| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Are you naked or over-covered?
Beat insurers' scare sales tactics - use our 'DO YOU NEED IT?' checklist It's called insurance 'cover' for a reason. The right policy is a suit of armour protecting you from the world's randomness. Yet for a price, insurers will flog protection on almost anything, from Tom Jones's chest hair to J-Lo's bum. So what's necessary, what's nonsense, and how do you cut the cost?
PS. The need score varies per person, but it's a rough indicator. Of course, it assumes you have what you're insuring, eg, a pet for pet insurance. | 1. | | Car insurance. | Need score: 10/10 | | Slash costs by £100s. It's compulsory - don't let 'em take advantage |
If you own a vehicle, the law says you need insurance even if you don't drive it (unless you SORN it). Insurers take advantage by continually renewing, oft at ever-increasing prices. So regularly check if you're being overcharged...
a) Max quotes, min time. Different comparisons look at different insurers. So combine as many as you've time for. Order: Gocomp*, Google*, MoneySup*
b) Check insurers they miss. Add the 2 biggies missed: Direct Line* & Aviva*
c) More than one car in the home? Comparisons don't search for multi-car discounts. Manually check Admiral MultiCar*, Direct Line* and Aviva*.
d) Don't assume 3rd party's cheapest. Selecting comprehensive makes some insurers consider you a lower risk. So check both.
These are just the tip of the iceberg - see the full guides for more...
Cheap Car Insurance | Young Drivers' Insurance | Van Ins | Bike Insurance | | | | 2. | | Buildings insurance. | Need score: 9/10 | Contents. | Need score: 8/10 | | WARNING. DON'T over-cover buildings & under-cover contents |
 Mortgages will require you to have buildings cover. But even if your mortgage is paid off, risking losing your home is a big gamble, so we say it's a need. Yet even then, only insure its rebuild value. Many overpay by covering market value.
Contents cover isn't compulsory - but risking all your possessions is well, risky. Here many under-cover, which risks a partial payout if you claim.
a) Combine quotes at speed. Get max quotes in min time combining in order. 1) Confused* 2) Compare TM* 3) Gocompare* 4) Tesco Comp*.
b) Add missed insurers. Again, add Aviva* & Direct Line* that they miss.
c) Boost the saving. For far more help, incl special circumstances, valuing your contents, added cashback and more deals, see Cheap Home Insurance. | | | | 3. | | Travel insurance. | Need score: 8/10 | | With cover from £7, taking a medical risk when you travel isn't worth it |
Travel insurance provides medical cover abroad, needed outside Europe. Even in the EU, while a free EHIC card provides medicals at the same cost as locals, that's not always free and you don't get baggage, repatriation, etc. So why risk it?
- Single trip cover from £7. There are too many iterations to list, but to find your cheapest, use the MoneySup* comparison.
- Go away 2+ times a year? Get an annual policy. For u-60s, cheapest's Coverwise* at £15-£26 singles, £23-£45 couples. More info & policies incl winter sports and 'good feedback' rather than cheapest, in Travel Insurance.
Also see Over-65s Travel Insurance & Pre-Existing Conditions Cover. | | | | 4. | | Life insurance. | Need score: 7/10 with dependants, 2/10 without | | Will people struggle financially if you die? If so, cheap cover is possible |
One in 29 children lose a parent before they're 18. Financial distress can add to the emotional nightmare. So it's important to question what'd happen to your family if the worst happens.
If you've dependants, a cheap level term life assurance policy will pay out, or a mortgage term assurance policy pays off your mortgage. If you don't, there's little use, unless you've someone specific to look after. | | | | 5. | | Breakdown cover. | Need score: 6/10 | | Winter is coming. With policies from £17, they're likely worth the cost |
With modern reliable cars, breakdown cover is needed less. Yet done right, breakdown is relatively cheap, so the cost vs risk analysis still means getting a policy is favourable. Our Cheap Breakdown Cover guide has more, incl...
You can get basic AA for £17 and basic RAC for £25 going via cashback sites. For full cover, AutoAid is £39/yr for you AND your spouse. If you drive in Europe, Green Insurance* is £59, but use code EXPERT to get it for £53. | | | | 6. | | Pet insurance. | Need score: 6/10 | | With cat-aracts, an op alone CAN cost £3,000. Cheap insurance can win |
Let's be plain. How crucial the insurance is depends on your attitude if your pet is ill. If you'd rip off your left arm to ensure they get all treatments needed, insurance should prevent hefty vets' bills. Full help in Cheap Pet Insurance, for now...
