Insurers delve into medical records from even the first check-up to find grounds for rejection. If they prove the animal showed signs of an illness before insurance was taken out, they can refuse to pay up, as most do not cover pre-existing conditions. They argue if a pet had a symptom, the owner should have realised it may have a serious condition.

An electric toothbrush is an increasingly popular way to clean those pearly whites, but buyers must be wary of hidden rip-off costs. The nation spends £5.8billion a year on dental treatment. Much of this could be avoided by taking greater care of our teeth.

There was a time when a remote control was only used for flicking through TV channels. But these days – often via a mobile phone – it can control your entire home. We pick through the high-tech maze to explore some of the ways you can make savings, looking at everything from entertainment to energy - and even feeding the cat. Adam Davison (pictured with his family) invested £2,000 in cost-saving gadgets five years ago and says they have already paid for themselves.

Here are our ten top tips cut the cost of your big day without cutting back on style, from using cashback websites and credit cards, to considering cheaper ranges such as the new one from Poundland (pictured) and reselling items online afterwards.

In our Money Morals series we invite readers to help solve a dilemma. This time, one reader asks whether she should pay an extra £100 a month to have the biggest room in a flatshare, or if she should take the smaller room to save money. Read the question and leave your answer in the comments at the bottom of the article.

It is a modern-day version of David versus Goliath where little David triumphed - not once but twice. Fifteen years ago, Andy Macpherson, pictured right, took on HSBC himself, then years later he did so again for brother Alistair.

Bank of England Governor Mark Carney has warned of a 'challenging time' ahead due to rising inflation and wage stagnation. The Mail on Sunday shows the best ways to beat the squeeze while protecting savings. For a start, many households do not shop around for their gas, electricity, broadband and phone providers. This is despite the savings totalling hundreds of pounds a year for those who switch.

A plague of moths is invading Britain causing millions of pounds of damage by eating its way through clothes and carpets. Even households not yet under attack are being advised to draw up a battle plan, taking advantage of combat techniques that include everything from freezing to microwaving garments.

With an avalanche of price rises from the 'big six' energy providers, now is the time to review your energy tariff and consider locking in to a best-buy fixed-rate tariff before energy companies pull them from the market.

French bulldogs, which are set to become Britain’s most popular breed, now cost an average of £495 a year to insure. Premiums for the breed, poised to overtake the labrador as Britain’s favourite according to The Kennel Club, have risen 32 per cent in a year compared with just a 3 per cent rise across all breeds.