Combined Initial disclosure document. The Combined Initial Disclosure document is used by lenders and intermediaries dealing with mortgages and non -investment Insurance products that are regulated by the Financial Services Authority. The CIDD combines information contained within a Mortgage IDD and an Insurance IDD. The CIDD explains which services a firm will provide you with and which lenders/insurers the firm will select mortgages/non-investment insurance products from. The CIDD also provides additional information, such as: what you will have to pay us for our services. The information is set out as defined by the Financial Services Authority, in order that CIDDs provided by the different lenders and intermediaries contain the same information and are therefore easy