- Speedily compare dog & cat deals. Benchmark a price with Gocompare* and Compare TM*, then add missed biggies Aviva* & Direct Line*.
- Dog owners - warning. By law, cats are free spirits. Dogs aren't, so if they cause injury or damage, you're liable. If you don't have pet insurance (or yours misses it), third party liability is max £25/yr from The Dogs Trust.
- On benefits? The PDSA may be able to help with vets' bills. | | | | 7. | | Boiler cover. | Need score: 6/10 | | Don't stick with your energy provider - take advantage of the market |
Many energy firms use our fear of losing heating to charge hefty insurance costs. Yet your provider's costly boiler cover ain't always the answer. FULL info in the Cheap Boiler Cover guide, incl...
a) Do you have enough cash in savings to cover unexpected costs?
b) If you rent, your landlord's likely to be responsible for the boiler. Check.
c) For homeowners, it may be covered on home insurance - check that too.
d) Decide if you want boiler-only, or central heating cover too. Compare via uSwitch* and if time, also add Energyhelpline* & MoneySupermarket*.
e) Add in Green Insurance, E.on, Direct Line & Swinton* that they miss. | | | | 8. | | Mobile insurance. | Need score: 5/10 | | If you're a loser (a phone loser that is), smartphone insurance can win |
As smartphones become pricier, insuring them in case of loss/damage is a stronger proposition. Ask yourself how likely that is. If you've never lost your phone in 10 years, then you could save each month 'self-insuring' in case of problems. If like me, you're a regular mobile loser, insurance oft adds up.
FULL info in Cheap Smartphone Insurance, incl how to check if your home insurance/bank covers you. Yet for a snapshot, Insurance2Go iPhone* is £70/yr, Insurance2Go Samsung* is £57/yr (use code on the page).
If you've more mobiles in the family, the Nationwide FlexPlus account covers all the phones, and the account costs £10/mth (so it's £120/yr). | | | | 9. | | Warranty cover. | Need score: 2/10 | | Most warranties sold with electricals are vastly overexpensive |
Shops may try to scare you into getting a warranty when you buy expensive electricals. Yet if you look at the likelihood of breakdown, and the cost of the product compared to the warranty, it's often not worth it.
First, you've Consumer Rights, which say goods must last a reasonable time. Goods may also be covered by your home insurance. Plus if you do want a warranty, standalone policies are often cheaper. See Cheap Warranties. | | | | 10. | | Handbag cover. | Need score: 1/10 | | While its contents are expensive, insurance can be found elsewhere |
The contents of a modern handbag are worth a small fortune, making this new-style insurance a tempting prospect. However, the exclusions are often huge - your handbag isn't covered if it's stolen while unattended under some policies - and your smartphone, gadgets and laptop can be insured seperately on their own. We're not fans. | |
And finally... insurance for things you don't have a need score for: -10/10. Shockingly, many people have money dripping out of their accounts each month unnecessarily, eg, "I've paid £16/mth for SIX YEARS for white goods we no longer have." See Direct Debit Audit guide for more examples, & how to stop it. |
Blagged for MoneySavers |
Did you miss? |
 Get permanently cheap energy Our club ensures you're always on the cheapest tariff.
Join free: Cheap Energy Club |
Reclaim PPI for FREE Claims handlers aren't more successful.
Free help & templates: Reclaim PPI |
MSE News |
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| Wed 27 Nov 2013 |
New. Cheapest EVER loan - 4.6% APR
Loan price war means rates on borrowing £7,500+ are at historic lows. Plus, pay less by borrowing more Rates for bigger loan amounts are plummeting, far below even pre-credit crunch times. Yet don't ever borrow willy-nilly. Plan for it, don't over-borrow, repay as quick as poss and budget to ensure you can afford repayments. If not, don't do it.  Perversely, sometimes borrowing more costs you less. In general, the more you borrow, the lower the interest. So if the rate drops substantially above a threshold, borrowing a little more can actually cost less in total. For example...
