From: Sugar Free 
Newsgroups: uk.finance
Subject: Can Anyone Help - Insurance Policy Tracing
Date: Sat, 19 Feb 2005 22:47:09 +0000 (UTC)

Hi

Wonder if it is possible somehow to find out if an insurance policy
exists or still exists - specifically, this would be a policy covering
the mortgage debt on a house.

There is some debate as to whether there was, is, or is not a policy
to such effect.

There is room to believe that the mortgagee (now deceased) may have
paid annually by cheque, leaving his wife unaware of either payment or
possibly existence.  No paperwork has yet been found to support the
existence of such a policy, though relatives are all fairly certain he
would have had cover.

I am in the process of writing to every finance company that was dealt
with according to records we do have, and who may have provided
insurance at some point.

I guess what I'm asking is if there is an easy way to find out - such
as one might discover any charges on a property at Land Registry.

If not.....

.....any ideas on how one might clear a 92k debt with very limited
income and an estate worth, um, not a lot, given that the house is now
technically owned by a trust set up in the will. 

Is there a way of getting the mortgagor to hold off in the situation
that money is due to the estate at some (undetermined) point in the
future, of undetermined amount, due to an accident in which liability
has so far been admitted.

Thanks in advance for your help