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Many Brits are wasting money by purchasing in-store insurance policies when they buy new items, even thought most will already be covered by their home insurance, it has been found.

A survey by esure revealed that 23 per cent of Britons say they would get additional insurance from retailers to cover the theft or damage of a new watch, piece of jewellery or mobile phone.

However, this can be unnecessary and esure advises customers to check what their home insurance policies already cover.

Mike Pickard, head of risk and underwriting at esure home insurance, said buying pointless insurance that is not needed "could add a significant sum to your total shopping bill - especially at Christmas".

He also added: "Doubling up on insurance is the same as throwing your money away."

In September, Which? encouraged people not to take out credit card price protection insurance to cover one debt and advised speaking to an expert to ensure all finances are covered.

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