"Payment protection insurance – know the facts before you decide", includes this paragraph:
Many people do not realise that they have a choice other than the cover offered direct by a lender – such as the bank, building society or credit cared provider. Moreover the purchase of PPI cover should not be viewed as ensuring that a loan will be granted. Instead, you often find there is better insurance both in the cover and price available from an independent specialist intermediary available on the BIBA website www.biba.org.uk – and this also means you will benefit from expert advice.For some people it's a needless expense, or at least not worth the money compared with the risk that it might be needed. So it always merits thinking about the issues before deciding whether or not to take out PPI.