Over 3 yrs, the cheapest £4,750 loan is 12.6% APR, repaying £159/mth. For £5,000 it's 6.3%, repaying £152/mth. So, borrowing £5,000 costs less, and you have £250 extra.
This logic means borrowing thresholds are slightly different to the published min borrowing amounts...
- Borrow £5,000+ and Sainsbury's is 6.3%* rep APR. Over 3yrs, it's cheapest for borrowing over £4,575.
- Borrow £7,500+ and Santander is 4.6%* rep APR. Over 3yrs, it's cheapest for borrowing over £7,310.
Two key notes: 1) Borrow over a longer time and the bigger loan is cheaper for even lesser amounts. 2) These are representative rates, so only 51% of accepted applicants must get the rate advertised - that could skew things. For full info and best buys for all amounts, see the Cheapest Personal Loans guide and APR Examples.
- Even more savings for the super-disciplined. You could go more extreme. Looking only at interest charged, not total repayment, the Sainsbury's (min £5k) loan's cheapest above £2,030, Santander (min £7.5k) above £5,435. Though this will ONLY save you if you ensure any extra borrowing is always used to make repayments.
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| Selfridges 20% off code/vch Thu-Sun: 20% off fashions, home & accessories. 10% toys, wine, beauty. Selfridges Free Santa letter & video (incl for blind children). If your kids write to a special address, Santa and his elves at the Post Office reply free (stamp needed). He'll also do a free video. He has elves at the RNIB too. Free Santa Letters Codes - Kurt Geiger 25%, Ralph Lauren 20%, Asos 10%, Aldi/Lidl £5
Kurt Geiger 25% code/vch | Urban Outfitters 20% code/vch | Habitat 25% code/in-store | Lidl £5 off £35 vch
Aldi £5 off £40 vch in 50p paper | Asos 10% off code | Ralph Lauren 20% off code (starts Fri) | Discount Vouchers Urgent. Npower hiking prices 10% this Sun. If you haven't, compare cheap fixes. Can you save & beat hikes? |
£60 Body Shop £30, Trunki 25% code, £100 wine £40
It's Christmas time, deals, discounts & wine (sorry Cliff). No chocs in our advent calendar, just MSE Blagged deals What do you get eight million email recipients for Christmas? Er, hot deals, if you're us. So we've been out on the hunt... - The MSE Blagged Deals Advent Calendar. We've blagged 12 deals for you. Each are the best-in-class from that retailer. Here's a sneak preview of this week's. FULL DETAILS go live each day in our Deals Advent Calendar.
 Most deals start at 10am and end 24 hours later.
See full calendar |  Day 1 - Wed 27 Nov
Body Shop bundle: £60 body butter, scrub, etc bundle. Our code reduces it to £30 (15k avail). |  Day 2 - Thu 28 Nov
Soletrader Outlet 20% code: Discount on already-reduced items, eg, £87 Uggs Bailey Minis, £39 FitFlops. |  Day 3 - Fri 29 Nov
12 btls Virgin Wine £40 delivered: Usually sold at £106. Newbies only. |  Day 4 - Mon 2 Dec
Topman 20% off code:
Valid on everything, except jeans. |  Day 5 - Tue 3 Dec
25% off Trunki code: Gets the kids a toy/suitcase £29.99 (for Moshi orange, norm £38) delivered. | Reminders via Twitter. Preview of next week's here in this weekly email. | - The Christmas Deals Predictor - score so far? A couple of weeks ago, we launched our Christmas Deals Predictor. So far, we've had 100% accuracy (and only been an average one day out on timing) - with the Ikea £20 tree voucher, £10 champagne, Selfridges 20% off and more popping up. So see what we're predicting for December, and be prepared to pounce.
- Ban Unnecessary Presents. We aim to find you the cheapest prices. Yet please don't buy if you can't afford it. So do a budget, read Martin's Ban Unnecessary Presents blog and why not sign up to a pre-NUPP?
