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Not the point at all. Sounds like you were offered it and turned it down, so it wasn't mis-selling. I had no choice, it was rolled in to my mortgage product, and then continually over-charged for it, even though it could never have paid out. That is completely mis-selling, so I quite rightly got...

Absolutely. Uncle Spielberg did mine for me, not that I think it was that difficult. All very easy, all very quick. Took one form and about a week and all sorted with a nice cheque, no questions.