Given that you have been off the cigarettes for more than a year now, you could qualify for non-smoker rates on your life assurance policy, according to Sara Murphy of insurance company Royal London. The first thing you should do is contact your financial broker or insurance provider, she said.

Research by Dermot Goode of has found three in five of those with health cover are on plans that are too costly or do not suit them. This is particularly the case with older people.

Here are the best ways to fight against your car’s insurance costs:

According to Jonathan Hehir of, downsizing will have a positive impact on your premium. Age and engine size affect the cost. But the effects are not always easy to predict or understand. He says an insurer might attach a lower risk rating to a 2007 1.1-litre Ford Fiesta than to a 1.1-litre Peugeot of similar vintage.

Managing Director of, Jonathan Hehir said that it’s important that home owners are prepared and covered for storm damage, he said: “Storm damage is standard on all policies, so there’s no real way of “upping” cover in this regard.

“As a homeowner you just need to make sure that your level of cover accurately reflects the rebuild cost of your home and that your contents cover is up to date.

Home insurance is indeed less expensive than other forms of insurance. But that does not mean it is any less valuable. If a fire destroyed your home, your car or health insurance would be of little use, according to Deirdre McCarthy of

Insurance group have released their top tips for the public to minimise any devastation from the storm;

  • “Check your external walls and windows to ensure they are adequately water resistant,” a spokesperson said. “There are various different products, sealants and varnishes available to waterproof any areas of concern.
  • “In the event of a flood warning in your area, it might be worth investing in sandbags and/or flood barriers to protect your property, particularly if you live in a flood risk area.
  • “During more risky periods keep personal and expensive items as high above ground level as possible, and ensure you know where water, gas and electricity mains are, should you need to turn them off or on at any stage.”

Leading insurer CFM Group has criticised plans for an insurance levy, saying it will be passed on to consumers rather than acting as a deterrent to premium increases. “We need more competition, not less. Competition in any fully functioning market drives down prices,” said CFM group Managing Director Jonathan Hehir.

Health insurance expert Dermot Goode of said all the health insurers have commented on a significant increase in claims through 2019, especially coming through from private hospitals.

Health insurance expert Dermot Goode of Total Health Cover suggests that, if you can maintain private health insurance payment for your child, you should. Why? If a policy lapses for more than 13 weeks, the student will face waiting periods for pre-existing conditions when they sign up again.

Deirdre McCarthy of, says the changes would shift the “burden of understanding” from consumer to insurer. “As a consumer purchasing a general or life insurance product, it can be difficult to understand what insurers consider to be a material fact.”