With many dealers offering free cover on new vehicles, anyone who bought a new car this time last year and benefitted from a year's free insurance should beware of renewing the same policy,
Winter sports insurance has become more refined as skiers are getting more adventurous. Some policies won't cover you for activities such as ice-skating or tobogganing ... some, particularly the no-frills cover can be very limited.
There are insurance options and you need to consider the health of your teeth and how often you visit the dentist.
There will invariably be a better deal on offer elsewhere. If you stick with the same insurer, your car dealer - not you - has chosen your insurance policy for you, and it's highly likely that you'll end up paying over the odds.