Cancelling Dual Mortgage Protection Insurance on sold house

[Blinky]

I took dual life mortgage protection insurance with Zurich on our house. My ex-wife and I divorced and I was paying the insurance yearly until the hose sold. The last payment was for over €700 on December 1st and the house sold early January. I contacted Zurich to cancel the policy to obtain a refund for the unused 10 months(about €580) but was informed my ex-wife needs to approve it as well as this is the way it was set-up.
Why would my ex-wife need to approve as the house is no longer in our name and there is no longer a mortgage. My ex and I are not on speaking terms and will not voluntarily do anything to assist me.
When I took out the insurance I requested dual life, not dual approval to cancel it.
Shouldn't a policy be cancellable automatically if there is no property still to protect?

 

[44brendan]

The contract with the insurance company is nothing to do with the house ownership. It's a joint policy and the company have no concern as to who paid the premium. Any refund due would also be made to both parties.

Shouldn't a policy be cancellable automatically if there is no property still to protect?

See my earlier comments. House ownership is irrelevant to the policy!

 

[Branz]

Another item to add to the list of things in the judicial separation/divorce docs