If youre a homeowner, most mortgage lenders insist you have buildings cover in place to protect their investment. You dont usually need buildings cover if youre renting, but you may want contents insurance to help cover the cost of replacing your things if you suffer a loss.

It's illegal to drive with no car insurance. Without it you can't tax your vehicle, and it provides cover for you, other motorists and members of the public. Read more in our beginners' guide to car insurance.

Premiums are likely to be higher for older animals, but generally there should be cover available for all ages.

Different insurers judge insurance groups in different ways and the ratings are subject to change, but you can use the online car insurance group finder to find the current rating from the Association of British Insurers (ABI).