Florrie,(posted 7632 days ago)I'm afraid the insurer has 12 years, the same as the lender, under the rights of subrogation. There has been a fair bit posted already on this before, see the posting entitled "right of subrogation" dated 8th February 2003 and "On the MIG Question" which I think was in November 2002. Will come back to you re your other request.
Mark.