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LloydsTSB UK Insurance: Motor Insurance / Household Insurance
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What you most likely want is an affordable insurance policy, such as those from LloydsTSB, where you'll find that the Household Insurance or Motor Insurance - or whatever other type of insurance you need - covers all of the basics, and also provides the option for you to cover additional events, etc. It's true that this may turn out not to be the very cheapest insurance policy, but neither will LloydsTSB insurance be the most expensive either. Instead, it will give you plenty of insurance cover at a price you can feel comfortable with, and the confidence of knowing that in the event of an accident or catastrophe you'll be properly covered.
For other UK insurance shopping, AA Breakdown Service also offers an excellent range of insurance products, with very favourable insurance costs.
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LloydsTSB UK: Save 35% on UK Motor Insurance and Household Insurance with LloydsTSB