Insurance is an essential part of life and most of us will have at least two insurance policies. But insurance comes in many shapes and sizes and policies can vary wildly. Before you take out an insurance policy, it’s essential to go through the "key facts" document. This is usually available on request and comes in pdf form or through a link. The key facts document will tell you all the essential things you need to know, so you don’t have to trawl through the entire contract before making a