Yes, MIGs appear block policies. Pendle raises a key issue.(posted 8189 days ago)The two 'releases' of examples of these block policies that I have seen have come from Halifax, and relate to policies issued by Sun Alliance (now Royal Sun Alliance = RSA).
These contain the interesting statement: "Whereas.......(c) the Mortgagor has made a proposal to the Company...". Repossessee, *you* are the "mortgagor". The Company is e.g. Sun Alliance (now RSA). The wording of this generic MIG strongly implies that the repossessee might be party to the contract. If this were the case, then one's right to ask to see the lot seems assured, at the very least at the point of disclosure (but hey, what do I know???). This is the same blank policy which Halifax has sent to at least two readers of this Home Repo Page, shortly before I understand that it issued claims against them.
I just wish I knew more about contract law.
Obviously I admit to knowing sweet FA about the law & finance. It just strikes me as odd.