I apparently have another letter arriving from Lloyds, I'll upload as soon as it arrives.
Thanks very much for the help.
I was told 'no insurance, no loan' they've tried to say that was a legal requirement in 1995. Also, there was no explanation at all of the insurance being assigned to the bank, no discussion re existing cover, and to top it all I've had a heart condition since the 80s (which was dismissed as it didn't matter) so it probably wouldn't have paid out anyway if the worst had happened!
Even I can see a few holes in this