Mr. Shane O'Sullivan:

They do but I am not sure of providers' actual obligations. On occasion we are advised by the insurance company that the direct debit has fallen away. I do not think they are obliged to inform us but it certainly happens in some cases. When we contact customers who have fallen into arrears we investigate what policies are in place. It is frequently the case that one of the reasons for the customer being in arrears is due to unemployment or reduced income and the customer may already have decided to forgo his or her life assurance or mortgage repayment protection plan.