, tells you it’s optional, and that it can be cancelled by giving 30 days’ notice. It also provides a summary of the level of cover.

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