I have a mortgage with ulster bank, 6 years left with 60k left to pay and I have mortgage protection with zurich life at 37 pm, I'm 58. I've gotten quick online quotes for mortgage protection from between 15-20 a month so on paper it looks like it's a no brainer to change. The main thing seems to be to have the new policy in place before I cancel the old one and then write to the bank requesting the change. Are there any hidden charges/problems dealing with the bank that I need to be aware of?