We have been doing some work in the general insurance market, and have noticed an interesting trend which could have some read across for protection.

Personal experience often lets you find the weakness in a product. My own personal experience was in believing I had mobile phone insurance with a packaged bank account. Until of course I lost my (quite expensive) phone, and only then realised that when I took out the account I should have logged on and provided further details to activate it. The result – no cover!