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Zurich Assurance & Paymentshield

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Hi,
I bought a house last year (July 2012) from Edwardmellor on mortgage. I dont know much about the insurance requirements. I have two different insurances on my account one is Paymentshield Home & Contents Insurance and other is from Zurich. I dont have any documents for the Zurich insurance all I have is the direct debit details on my bank statements which listed as "Zurich Assurance". last week I received a call from Edwardmellor and they told me that my insurance is due to expire and call us for new quote. My question is what is Zurich Assurance and do I have to have it?

Regards
Irfan

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