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Today, the devoted dog owners who insured their precious pets only to find that it didn鈥檛 pay out when disaster struck. Looking for love in lockdown? Julia Somerville hears from the people who found themselves shelling out more than they expected with one online dating site. And who keeps your lights on when your energy supplier goes bust? Well, it turns out you have little say in which energy company you get moved to. As ever, we have plenty of practical pointers from the country鈥檚 leading consumer experts.