Hello Fizgog,

I'm sure you will get replies to your post so here my input. What Insurance you need is largely dependent on your personal circumstances.

You may be married with children or a single person, you may wish to have insurance on a 'decreasing term' meaning as the mortgage amount decreases the level of cover decreases thereby only paying off the amount required - no extra left. Or have a policy that covers the amount you paid for the house at the onset then if you were to die any amount over after the remaining mortgage is paid off should go to your NOK. Whatever you decide it is not always best to buy this insurance from your mortgage provider and indeed although they will require proof of this being purchased you can shop elsewhere. I would suggest that you check out this site under Insurance which will give you a rough figure on what you need to get relating to the value of the house etc.

Best wishes,

Paul