So I have now moved out and let my original PPR. I have paid a lump sum to bring the mortgage down to 20k. I didn't inform the bank of the change so still paying a rate of 3% (I'm a bold dog). I want to cancel the life insurance on this now as it's only 20k left and €20 a month for insurance. If I cancel will the bank be informed and ask/insist I restate it ? Will they sniff a rat and raise the rate if I tell them the situation ? Think I'll just cancel it via my own bank anyway but just checking for any reason not to.