2.4.13 Insurance-only Clients

There are several categories of insurance-only clients:

• those who have been borrowers and have paid out their loans;

• the existing file number is retained.

• those who are DSH eligible and who have never taken up a loan but wish to take out contents insurance;

• a new file number will be allocated when contents insurance is taken out.  This file number is then used if the person later applies for a loan.

• those who are not DSH eligible but wish to take up DSH contents insurance;

• a new file number will be allocated.

• those who are ADFHLAS clients and wish to take up DSH house insurance and/or DSH contents insurance;

• a new file number will be allocated.

NOTE:  Persons who have revoked DSH entitlement in favour of the ADFHLA — S Scheme already have a file number.

• those who are not DSH eligible and have existing DSH insurance;

NOTE:  These people will be allowed to retain DSH insurance while they remain in the house in respect of which a subsidised advance had been made.

• Where the existing file number relates to an eligible person, a new file number must be allocated to this 'ineligible' person if the eligible person wishes to exercise portability or to take up contents insurance.