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Although Lloyds offers excellent Buildings & Contents Insurance and Motor Insurance policies, and always at an affordable cost, Lloyds provides a number of other insurance products too, including Lloyds Caravan Insurance, Lloyds Travel Insurance, Lloyds Business Insurance and Lloyds Pet Insurance, all of which can be easily found and applied for online at the Lloyds Insurance website.

Within each of Lloyds insurance policies you'll also find additional options. With Lloyds Home Insurance (also known as Lloyds Property Insurance), for example, you can choose Buildings cover, Contents cover, Home Emergency cover, or some combination of all three.

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, where you'll find that the Buildings & Contents Insurance or Motor 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 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.

Not every UK bank or financial company is the same. With Lloyds 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 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 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.