Hi Louise, I think there's a section on this forum that covers it, actually. Defo do a plan though. I started mine 10 years ago when I bought my first property. Bascially I think you pretty much have to have one if you own a property...but there are different options, and of course, if you have kids and stuff I would say its pretty much essential. Mines through Aviva and it's only like £13 a month and basically covers the mortgage if the worst happens. Hope that helps?