Quote files and bind files are different RIBO animals

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Must quote-only and bind files be stored in separate folders?

Confirm with your principal broker. RIBO expects documented quote interactions (especially auto TAC quote logs) and retainable consumer files — typically at least six years under Guidance 004 themes. Separate quote vs bind packages is common operational hygiene so spot-check samples stay coherent; it is not a substitute for reading current RIBO guidance.

What goes in a quote-only package?

Disclosure evidence at/before quote, TAC quote log fields where auto applies, documents collected for quoting, and communication notes — per RIBO guidance and your compliance manual.

When does quote convert to bind?

When the client proceeds. Promote already-approved items (for example driver's licence or claims letter) into the bind checklist so you do not re-collect blindly.

Can one Hivi-X client have two checklists?

Yes — use quote and bind phases or separate checklist instances on the same client record, then export each package as needed.

What commonly fails RIBO file production?

Missing written disclosure proof, incomplete quote summaries, and bind folders with no index of earlier quote activity — see the spot check prep guide.

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