General insurances

This covers things like buildings and contents insurance, car insurance and travel insurance.

Regularly check the amount you’re insured for, especially on home contents policies. So many people are under-insured, which doesn’t come to light until you make a claim.

Make sure all your jewellery and tech is covered, and itemise things on the policy if you’re not sure, especially for taking them away from your home.

Documents (and photos of receipts for expensive items) should ideally be kept either in a fireproof box or safe, or online in cloud-based storage.

Everyone who has a roof over their head, car parked outside or a holiday booked should consider insuring it. No, insurance isn’t fun – but it’s vital to get it right for your circumstances.

Once a year, it’s worth reviewing you’ve got all the policies you need in place. Also check switching or comparison sites for better deals – and then you can forget about them for the next 12 months.