Personal insurance: what you need and when you need it

This article first appeared on Your Money. As you pop open the champagne to celebrate the birth of your child or the start of your retirement, insurance is unlikely to be front of mind. However, life-changing events are typically the time when you need protection more than ever. The number of products on the market can be overwhelming, leaving some people confused about what cover they actually need - and what they don't. We asked protection experts to unravel the personal insurance minefield. 'I'm buying a house with my partner' If you're taking the plunge and buying a prope...