Insurance. Have you doubled up on insurance without realising it? Page 2

Life Insurance

Some employers provide life cover within their pension

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schemes. Called death-in-service benefit, it typically pays out a lump sum worth 3-4 their annual salary if the employee dies whilst employed by the company.

Critical Illness Insurance

Critical Illness cover is often sold as an optional extra on a life insurance policy. Furthermore, some employers provide critical illness cover as part of their employment package. Check out exactly what you've got.

Income Protection and Payment Protection Insurance

Permanent Medical Insurance (PMI) is also known by some as Income Protection Insurance. It pays out the insured monthly sum if the policyholder is off work because of illness due to a wide range of specified medical conditions - and some policies will also pay out during redundancy. The policy continues to pay out indefinitely or at least until the policy comes to the end of its term.

The point is that PMI policies eliminate the need for Payment Protection ( motor insurance quotes ) insurance - the sorts of policy frequently sold alongside credit cards, loans and mortgages to maintain monthly payments. Indeed, you cannot make claims against more than one insurance policy for the same event - only one policy will agree to pay out! (The others will reduce their payouts by the value of money you are receiving from the other policies)

Legal Expense Insurance

Cover for legal expenses concerning disputes relating to your home, will normally be included in your home and contents insurance policy. Many car ( personal secured loans ) insurance policies provide legal expense cover as standard or as an optional extra. Some trade unions also include automatic access to legal advice as part of their service to all their members. Check this out before you pay for more cover!

Mobile Phone Insurance

Most mobile phone policies have a hefty excess. You might be better off changing to a pay-as-you-go plan.

ID Theft Insurance

According to the consumer magazine "Which", you're only legally responsible for the first £50 if your identity is stolen. Is the premium worth protecting just £50?

Other Insurance cover

Most credit cards automatically insure your purchases for ( mortgage quotes ) a specified number of days following their purchase. Take Barclaycard for example. If you use Barclaycard to buy something between £50 and £2,000, you are insured against accidental damage and theft for the next 60 days.