300,000 car accidents deliberately staged

Motorists have been given a fresh warning to be wary of "cash for cash" scammers on our roads. According to shock new figures, almost a third of a million car accidents –300,000 – have been deliberately staged in the past five years as crooks look to profit from insurance swindles.

Money alert: Homeserve fined £31m

HomeServe has been slapped with a record fine of £30.6m by the City watchdog. The company – which offers insurance against burst pipes, broken gas boilers and electrical problems – has also been forced to hand out £17m in compensation to customers hit by its practices.

The financial impact of the floods on your home

As the wettest weather for years batters Britain – and the cost of cover look set to climb again – Simon Read has advice that could stop you being left high and dry by insurers

Money down the drain: Could your finances cope if events like a flood left you facing a big bill?

Act now, before there's an act of God

If the worst happens, many people have no savings or insurance to cope. Make an emergency financial plan, says Chiara Cavaglieri

Money Alert: Card Protection Plan compensation

Keep an eye on your post as you could be in line for a compensation payout. Claims forms are being sent this month to people who paid out for plastic card or identity protection offered by Card Protection Plan. It was normally sold through banks and credit card companies and CPP was fined £10.5m for mis-selling policies to 1.3 million people.

Water torture: If valuable possessions are damaged or washed away in a flood, will your insurer honour your claim in the way you want?

Savvy Money: Can you vouch for getting the right insurance payout?

Don't be fobbed off if you're offered a voucher but you want cash to replace valuable jewellery

Heavy weather: Sea debris fills a street in Aberystwyth, west Wales, after ferocious storms earlier this month

Savvy Money: Harsh truth – your storm cover may not protect you from a rainy day

But be prepared to make waves if you think an insurer is wrong to reject your damage claim

Around 23 per cent of motorists do not accurately disclose their driving record when applying for insurance

Insurance firms granted power to check on drivers’ records before offering a quote

Information held by the DVLA will be made available over the internet to insurers and the motorists themselves

Slippery Slope: Insurance will give you security in risky situations

Winter sports with no cover is skating on thin ice

Skiers and snowboarders are just asking for trouble if they take to the slopes without adequate insurance, says Chiara Cavaglieri

Accidents will happen: But at least drivers may be able to put a dent in their insurance costs

Drive down the cost of your car insurance

Motorists feel they pay too much and now the regulators have caught up. Chiara Cavaglieri and Julian Knight see how you can take control

Don’t put your boiler on the back-burner: check that you’re fully covered in the event of your central heating breaking down

Savvy Money: Going away? Make sure your home cover is leak-proof

Burst pipes or broken boilers are bad enough so don't let your insurance leave you high and dry

Simon Read: Car insurance costs should be fair, not driven up by profit-hungry companies

Drivers are being ripped off by £200m each year because of "unnecessary costs" being heaped on them after accidents, the Competition Commission warned this week. Insurance costs have been bumped up – by about £8 a policy – by the use of expensive replacement cars and repairs, which are often not up to scratch, according to the Commission.

Motorists hit by £200m rip-off on insurance

Competition watchdog says premiums are being inflated by excessive costs

Medical insurance is nursed back to health

Petty exclusions that used to plague buyers of critical illness policies are being overhauled – and not before time – says Chiara Cavaglieri
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