Insurance a necessary evil

Everybody hates having to pay insurance because not only is it an expense, it is an expense that already acknowledges that something is going to go horribly wrong at some point during the year...

New Year is as good a time as any to sit down and get the all important insurance quote for your vehicles, your home and contents and maybe even your traveling (should you be fortunate enough to be planning any travel...).
One of the huge advantages of the online world is that things like insurance are now ultra-competitive which means that most of us are paying less insurance than we were a few years ago.
My golden rules for insurance are:

• Do we really need it? (Home and car are no-brainers, everything should be looked at long and hard)
• Have we got the right level of cover? (there is little worse than paying out fpor an insuranec that doesn't actually help you out when things go wrong..).

Happy shopping