The amount due to you when you finish repaying your loan or mortgage should tally with the total amount of your contribution to the personal protection insurance policy. When you visit the ppicalculator.co, you will get to learn of the formula that you should use in tabulating your refunds. This way, you will be able to get the full amount due to you. Most people who have applied for this insurance policy do not claim for a refund of their premiums when they finish repaying their loans or the mortgage. Most of these people are the ones who applied for the insurance policy through banks when they were applying for the loan. This way, most of them are not even aware that the premiums to these policies are refundable. As such, they fail to claim for the refund of their premiums. This is the main reason why the government has started a campaign to encourage its citizens to start claiming for their premiums refund. In addition, there are various PPI claims companies that have been licensed to help individuals to process their refunds fast. It is important to note that this form of insurance policy is not compulsory. Secondly, you should know that the premiums you pay for this insurance policy are refundable.