Be prepared. It’s the motto of the time-honoured institution, the Scouts and the title of a song from the Lion King - either way, we think there’s something to be said about being ready for any situation.

No one ever really likes to think about the worst case scenario but it doesn’t hurt to make sure that you’re protected in the event that something does happen.

Insurance! Yep, it’s a word, but it's more than that. It’s a safe guard, it gives peace of mind and it’s there when you need it most. And if you’re already insured (we’d just like to say, well done you!), it’s also very important to regularly check to make sure you're not under-insured.

So fast forward to when you're insured, and you've got the right level of insurance...

Your washing machine leaks water into the hallway, ruining your carpets and the Christmas presents you have stashed away in the back of the linen cupboard... it would be awful but at the very least you’ll be comforted by the fact that you’ve got your insurance sorted.

Here's to having a ripper (water soaked-free carpet) Christmas.

This is general information only and does not take into account your personal circumstances. Before acquiring any insurance product, you should check if it is suitable for your needs having regard to your circumstances and the applicable Product Disclosure Statement (PDS).