Mould grows when excessive moisture in homes and flats is exposed to warm temperatures. Leaky pipes, condensation in basements or cellars, and heavy rain making its way through cracks in the roof or the seals around windows are the most common causes for excessive moisture in the home. Left untreated, mould could cause an allergic reaction trigger an asthma attack, and, in rare cases, erode the respiratory system of residents or cause individuals to hallucinate.

What you drive can be a reflection of your personality. Depending on the vehicle type and the modifications you make to it, you could be portraying yourself as adventurous, sensible or even posh. However, those personal touches, such as a roof rack, bumper stickers, new alloy wheels and more, may invalidate your motor policy.