Always read the small print and make sure PPI is right for you. Check before signing any credit or car finance agreement that PPI is not included automatically - it should always be optional.

Check to see if your life assurance is a cheaper way of making sure that a loan will be repaid if you die. Your employer's sick pay scheme may be enough to cover repayments should you become ill.

Be aware that insurers can reject claims on the basis of age, self-employment, pre-existing medical conditions, mental health problems and disputes about medical conditions.

If you think you have been the victim of mis-selling or find your claim is refused unreasonably, complain using the insurance company's internal complaints procedure. If you are not satisfied with the response, go to the financial ombudsman.

Q: I have a number of existing personal equity plan (PEP) and individual savings account (ISA) investments, but I'm not sure I'm getting the best returns. Could a fund supermarket help?

The advantage is that within a single investment, such as a PEP or ISA, you can spread the risk among a range of funds and providers and get potentially better returns.

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