well, technically I'm not living in the house. I have had to take out an investment mortgage to buy the house, because of the fact that I'm currently residing in the uk. Maybe it's not a necessity to take out mortgage protection if you're not living in the property. Dunno, have the mortgage anyway, have the house, don't have mortgage protection.
Don't get me wrong, I think I'm an idiot for not having mortgage protection and am in the process of resolving it.