...unemployment cover)? When buying the above insurance will they check with my mortgage provider how much im paying or will the just stick with what i have told them? cos the end of the day im paying more a month do them if i say a higher amount,my mortgage is in joint names but now im the sole earner as my wife looks after our baby will this affect my insurance, i pay the mortgage with my bank account so it shouldn't should it? my mortgage is 381 i told the i want to claim 650 ,my mortgage is variable rate so it could go up and this will help for council tax and insurance please give me some advice