External
Procedure
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.