Different companies offer different levels of cover at different prices. Make sure you shop around, and that the cover you choose is appropriate for your needs and circumstances. You might also be able to get cover with some additional benefits at no extra cost. But be aware that sometimes one policy is cheaper than another because it provides less cover, so make sure you compare like with like. Don’t let special offers sway your decision; make sure you get cover that’s right for you.

You can shop around the different companies yourself, or pay for the services of an independent adviser who can search all the options for you.