Did you know that around a third of cars fail the annual MOT first time? For anyone who anxiously dreads the expense and inconvenience of a fail, it’s a fact that makes bleak reading.

Without your car on the road, you could find yourself unable to get to work or to see family and friends. But getting your car fixed to pass its MOT can be expensive. MOT Failure Insurance can buy you peace of mind that the financial cost of getting your car back on the road is covered. But do you really need it? We look at what can go wrong and what insurance covers so you can decide for yourself.

On average, we Brits spend over two and a half hours online on our smartphones every day. We use it to schedule our work or social calendar, tell us the time or keep in touch with family and friends. Indispensable for modern life, it’s bad enough when you run out of battery. So the thought of losing our phone, or it breaking, is enough to bring many of us out in a cold sweat.