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Cheap insurance is not necessarily good insurance. After all, if your house burns down, or your car gets smashed up, there's little comfort in being able to say afterwards that you saved £75 on your insurance policy, when you discover that neither event was properly covered. You may then be left without getting any compensation at all.

What you most likely want is an affordable insurance policy, such as those from Lloyds TSB, where you'll find that the Home Insurance or Car Insurance - or whatever other type of insurance you need - covers all of the basics, and also provides the option for you to cover additional events, etc. It's true that this may turn out not to be the very cheapest insurance policy, but neither will Lloyds TSB insurance be the most expensive either. Instead, it will give you plenty of insurance cover at a price you can feel comfortable with, and the confidence of knowing that in the event of an accident or catastrophe you'll be properly covered.

It's easy to find insurance companies online that offer insurance of one kind or another but, if you want to be sure your insurance company is going to be around long enough for you to make a claim, it makes good sense to go with a name that has been around for a while; Lloyds TSB, with its 400 year heritage easily satisfies that criteria and, with its years of banking and insurance experience, you can be confident that Lloyds TSB knows a lot more about providing a good insurance policy than many UK insurance companies.

Not every UK bank or financial company is the same. With Lloyds TSB having been around a while longer than most other financial institutions - close to four hundred years in fact, in all its guises - you can imagine that Lloyds TSB banking and insurance has much more experience than many. However, the same financial principles hold true now as four hundred years ago, and so, whether you're investing your savings, purchasing insurance, or seeking financial advice, it's good to know that Lloyds TSB is financially sound, that your insurance policy is backed by one of the biggest financial institutions in the world, and that your savings are well-protected.

More recently, with the formation of the new Lloyds Banking Group, formed from the takeover of the Halifax, Lloyds has grown even larger. Nonetheless, whatever Lloyds products you had remain unaffected, and your HBOS insurance products should also continue to be effective, unless notified by Lloyds Banking Group.