刚了房子，当初MORTGAGE ADVISOR 给介绍的时候也犀利糊涂地，反正在N多保险选项里挑了2个保险。。。一个是54镑+ 另一个是12镑+。（记得有一个是保证你在失业的时候银行能帮你付几个月的MORTGAGE。。。 ）

几个月下来， 觉得这么个54镑的保险挺伤的。。。 听说HOME INSURANCE必须要买的，但也就13-15镑左右。。。

问题来了，是不是除了这个13-15的HOME INSURANCE 是强制性的，其他都可以CANCEL的？？找银行么？？



小弟先跪下了。。。 ToT

It is house insurance is compulsary, because bank need it for lending you money. Most people will buy life insurance, which is cheap if you buy it just for mortgage. The other insurance, if you have already bought, you should look at the terms and condition that the insurance company sent you, normally will charge you certain amount for cancelling half way.

只需留下房子的保险和严重生命疾病保险就可以了。

第一个保障地震什么的把你的房子震垮了，保险公司给你全部赔。

第二个保障你出门被车子撞死，得了恶疾病痨死，或者不想活了，自杀饮恨而死，你的房屋贷款依然有保险公司赔。

难听一点，您就将就着理解就行了。

先谢LS和LSS的。。。

LS解释的还真形象。。。我一听就明白了。。 = =；

哦这样啊，那这2个险一般每月在多少钱左右的捏？？

第一个，大约是10几镑吧。取决于房子的地段等情况。

第二个，大约是10到30镑不等，一个人的。取决于你的年龄，生活习惯，工作状况等等因素。如果你是50到60岁以上的老家伙，又抽烟又喝酒的，保险公司可能不会卖给你，因为他们会认为你不定什么时候就死翘翘了。

恩谢医师。。。

哈哈哈，内科王小芳医师，你的发言简直太BH了，哈哈哈。

哈哈哈哈哈哈哈

The third one you have might be payment protection insurance or PPI. It is a bit scandalous at the moment and pls do check with your insurance broker to see if you have been mis-sold as there are lots of complaints recently regarding non-pay-out PPIs.

Home insurance is normally compulsory as your mortgage lender will need it to protect their own interest in your property. Life insurance is probably necessary BUT it all depends. If you take out the mortgage alone, there is no point taking such insurance as you wouldn't be worried if passing away It is necessary when you have someone with you, husband/wife/children and you don't want them to lose out should worst thing happen.

home insurance 是买building 的好还是building 和content都买的好？
这里的content包括什么啊？