10 lesser-known insurance secrets

Sarah Coles
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Insurance seems simple enough. You hand over your premium and if anything bad happens you get a payout. Straightforward stuff. However, if it was all so simple it wouldn't be nearly lucrative enough for insurers to bother with.

So we have done some digging, to find ten things you never knew about insurance. We reveal how you can avoid falling foul of them, or even exploit them.