Friend of mine has been out sick from work since October last year. They have a mortgage and various insurance policies in place, and didn't realise that one of them was PPI. They have been into their bank and spoken to their insurance provider on numerous occasions trying to find out if it was possible to claim from any insurances that they are paying for. Both people told them no, that the policies were personal accident, life assurance and mortgage protection. A bit more digging around in their paperwork, and it transpires that one of the insurances is PPI. They hot-foot down to the bank and get told that they have a claim and will receive over €2k, the bank worker then goes away, comes back and says 'sorry you had 240 days to claim this and you're out of time' Is it worth pursuing them to make them pay or will they just refund premiums and cancel the policy?