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Many thanks for the replies.

They are, but we could be too if we ever needed to claim, which would end in a endless blame game between the lenders and insurer. Fingers crossed the results are good news and we can just start a new policy in March. No other cover in place.

Many many thanks. I've been going through the library of documents we received at the time, but nothing yet.

Any help much appreciated Was with EBS - took out protection through them with Irish Life. Changed to Ulster, at the last stage of the switch we were told our protection is non-transferable - Block Policy?? Do not remember being clearly advised of this. May be in the terms, but I guess that is...