Do shop around and get Home insurance quotes from as wide a range of Home insurance companies as possible and through as wide a range of sources. You can get quotes in person, by phone or online through insurers' and brokers' websites. Getting quotes online should be quick and easy and can be done any time of the day.

Don't skimp on shopping around. For example, don't automatically take out Home insurance with the lender or broker you are getting your mortgage off.

Don't forget that you are the purchaser in the transaction. You may be able to bargain for a better deal, particularly if you have received a lower home insurance quote somewhere else. Irish home insurance is now readily available to purchase online. Checking between Home insurance providers online is very simple and you can usually get a very good deal.

Don't forget to make sure you meet the Home insurance policy conditions before you take out cover. For example Home insurance providers usually insist that your house meets certain structural conditions.

Don't be tempted to insure your home and contents for less than they are worth to get a lower premium. If your policy contains an 'average clause', your insurer could pay out less money than you claim for.

If you are unsure of any details, wording etc in your policy a member of the team at Bumblebee.ie 1890 333 123 or getcover.com on 1850-927-247

Do shop around get quotes from as many car insurance companies as possible and through as wide a range of sources. You can get quotes in person, by phone or online through insurers' and brokers' websites. Getting quotes online should be quick and easy and can be done any time of the day.

Do make sure you bargain with your current insurer they may lower your car insurance premium to keep the business.

Do take account of what each policy offers, including extra cover and anything that is not covered, these are called 'exclusions'

Do make sure that you are getting full credit for your driving experience if applicable.

Do consider the costs and likely benefits of any payment protection policy you are offered.

Do consider the conditions under which you are granted no claims bonuses for motor insurance and under which you may lose them.

Do understand how much you are paying for credit if you decide to pay your insurance by instalments, for example monthly over ten months etc. By law, you must be informed of the cost of credit and the APR.

Do make sure you are as honest as possible when completing an application for insurance. If you fail to disclose something on your policy your insurer may not pay out you claim.

Don't skimp on your car insurance shop around you might find a better deal.

Don't forget that you are the purchaser in the transaction. You may be able to bargain for a better deal, particularly if you have received a lower quote elsewhere. Your insurer may agree to match or better the quote in order to keep your business.

Don't allow anyone else to use your car unless you are absolutely certain they are insured to drive it - either under your policy or their own. If your car is involved in an accident your insurance record could be affected regardless of who is to blame.

Don't overestimate the value of your car because if you had to make a claim on your car insurance policy for say fire or theft your insurance company will only pay out the market value of the car not what you told them it was worth when you took out the insurance.

Don't deliberately not mention something to reduce you insurance premium, your insurance company may reject you claim if they decide you made a deliberate non disclosure.

If you are unsure of any details, wording etc in your policy a member of the team at Bumblebee.ie would be delighted to help you. Just call our support team on 1890 333 123 or e-mail us @ info@Bumblebee.ie.

Do shop around and get travel insurance quotes from as wide a range of travel insurance companies as possible and through as wide a range of sources. You can get your travel insurance quotes in person, by phone or online through insurers' and travel insurance brokers' websites.

Do read the fine print and note exactly what is covered by your travel insurance policy. For example, Does your travel insurance cover you if your money or passport is lost or stolen?

Do take account of what each travel insurance policy offers, including extra cover like excess waiver, winter sports insurance, golf travel insurance, business travel insurance and anything that is not covered, these are called 'exclusions'

Do check if you can avail of any discounts. For example, you may get a cheaper travel insurance policy if you mention you have private health insurance. Some travel insurance providers provide discounts if you booked your holiday close to the departure date.

Do ensure you are honest when completing an application for Travel insurance. If you don't disclose the facts, your travel insurance policy may not be valid and you may be unable to claim against it.

Don't skimp on shopping around for your travel insurance. For example, don't automatically take out travel insurance with a travel agent without looking for better value alternatives.

Don't forget that you are the purchaser in the transaction. You may be able to get travel insurance for a better deal, particularly if you have received a lower travel insurance quote elsewhere. Irish travel insurance is now readily available to purchase online. Checking between travel insurance providers online is very simple and you can usually get a very good deal.

Don't forget to make sure you meet the travel insurance policy conditions before you take out cover. For example your travel insurance providers usually insist that your trip starts and finishes in Ireland for you to be able to avail of cover.

Don't forget to make sure when contacting the claims department that you have the following information : Name of your policy and where it was purchased, Policy Number, Resort and country visited, Value of claim, Brief circumstances, Travel dates, Incident date, please see our making a Travel insurance claim section.

If you are unsure of any details, wording etc in your policy a member of the team at Bumblebee.ie or blue insurance Ltd would be delighted to help you just call or contact AXA insurance on 00353 1 883 3132 or e-mail us @ info@Bumblebee.ie.

Do find out if you have death-in-service benefits through your job and what the level of cover is.

Do decide what, if any, extra cover you need and get information on the type of policies that meet your needs.

Do take account of what each policy offers, including extra cover and anything that is not covered, these are called 'exclusions'

Do consider giving up smoking. After one year, or in some cases two, many insurance companies will give you non-smoker rates. This could cut your premium by half, even though you are a bit older.

Do remember that (with some exceptions) you have a 'cooling-off' period of 30 days during which you can cancel a policy.

Do review your life insurance regularly, particularly when your circumstances change.

Do shop around. Using a broker like bumblebee.ie can get you a cheaper life insurance policy then going direct as some companies will match the cheapest price offered on the market called a price pledge or price promise. This is only available to life insurance brokers.

Do review your life insurance regularly, particularly when your circumstances change.

Don't forget that you are the purchaser in the transaction. You may be able to bargain for a better deal, particularly if you have received a lower quote elsewhere. Your insurer may agree to match or better the quote in order to keep your business.

Don't cash in an existing policy in order to take out a new one unless you have a good reason. The cost of any new cover may be higher than the policy you already have because you are older. You might also not be able to get new cover if your occupation or health has change.

Don't just tick the box on an insurance application form without considering how much it costs and whether you really need it. Don't buy insurance that you don't need or already have

If you are unsure of any details, wording etc in your policy a member of the team at Bumblebee.ie would be delighted to help you. Just call our support team on 1890 333 123 or e-mail us @ info@Bumblebee.ie.