A National Insurance Number is necessary because there are circumstances when you need one, such as claiming benefit. If, for whatever reason, you do not have a National Insurance (NI) number, it is possible to apply for one. Your National Insurance number is your own personal account number, it is unique to you and you [...]

You are likely to be offered PPI by the company when you take out a mortgage or other loan or credit agreement, but you do not have to buy it from them. You can buy it yourself separately from insurance brokers, including over the internet; shop around to get the best deal for you; and [...]