A High Court ruling in the United Kingdom on payment protection insurance means millions of people who took out policies could be entitled to compensation.
The insurance is supposed to cover loan and credit card repayments for those who become too sick to work, or lose their jobs.
But many policies were sold to people who didn't need them or who were ineligible to claim.
Chief officer of the Office of Fair Trading Paul Gelling explained the position in the Isle of Man to Elizabeth Cubbon:
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