 In the rare cases where the customer is not prompted or pushed towards a policy, but seek it out, may have little recourse if and when a policy does not benefit them.As PPI is designed to cover repayments on loans and credit cards, most loan and credit card companies sell the product at the same time as they sell the credit product.By May 2008, 20 million PPI policies existed in the UK with a further increase of 7 million policies a year being purchased thereafter.