which includes unemployment? If you don't need unemployment cover, perhaps because you don't work or are self-employed, and mentioned this when you took out the policy, or were never asked about your employment status at all, a reclaim may be possible. Is the policy suitable? The unemployment element of PPI is only suitable for people who were working at the time they took out the policy, therefore you should have been asked about this at the time of application. Example question: Are you in permanent employment, self-employment or contract employment for more than 16 hours a week? Of course, if your policy only covers accident and sickness, with no unemployment element, this section doesn't apply to you. What is classed as working? Providers have different definitions, so it's important to examine your policy in detail. If you're self-employed, check whether your specific set-up is covered. As the unemployment element is a substantial part of the insurance cost, many who are self-employed have been paying for a semi-useless policy ? and this could've been a huge waste of money. If you were unemployed at the start of the policy (this includes students and stay at home parents), you were almost definitely mis-sold the insurance as, obviously, you wouldn't be covered for losing your job. The same applies if you knew you were going to become redundant or retire when you purchased the policy. If it isn't suitable, were you mis-sold? Assuming the policy isn't suitable, you need to establish if the