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Kick start 2009 by putting your insurance in order. If Christmas overspending and the current financial climate are taking their toll, don't forget that reviewing all your insurance policies can save you hundreds of pounds.
Find the best deal by searching the market using an insurance comparison tool and save yourself even more money.
Annual or single trip travel insurance: If you are planning more than two overseas holidays this year, buy an annual travel insurance policy, especially if you are going to hit the slopes.
Advantages of an annual policy are that it usually includes winter sports cover as standard and allows for spontaneity - you can jet off on a last minute deal without worrying about paperwork.
Update your home insurance: If you have carried out any home improvements make sure that you update your buildings insurance. Now Christmas is over, review your contents insurance too and remember to include any new electrical or valuable items that you have purchased or received as gifts.
The time it takes to do this is small in comparison to how much it would cost to replace those items if they were lost, stolen or damaged and your insurer refused to pay out.
Shop around for car insurance: If your car insurance is soon up for renewal, shop around to find an alternative quotes before you accept the renewal premium offered by your existing insurer.
The current competitive nature of the car insurance market means that insurance rates are constantly changing and therefore your existing insurer may not be offering you the best premium.
If your personal details have changed, your car is different, or your address is different then your risk profile may not be suited to your existing insurer.
Insure your pet: Veterinary bills are not something you look forward to in the New Year as they can become a huge expense. Therefore more and more pet lovers are taking out pet insurance cover.
Pet insurance provides financial support for costs involved in pet illnesses or death, lost or stolen pets, boarding fees, liability or accident damage and even holiday cancellation. Be sure to shop around and find the best deal on your pet insurance policy.
Protect your family with life insurance: The New Year is a good time to make sure you not only have the right amount of life insurance cover to protect your dependents but also that you are not paying over the odds for your cover.
Become healthier and your life insurance premium could decrease: Start the New Year off by kicking those bad habits. Give up smoking now and after 12 months you could save up to 60% on your existing life insurance. Also think of the saving you can make by not spending six pounds on each packet of cigarettes.
Slimming down and leading a healthy lifestyle with regular exercise reduces your risk of developing life threatening conditions and therefore your risk to your insurer. This also contributes to lower premiums!
Search for cheap health insurance: Gain coverage and stay within your budget with cheap health insurance. Of course, the irony of doing away with health insurance during a recession is that if you do happen to fall ill or become injured, and aren't financially prepared to deal with the subsequent costs, you could end up in a rather difficult position.
Your best option is to carry out a bit of research and find a cheap health insurance policy, so that you remain within your budget but are still gaining the benefits of protective cover.
Avoid taking out unnecessary Extended Warranties Insurance for electrical appliances: They are often over priced and over-sold to you by sales assistants. Most home contents insurance policies include cover for these items as standard against theft and accidental damage.
Home insurers will not provide cover against mechanical failure but most manufacturers offer a free guarantee for at least a year. Always weigh up the costs of such policies before you buy and make sure you are not doubling up on cover.
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