Hello, For my previous mortgage I took out a mortgage protection policy which was paid monthly by direct debit ( €13.77 ) . Two years ago I moved house and never got around to canceling the policy. I have now canceled the policy and the direct debit. I requested a refund of 24 monthly payments as in my view I was paying a premium for which the insurance company had no exposure i.e the mortgage was paid off. The insurance company say as I did not inform them they continued to operate the policy and would have paid up in the event of a claim. I find this hard to understand as there would not have been a mortgage to pay off and undoubtedly they would have checked this fact in the event of a claim. Are they right?