We’ve just renewed our insurance policy, and as I was about to pay the nice chap on the phone said “would you like to take out Personal Possessons cover which would cover your valuables outside of the home?”

Big gulp.

You mean we hadn’t already? It was an oversight, but one we’ve put right now. On the plus side this cost us £40 for the year so I can cancel our monthly phone insurance policies I’ve been paying for the last god knows how long. I had no idea we had no cover and had assumed it was included in the policy.

So really just a heads-up – make sure you’re covered! If something had happened to our phones, iPads or laptops we wouldn’t have been covered – and that doesn’t bear thinking.