Insurance can be complicated and it’s easy to get the wrong policy.

If you need insurance, whether its life insurance, income protection, critical illness insurance, or insurance for your property, there are certain things you can do to ensure the process goes smoothly and you get the right policy for your needs with the minimum of hassle.

Here’s my latest top tip for doing just that:

2. Get out a pen and a pad of paper and work out what you need to cover. Take a look at your household bills and see how much you or your dependants might need to manage on. What are your mortgage payments? What are your big monthly bills? If you died tomorrow, what would your dependants need? Similarly, how much is your property worth and what valuables do you have in it, that you need to insure?