ARTICLES BY JOSIE K ANDERSON

A mortgage is a serious financial commitment that usually takes many years to repay Anyone with a mortgage should consider what would happen if they were to die before this debt has been repaid

Holding your ceremony overseas requires insurance to ensure your dream wedding doesn’t turn into a nightmare Although cheap wedding insurance in the UK and overseas may sound like an attractive option, it is essential that you avoid cutting corners

Pet insurance will protect your dog against illness, death or injury for most of their life – however there is an age limit as to when pet insurance can start for your puppy dog You may want to protect your pet every minute of their life, but it is important to know that at the beginning of his or her life, your pet may have to fend for themselves

Home insurance can protect you financially if the fixed glass in your windows is accidentally broken Windows are the most fragile part of your home’s exterior, but the feeling of light and space they provide means that your windows can transform the mood in any room

Pet insurance gives you financial protection in case your pet dog or cat becomes ill or dies as a result of eating the wrong food Pet insurance will usually cover the cost of vets' bills up to a specified amount each year

Reputable home insurance providers can protect you financially if your mantelpiece is damaged, which can be reassuring as these attractive focal points can often be a sizeable investment As well as bringing a room to life, the right mantelpiece can also add value to your home

Life insurance often plays an important role for those planning to protect the financial future of their families It’s often assumed that those who are single, with no dependents, will have no need for life cover - but that is untrue

Your personal possessions will usually be covered as part of your home insurance whilst you’re staying in a hotel Nevertheless, if your personal belongings are taken from an unlocked hotel room, they will not usually be financially protected by your home insurance plan

Wedding insurance can protect you financially if anything happens to your dress, your flowers or your invitations, but most policies don’t offer cover for wedding favours In the UK, the average overall cost of getting married in 2008 was £22,858 so when you’re shopping around for a competitive wedding insurance quote, make sure the full cost of your big day is included in the policy

No Claims Discounts are a car insurers reward for careful drivers who do not make a claim on their car insurance Most car insurance providers will offer a reduction in insurance premium to drivers with a history of making no claims

Car insurance can protect you financially if you have a road accident this winter Ice and snow aren’t the only factors that make driving at this time of year more dangerous; icy windscreens can also play a part, restricting your visibility if they are not cleared properly

Bridesmaids are a crucial part of any wedding day, which is why your wedding insurance should protect their dresses and flowers against loss or damage You will have taken a lot of thought over who should be your bridesmaid and what they should wear on the day – so it’s important that bridesmaids are covered by your wedding insurance too

Your personal belongings should be covered by your car insurance if they’re stolen from your car or lost if your car is stolen You may leave CDs, money or expensive electrical equipment in your car, so it’s reassuring to know that these will be covered against the upsetting experience of theft

Unoccupied homes present a special case for home insurance policies If you know your home is going to be unoccupied for more than 60 consecutive days, you may want to contact your home insurance provider directly to find out what this means for your home insurance policy

Moving house is stressful enough, without having to worry about a broken mirror or damaged piece of furniture Your home insurance policy should protect you against accidental damage or loss to contents caused by professional removal contractors who are helping you move house

During the festive period you’ll enjoy more visitors coming into your home But with all the guests and merriment there is also an increased risk of damage to your home and furnishings

Home insurance can protect you financially if your duvet is damaged Despite their cost, duvets continue to increase in popularity; they’re warm, cosy and complete any bed with style

Home insurance can protect you financially if your curtains are damaged But if you compare policies online, it’s worth thinking about the cover that’s offered as well as the cost

When your car breaks down, you want to know that help will be on the way quickly But why pay for separate car breakdown cover, when your car insurance policy may provide roadside assistance as an optional extra

You may need to send your cat to a cattery if you go on holiday or if you are taken ill and cannot care for your cat It is a good idea to research the catteries in your local area to ensure you send your cattery to a place where they are looked after like a home away from home

You love your cat, but unfortunately your sinuses don’t feel the same way Sneezing, coughing, itching: these are all signs that you might be allergic to your beloved animal

Pet insurance should cover the financial cost of your cat’s behavioural problems Although it is normal for cats, especially young ones, to be full of energy, if your cat appears to be in distress, there could be a serious cause

Wallpaper is not only trendy, it’s also a wonderful way to add impact to a room Home insurance can protect you financially if you do chose to invest in valuable wallpaper, should anything happen to your home décor

There are several different types of pet insurance cover; some policies may appear to be selling cheap pet insurance, but if your pet gets a long-term illness you could be caught out It is therefore important to look carefully at the type of cover offered by your policy

If you feel inspired by the rustic charm of a country wedding, why not consider flower arrangements that bring the romance of the English countryside to your special day Thankfully, after all the time you put into arranging your flowers, they will be covered by wedding insurance too