Consumers spend billions of pounds on insurance policies every year. But how much of it do they really need and could they be paying less for any of it? Using a step-by-step approach, this guide explains what to take into consideration before buying insurance so that the reader can avoid under- and over-insuring, and duplicating, and points out what to look for in the small print. Case histories throughout illustrate the sorts of mistakes that are frequently made, and how they can be avoided. This text covers a broad range of policies from house contents and buildings to holiday, health and car insurance. It also examines the pros and cons of life insurance as an investment.