Consumers have been warned to ensure they make an "informed choice" when shopping around for insurance products.
Tony Levene, the author of Which?'s new Money Saving Handbook, said that people should research policies and not just follow the opinion of a salespeople when thinking about taking out cover.
In his new publication, which is released today, he added that some insurance products may also be unnecessary, as certain issues such as mobile phone theft may be covered by a home contents policy.
Mr Levene said: "The insurance industry's favourite phrase is 'peace of mind', but it uses this to justify policies that cost a lot and are almost impossible to claim against.
"Instead of just blindly following what the salesman says, people should carry out a risk assessment of their own and make an informed choice about whether they actually need the insurance, and whether it's worth the premium."
Which? is an independent charity established to ensure that consumers in the UK get the best deals available to them on a number of products, including electrical equipment and financial services.
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