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Get insurance. Or claim housing benefit.
It's actually very difficult to get repossessed unless you just bury your head in the sand. If you talk to the lender, make small payments when you can and show you're trying to resolve it it's in their interests to help. I'm aware of someone who was 10 months behind with payments and wasn't even taken to court by the lender.
Hefty
I'm scared I lose my contract so I can't pay the mortgage and costs me my house