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can't see how it is that hard ?? insurance co's know when to charge us for a renewal? surely it is just a "plugin" to have a renewal inplace. As bad as it is (and i mean NO OFFENCE to anyone you has been caught up in disasters) but maybe the banks have not been hurt enough yet :( obviously...

yeah that is what i mean..they demand insurance in place to settle but dont require proof of continuancy.

I understand the UK way of mortagaing is a little different than ours. where we have ~30 yr mortgages , the UK have sort of "optional" mortgages.. whereby the mortgage co will give you a loan for $Xk over "X"years but with an "x" year option. so every "x" years you have to reapply for your...