We had a strange letter from Santander (Abbey National in English) this week saying that since wed paid off our mortgage (we havent we just paid off half of it when our endowment matured last year) we hadnt been sent a renewal notice for our structural insurance in November and therefore havent been insured for the last 8 months. Well, thanks for letting us know! Thank goodness weve not needed to make claim! Anyway if wed like to give their insurance advisors a call they can sort out a new policy for us. So we phoned Direct Line instead and they sorted out an amendment to our contents policy to cover both contents and buildings. I've often seen disasters on the news and thought "Fancy not being insured!" when for the past 8 months that could have been me!