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| 'Free' £8 personalised photo mug (£2 p&p). 5,000 codes avail for all custs. Link goes live on Mon. Photo Deals Ends Thu. M&S Outlet EXTRA 25% off code. MSE Blagged. Use on items already up to 50% off. M&S Outlet Rumour. Pay £5, get £10 M&S gift card. Poss next Mon. Likely limited stock, likely to be popular. See M&S Deals. Free financial planning session. Ends Sun. As part of Financial Planning Week, you can get a free 30-min financial healthcheck with a local Independent Financial Adviser (IFA) through VouchedFor*. Full info: Is An IFA For Me? |
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| Debenhams up to 30% off ALL DEPARTMENTS sale + 10% EXTRA code + John Lewis sale-matching. 1) Until SUN, Debenhams* has an up to 30% off sale (some depts only 10%, eg, fragrances). 2) Use code TM76 for an extra 10% off FRI-SUN. 3) John Lewis* is price-matching a cough, cough, "unnamed competitor's" sale. Full High Street Sales.
24hr Lastminute.com 15% off hotels code. MSE Blagged. Wed only, 4,000 available. Incl Top Secret but excludes some big chains. Hotel Sales Switch to 1.8% ISA as RBS/NatWest slash 1m rates. A million NatWest/RBS ISA holders face up to 1% rate cuts (many are seeing hikes too). Check your interest now. The top easy access ISA (max 2 penalty-free withdrawals/yr) allowing transfers is Post Office* at 1.8%, incl an 18mth bonus, so diarise to ditch & transfer then. Full help: Top ISA Transfers Related: NatWest ISA Changes |
New. 29mths 0% debt shift with LOWER fee
Balance transfer credit card deals are getting hotter than ever, IF you can get them, and IF you dodge the potholes A balance transfer's when you get a new card that repays the debts on existing credit and store cards for you, so you owe it the money at a cheaper rate - saving you large. The market is red hot right now, with lenders fighting for primacy. | NEW TOP PICKS - BALANCE TRANSFER CREDIT CARDS | | Card | Intro offer | Balance transfer fee | Rep APR after | | New deal: Barclaycard* - Longest 0% | 29mths 0% (1) | 2.79% | 18.9% | | Lloyds* - Long low fee | 24mths 0% (1) | 1.5% | 17.9% | | Halifax* - Best low fee + 15mths 0% purchases | 15mths 0% | 0.8% | 17.9% | | Fluid* - Lowest fee | 12mths 0% | 0.75% | 18.9% | | MBNA* - Low rate for life | 6.9% for life | None | 18.9% | | FULL INFO PER CARD: Best Balance Transfers (& APR Examples). (1) Representative - may get fewer 0% mths. | - Yet over 1m are rejected - fight that with our eligibility checker. New research from Consumer Intelligence shows a million people were rejected in the past 24 mths. Our Balance Transfer Eligibility Checker shows you which card you're most likely to get accepted for, and does it without hitting your credit score.
- The golden rules. a) 1 in 5 people who get a 0% deal lose it due to late or missed payments. Set up a direct debit to pay at least the minimum, so you're never late. Then make manual overpayments on top to clear debts quicker. b) Aim to clear the debt or shift again before the 0% ends, or rates rocket. c) Don't spend on these cards, it isn't usually at the cheap rate. d) Use our Which Card Is Cheapest? tool if unsure.
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| Buy 6+ wine/champers, get 25% off at Tesco + £12 off code. Ends Sun. Buy 6 or more bottles (can be mixed) and get 25% off online/in-store. Plus combine with £12 off £60 newbies' code. Full info: Wine Deals. Please be Drinkaware. Xmas quickies incl 3for1 Cadbury, 50p lanterns
3for1 Cadbury £3 choc boxes ❆ £3 for 100 fairy lights/ £5 blossom twigs ❆ Krispy Kreme buy 12 get 12 free.
See all Xmas Deals. Show Best Buys
Black Friday & Cyber Monday alert service. In the US, this Fri is when big electronics stores pump out secret mega-bargains to signify the start of Xmas. Many big retailers, incl Apple and Amazon, do it here too. Then more promos launch on Cyber Monday, e-retailers' busiest day. DAILY UPDATES WHEN WE HEAR: Black Friday & Cyber Monday 'Free' mobile broadband with £1 Sim (great for tablets). MSE Blagged. Use code MSE100 to get a Samba* Sim with 100MB data for £1 (norm £7, via Three) - after that, it's free if you watch brief ads online. FULL INFO: Sim-ples |
Are you in the wrong band? £4,000 council tax reclaim
It happened to Robbie, it happened to George Michael - check you're not in the wrong band too. It feels like ancient history now. In a panic after the poll tax riots, in 1991 the Govt needed to value every house for the new council tax system. It paired estate agents & valuers, gave 'em clipboards and had 'em do 2nd gear valuations, driving down streets allocating bands. In Eng & Scot these 'temporary' valuations still dictate your council tax cost, 22 years on.
