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Need better insurance, lower premiums or help with a claim? Call 03700 100 444 from 1pm to 3.30pm on Wednesday or e-mail to moneybox@bbc.co.uk

Home insurance premiums are at a ten year low and around 拢100 has been cut from motor insurance bills over the last two years according to the AA's British Insurance Premium Index. So how do you get the most competitive deals for your needs and what should a good policy include?

Could behaviour based motor insurance cut your costs? The British Insurance Brokers' Association say that the sale of such 'Telematics' insurance has risen by 61% since 2012 and soon insurers will have access to DVLA records through 'My Licence'.

A new agreement about flood insurance called Flood Re is also on the way. Will you benefit?

If you do need to make a claim what should you expect from your insurer?

How do you negotiate or complain if your policy doesn't meet your expectations?
Whatever your insurance question, presenter Ruth Alexander will be ready to help, with guests:

Martyn James, Financial Ombudsman Service.
Malcolm Tarling, Association of British Insurers.
Graeme Trudgill, British Insurance Brokers' Association.

Call 03700 100 444 between 1pm and 3.30pm on Wednesday or e-mail moneybox@bbc.co.uk now. Standard geographic charges apply.