Isn’t it amazing how technology moves on within a generation? I remember when I was younger the first day a kid brought his new pay-as-you-go mobile phone into school, it seemed a bit pointless at the time as he had no one to call but it wasn’t too long before mobile phones were everywhere.

When the time comes around to renew your car insurance again it is easy to forget just how important this cover is for your financial security. With a bit of luck you will never have an accident or have your car stolen but the following list of bizarre car accidents shows how disaster can strike in the weirdest ways at times.  

If you’ve been to a movie theater any time within the last 50 years, you’re well aware that American cinema is obsessed with the whole idea of a super car – they’re tricked out, sometimes futuristic, and above all, they’re always super fast!

Shopping for home contents insurance can be complex, time-consuming and frustrating. It can be difficult to know where to start and how to compare deals, let alone work out which type of cover offers the best protection for your possessions.

Whether you use comparison websites to look at different insurers and products, enlist the help of a broker, or do some ringing round to try to get the best deal, there are several things that you must consider before making a final decision.

Before you compare options you must be clear about what it is you need to insure. Physically go through each room in your home and make a list of the expensive or important items that you would have to replace in the event of fire, flood, burglary or accidental damage. This could end up being quite a shock if it is done thoroughly and you might find that your possessions are worth more than you first thought. When you add up the cost of repairing or replacing TVs, furniture, games consoles, kitchen appliances, tablets, phones, laptops, jewellery, cameras, watches, pieces of art and so on it can run to many thousands of pounds. Having this complete list is the only way you can ensure that your home contents policy offers enough cover.

When it comes to getting a good deal on any kind of insurance, comparison sites have quite possibly been the greatest online consumer invention of our millennia. I suspect that most people reading this post have saved thousands of pounds on their insurance costs just by using one of these sites.

As much as we all love to save money though, there is a hidden danger in the use of comparison sites when they are not used correctly. The danger is that we become so obsessed with the price of a certain policy, that we don’t give proper attention to what the policy actually covers.

The biggest mistake we can make is to think that all home insurance policies are pretty much the same. I’m sure that anyone who has ever had to make a claim will back me up when I say that all policies are anything but the same. Only when you’re unfortunate enough to be placed in the position of having to make a claim though do we realise just how much insurance policies do differ.