Yes, we have seen a marked delay in getting cover for clients.Again, if you have no health issues, you have no worries, you’re looking at 3-5 days to get your cover.However if the insurer requires a PMAR (medical report from your GP), you could be waiting up to 8 weeks depending on how efficient your GP is / how busy the surgery they work in is. September is traditionally the busiest time of the year for buying houses which have a knock-on effect at the surgeries. Of course, the backlog created by COVID19 has created the perfect storm.Backlog + stricter underwriting = huge demand on GPs who are already overworked due to COVID.Seriously, if you intend to close before Christmas, and you have an underlying health issue that may require a GP report, it’s time to get those ducks in a row.You might think I’m crazy but trust me, THE WORLD AND HIS WIFE want to be in their new home before Christmas. It gets busier than a queue at Krispy Kreme drive-thru. Be smart and avoid a stressful December by having your mortgage protection arranged well in advance.