thread oh blimey..
you could have paid an annual premium or something I suppose.
permalink I wouldn't have done and I've checked bank statements from around the time
I bought. Plus I'd have got the renewal. I think this is a hard earned lesson on getting my shit together and behaving like a grown-up.

Fortunately as shit that necessitates a buildings insurance claim goes this was pretty tame, and we can live without a kitchen ceiling until we save up a bit. I also told our next door neighbour we're uninsured and he'll do the repairs and replace our bathroom at a decent price.
permalink I'm no expert
but I don't think buildings insurance is something that ever automatically happens, you have to go and get it yourself just like car insurance. You also need to make sure it tallies with your mortgage value so that you're not underinsured.
permalink I know, but I ordered it and it was set to start when my mortgage did.
I was rather overwhelmed at the time and didn't consider that I might have to do something about it, and I presumed another monthly payment was it. I'll find the paperwork eventually and properly figure out what happened.

I'll also be writing to the company that installed the conservatory to let them know what utter twunts they are.
permalink speak to your mortgage advisor
.. they must have a record of what they sent to the mortgage co.
permalink Is it included in your mortgage ?
they can be bought together.