ASK THE EXPERTS.

This article from Choice magazine features a Q&A format where readers ask questions and experts provide answers. The first question addresses a significant increase in car insurance premiums, and the expert explains that rising costs of car repairs and a "loyalty penalty" are contributing factors. The second question asks about the caffeine levels in decaf teas and coffees, as well as dark and milk chocolate. The nutrition expert provides general information on caffeine content in these products. The third question concerns the safety and effectiveness of using the self-cleaning feature on ovens. The household expert confirms that pyrolytic cleaning is safe and effective but advises keeping the kitchen well-ventilated during the process. The article also includes a section called "CHOICE Help," where a member's issue with a travel insurance claim is addressed by an insurance expert, who advises the member to challenge the insurer's decision and seek assistance from the Australian Financial Complaints Authority (AFCA). [Extracted from the article]