Some DIY projects actually invalidate your insurance or require you to notify your insurer. Make sure you know what to look for by reading our helpful article.

Your best mate gets a fancy new mobile phone. You salivate over its sleek exterior, high-tech touch screen and huge range of abilities. They say the phone has the ability to get emails, have apps, they can social network and even make the odd phone call. You look at your own ‘so last year’ phone and decide that it is socially unacceptable to use it any longer.

According to a survey of 2,000 households, 16% have damaged their homers or their property while attempting to make improvements. 20% also admitted to injuring either themselves, or someone else, while carrying out DIY. This is supported by figures from the Society for the Prevention of Accidents, which estimate 200,000 DIY enthusiasts turn up at hospital each year.

If you've ever had a nice bicycle stolen from your house or from where you last left it then you may have found yourself uninsured and at a financial loss.

As long as you have owned (but not necessarily lived in) your property for at least two years, you have a right to extend your lease for an additional 90 years at a peppercorn (zero) ground rent.

Individual flat owners have the right to ask the building owner to extend their lease. In addition, a group of flat owners acting together can collectively ask to purchase the freehold from the building owner.

Home insurance is a basic term for two different types of insurance policy. Buildings insurance to cover the construction of your property and home contents insurance to protect your valuables and other household objects.