Cheap insurance is not necessarily good insurance. After all, if your house burns down, or your car gets smashed up, there's little comfort in being able to say afterwards that you saved £75 on your insurance policy, when you discover that neither event was properly covered. You may then be left without getting any compensation at all.

What you most likely want is an affordable insurance policy, such as those from Lloyds TSB, where you'll find that the Buildings & Contents Insurance or Car 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 Lloyds TSB 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.