We all have different reasons for buying insurance. We also make different decisions about our insurance at different times in our lives. Whatever your reason, you have many options available to help protect your lifestyle and the things you value from the risks that concern you most.

When deciding on a policy it's important to read the fine print, ask lots of questions and find the right policy for your needs.

In this section we'll make buying insurance and understanding your insurance contract easy. Read on for some of the steps you can take when making a decision, ensuring you have enough cover, and how you can identify those things that may require extra attention.