If you've never had to file an insurance claim, consider yourself lucky - in more ways than one. While it's terrific that you haven't suffered a loss significant enough to file a claim, you're also lucky not to have had to suffer through the insurance claim game.

You can buy insurance direct from the provider, your bank or building society, a supermarket, or broker. You can also buy insurance from the provider of another product (such as travel insurance from your travel agent).

There is a common belief among spouses and partners that when death occurs, the life insurance policy will be promptly paid out. It comes as a great shock when it isn't and takes months before it is paid out - and then only after a mountain of paperwork is completed and probate obtained.

Income protection insurance can be a valuable product if you have mortgage repayments or credit card or loan repayments to meet each month. No one knows what is around the corner and if you should become unemployed or have an accident or illness then you could be left struggling.

There are many different ways you can save in different insurance policies. However, some things that will help you save in one policy will have no bearing whatsoever on another policy. Here are things that will help you save across all insurance policies.

Looking over your insurance premiums each year, you may be wondering how you could save a dollar or two on your next premium. As an intangible asset, it can be difficult to put a value on insurance ... until something goes wrong and you need to claim. Insurance specialist Brett Wrightson from Brian Bushell & Associates, highlights the five most common mistakes that business owners make when evaluating their insurance requirements:

We came across this amusing (but true) insurance story with an interesting twist. Only in America!

Accidents, mistakes and misunderstandings can happen in any business. Some are settled amicably, others grow into full-blown disputes, and before you know it you could be facing a legal claim.

Financial loss is something that no business wants to suffer, and many small business owners try to avoid downtime, expenses and accidents. But will insurance provide the total solution … or is there more that’s needed to ensure business continuity?

The cost of insurance for young drivers is often prohibitive. 17 year old drivers will pay the highest premiums... WHY?

The need for a business insurance starts the moment one initiates the business idea and plan. That is why it very important to have the detailed idea as to what business insurance is and what are its dos and don'ts. Here are some of the initial tips that may help you to get your proper insurance for your business and might also lower the risks and losses of your business.

A question oft posed by many a business or household is whether insurance is really worth the expense. After all, the "It'll never happen to me" syndrome (unless we're talking about death) always seems to strike at the hip pocket.

Insurance, like so many things in this increasingly complex world, can be a bit of a minefield for a large proportion of people. So we thought we'd give you a quick run down on how insurance works and a guide to just some of the types of insurance available. ...

When considering life insurance, you’re planning and preparing for an event most of us would rather not think about. But life insurance represents a critical step in managing your personal finances and ensuring your family’s well-being.

An important part of stress-testing yourself involves imagining what would happen if your source of income were cut off.

If you've done that and the answer scares you, there are various forms of insurance you can take out.

If we want our plans to succeed we need to understand the factors that might hinder that success, risks, and, one way or another, make sure they don't get in our way.

Just because your insurance company has rejected your claim ... doesn't necessarily mean your case is closed. If you think that you've been unfairly treated, here are some ways to get the insurer's decision overturned.

When faced with the option of whether to purchase disability insurance, many consumers say no without fully understanding the consequences of their decision.

Research released by the Investment and Financial Services Association in late September highlighted the fact that Australian women with dependent children had significantly less life insurance than their male counterparts.

There are a number of very important things that most people either don't know or just simply don't consider when buying or reviewing their health insurance plans.