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 sixth and final top tip for doing just that:

6. Be open about your lifestyle.

Little things can trip up applications for insurance, put pay-outs at risk or even completely nullify a policy. So be open about your height and weight, for example.

And if you drink, smoke or use e-cigarettes, be honest about it.

Similarly, if you like to go white-water rafting or sky-diving, it can have an impact on your insurance.