If you’ve hand a bank loan or credit card and they’ve added payment protection in case you lost your job.
I got £2500 back from Lloyds a few years back.
When I was a kid my parents had loads if loans a debt. I applied for them and got them £22,000. Its been a godsend for them as my dad retired early through ill health.
I know I had PPI with an Egg card too, but I’ve done nothing about it.