Insurance policies are one of the few things we buy in the hope of never having to use - but they're costing more than ever.The average car insurance policy rose by 15% to £971 last year while home insurance cover costs went up 6% to more than £200, according to the AA's premium index.
In public, the insurers blame the usual issues - mainly the cost of personal injury claims. But in private, they admit many Britons are paying too much by over-insuring and adding extras to policies that they don't need. Here - in many cases on condition of anonymity - they reveal how Britons can cut the cost of insurance.
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