heres a corker and one which Eddie Hobbs would string me up and hang me out to dry for :-( We took out a self build mortgage approx 3 years ago. Full amount applied and approved was €450,000 so life cover arranged for that. About 2 years ago, we sold our old house and knocked lump sum off mortgage so now have mortgage approx 100k. You can see it coming can't you? Yes - DD every month out of our account of €55 for life cover on 441k at the moment. Stupid, stupid, stupid. Though I do lay a teeensy weensy bit of blame at the brokers door for not following up with us on a yearly basis anyway. Question is - would the insurers cough up for the excess paid? Or is in money down the drain? From quotes on line, it should only be costing me about €18 a month.