And it is not just life assurance of course. Many households who had gone for the cheapest household insurance premiums have found on a rainy day that the cover is inadequate.

Your home is likely to be the largest asset you will ever own so protecting this asset and its contents should be top priority.

Archers recommend Paymentshield home policies which are underwritten by Royal & Sun Alliance Plc. “Paymentshield not only offer competitive premiums but pay out promptly unlike some insurers”.

“A recent client who was paid out following a burglary commented that unlike his neighbours who had to wait months, following a spate of burglaries in the same street, Paymentshield paid out instantly”.