An insurance company is only as good as its claims record and underwriters. Always check the credentials of the underwriters and the record of the company regarding claims. Check out the background of the insurer with the appropriate professional institution and Association of British Insurers. If your complaint or claim is not satisfactorily dealt with, two useful addresses follow. Insurance is not about glossy magazines or impressive benefits lists. It is only of use when you need to use it.

The Insurance Ombudsman
City Gate One
135 Park Street
London
SE1 9EA
Tel 0845 600 6666

The Personal Insurance Arbitration Service
24 Angel Gate
City Road
London
EC1V 2RS
Tel 0171 837 4483