Car Loans customers have been urged not to feel "obliged" to take out payment protection insurance (PPI) when they take out their loan.
Lucy Widenka, personal finance campaigner for consumer magazine Which?, explained that PPI is often sold alongside a number of products, including loans.
However, the expert suggested that consumers should not feel like they have to take out insurance with their financial products until they have sought independent advice.
If consumers are finding "money is tight", they may be "better off" using the money they would spend on PPI to obtain financial advice and "more robust protection for your finances", she stated.
Car loan customers may be interested to know that in a recent review of the PPI industry, it was found that a number of organisations were failing to treat their customers fairly.
Some firms were found to have been failing to explain products clearly and ensuring they were suitable for their clients. 
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