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FAQs

Please select the category you wish to view from the links to the right-hand side.

 

 

Can you arrange home insurance?

Yes, Home Insurance for C&G mortgages allows your client(s) to choose buildings insurance, contents insurance or both. Click to view the Home Insurance for C&G mortgages policy summary.

 

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Who underwrites Home Insurance & Payment Protection Plus for C&G mortgages?

Home Insurance and Payment Protection Plus for C&G mortgages are underwritten by Lloyds TSB General Insurance Limited.

 

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What will you pay me for an insurance sale?

You will receive £25 for every Buildings policy, £25 for every Contents policy and £50 for every Payment Protection Plus policy.

 

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What home insurance discounts are available?

Your clients can save up to 57% on their premiums with Home Insurance for C&G mortgages.

 

  • 10% if their home is fitted with a working intruder alarm
  • 12% if they take out buildings and contents insurance together
  • Up to 35% with the no-claims discount from their previous insurer.

However, if your clients have never had home insurance they can still benefit with a special introductory discount of 10% off their buildings insurance premium.

 

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How do I obtain a quote for Home Insurance and/or Payment Protection Plus?

An indicative quote for Home Insurance and/or Payment Protection Plus for C&G mortgages is obtainable on C&G Caseflow.

 

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How do I apply for Insurance on C&G Caseflow?

When completing the ‘Product Details’ screen in the Full Mortgage Application (FMA), if your client(s) would like to take out Home Insurance for C&G mortgages and/or Mortgage Payment Protection Insurance, please respond accordingly to the questions:

 

  • Is C&G home insurance required?
  • Is C&G payment protection insurance required?

If selecting ‘Yes’ to Payment Protection Plus for C&G mortgages, a separate form must also be completed and is available from your Business Development Manager.

 

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How do I apply for Insurance on applications not being submitted through C&G Caseflow?

To apply for Home Insurance and/or Payment Protection Plus for C&G mortgages, tick the box in the Mortgage Decision in Principle & Application Form.

 

Home Insurance - please make sure you have supplied the number of claim free years if applicable.  Please note, your client(s) can only apply for Home Insurance for C&G mortgages at the same time as they apply for their C&G mortgage.

 

Payment Protection Plus - a separate form must be completed and is available from your Business Development Manager.

 

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Can you arrange insurance on a buy-to-let property?

Yes, buildings insurance can be arranged for buy-to-let properties.  Contents insurance and Payment Protection Plus are not available when the property is to be let.

 

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Who can I contact if I have any problems with the insurance application process?

Should this happen you should contact your Business Development Manager.

 

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What will my client(s) receive and when will they receive it?

Your client(s) will receive a welcome pack which will include their policy schedule, a policy booklet and details of the Direct Debit date and premium.  This will be received shortly after completion of the mortgage.

 

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How can my client(s) pay the insurance premiums?

Premiums are payable by Direct Debit. 

 

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Can you arrange Mortgage Payment Protection Insurance (MPPI)?

Yes, Payment Protection Plus for C&G mortgages is designed to protect your client’s C&G mortgage payments if they become unable to work due to an accident, sickness, or if they become involuntarily unemployed.  Click to view the Payment Protection Plus for C&G mortgages policy summary.

 

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My client is self-employed. Can he/she apply for Payment Protection Plus?

Yes they can. The policy will, however, exclude cover if their company goes into voluntary liquidation.

 

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My client works part-time. Can he/she apply for Payment Protection Plus?

This depends on the number of hours they work each week.  Employment is defined in the policy as working for at least 16 hours per week.  If, however, they do not qualify and their partner works full time and is named on the mortgage, then he/she could cover themselves for 100% of the loan.

 

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My client is 65 years old. Can he/she apply for Payment Protection Plus?

No.  The policy provides cover only for borrowers aged between 18 and 64. When they reach their 65th birthday, they are no longer eligible for cover.

 

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