Based on our visits and mystery shopping, we think that consumers are more likely to get poor outcomes in the PPI markets which have these features. The purchase of PPI is usually a secondary focus for customers; their primary purpose is to get another financial service or product such as a secured or unsecured loan. PPI is also a product that is generally sold to consumers, rather than one they actively choose to buy. In these circumstances, the sale of PPI policies together with the loan/credit can lead to unfair outcomes for consumers by blurring the separate elements of the sale and constraining firms from offering potentially.
