I have buildings/contents insurance with Zurich with Halifax mortgage and have just found out when I renewed my policy with much better rate that I can't cancel the Zurich one. Thankfully I am still in 14 day cooling period and stopped my new one. Appears with Spanish Law you need to cancel your old policy 2 months before it expires. Just thought I'd warn anyone else who does'nt know. We were not told of this when policy was taken out.