Insurance can be complex, with lots of different policies for different eventualities. And the policies and cover you need are always changing, as your life moves on.

All this week I’ve been sharing my top tips for a hassle-free road to sorting out your insurance.

Here’s my next piece of advice to help you through the insurance maze:

3. Find out what cover you already have. Dig out all that paperwork you filed away years ago and see what it is all about. You might already have some life insurance cover, which you took out years ago – when you took on a mortgage, for example. Similarly, you may have home and contents insurance for your property. But in both cases, is it still right for your needs? Some life insurance policies expire at age 60, for example – do you need to extend it? Have you added expensive gadgets in the last few years that should be insured separately?