Summary

Many of us are wasting money on elements of insurance that are already covered. Read on to hear more.

Insurance. Are you paying for the same thing twice? Page 2

Author: Emma

Mobile phone insurance is a form of insurance ( home insurance ) that isn't worth the

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paper it's written on. You will probably have to pay an excess of £50 on any claim, so you'd be better off by switching to pay-as-you-go and not taking out the insurance.

Legal expense insurance crops up on home and contents insurance policies as well as car insurance. It means that if there is a dispute on liability ( car insurance quotation ) for the damages, then all the court costs will be covered. It's not compulsory that you get it, so it may or may not be included as standard in your policy. If you are a member of a trade union or a professional association, you may already be covered by the services they offer to their members - so be sure to find out before you add legal cover on.

ID Theft insurance is not something you may necessarily think about ( cheap secured loans ) getting. However, it does exist and it is a common occurrence that can cause a lot of stress and inconvenience if you are the victim. However, if you are a victim then you will only have to pay the first £50 stolen, according to 'Which?' magazine, so it's not really worth insuring for. Your bank may not even expect you to pay the first £50.

Credit card purchases are covered for a certain amount of time, ( personal loans ) often up to 60 days, so new purchases are already covered. With Barclaycard for example, a purchase costing between £50 and £2,000 will be covered for theft and accidental damage for the next 60 days.