 "Been in the wrong band for 16 years, received over £4,000": Thousands have followed our Check & Challenge Your Band system and succeeded, not just in getting their bands lowered, but also in getting backdated payouts.
MoneySaver Richard got a payout dating back to 1997: "Followed your tips and found we were in the wrong council tax band, so I contacted the Valuation Office Agency. Less than 6 weeks later, we received over £4,000."- Step 1: The neighbours check. If you're in a similar house to a neighbour in a lower band, you may be eligible to have yours lowered. All homes' bands are available online. Do a Neighbours Check.
- Step 2: The valuation check calculator. If that stacks up, then for belt and braces, calculate your house's value in 1991 as that's what dictates the bands (A is lowest, H highest). We've built a Valuation Check Calc to help.
- Step 3: Challenge. You can't ask to have your band lowered, you can only challenge it, so it could go up OR down. So we suggest you ensure both checks stack up before going for it. Full details: Challenge Your Band.
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| £25 Burt's Bees grab bag, usually £50. V limited stock. Contains 6 items incl body lotion & lip balm. Burt's Bees Ask us Xmas shopping rights questions. Thu 11am-midday. We're teaming with CAB. Tweet @MoneySavingExp. Show Best Buys |
| Show Vouchers and Top Deals |
Restaurant vouchers | Discount vouchers & sales | Top deals |
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 RIP madmuppet5. It's with sadness we inform you that forumite, Grabbit and Tesco bargain-spotter regular madmuppet5 has passed away. He shared deals and helped many. Join in the tributes and dedicated bargain-spotting in the madmuppet Elite discussion. Our sympathies go to his family and friends. MONEY MORAL DILEMMA
My pregnant bridesmaid needs a new dress - who pays?
This week's MoneySaver who wants advice asks... I'm getting married in March, and have just found out one of my bridesmaids is pregnant. She's obviously not going to fit into the dress she has, so she's told me she'll need a new one. I know I'm going to get judged for saying it, but I feel like she should be the one that pays for it. Is it fair that I ask her to or is it my responsibility as the bride to stump up? Enter the Money Moral Maze: Should pregnant friend pay for new bridesmaid dress? | Suggest an MMD | View Past MMDs Woohoo - MSE wins Best and Most Popular Financial Website, and MSE Helen K wins Best Online Financial Journalist. Not to blow our own trumpet, but well done Helen Knapman on her Santander Media Award, and thanks to all our users who helped us scoop those Website of the Year trophies. BOOK GIVEAWAY
Rats, Bats & Strange Toilets. 25 blagged for MoneySavers. Want one? THE GREAT HUNT
Your best freebies of 2013
Some claim freebies aren't as good or widely available as they used to be. We want to hear your thoughts on this, as well as your best freebie finds of 2013. Share yours/read others': Best freebies this year Past topics: View all THE GREAT HUNT... REVEALED
Your tips for cheap/free storage lockers
We were interested to learn that some museums and galleries store luggage free, though some ask for a donation. Bus and train stations in various locations offer cheap lockers to hire for a day, but the most imaginative suggestion was to make use of supermarket trolley lockers for your belongings. Thanks to all who shared ideas. CHEAP FLIGHT SALES ALERT
Airline: Fly Thomas Cook Offer: £10-£20 off Ends: Mon 2 Dec
This week's pick is Fly Thomas Cook's £10-£20 off flights to the Canary Islands. It's valid on selected flights from Sun 1 Dec - Mon 31 Mar and includes some taxes and charges. The discount's automatically applied. We found a one-way flight from Manchester-Tenerife for £44.99, saving £10. To find flights quickly, use FlightChecker on a max £60 search. Extra charges warning: Avoid payment and check-in charges - see the Budget Airline Fee Fighting guide. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance back to top ↑ |
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Martin's blogs | Martin's appearances 28 November
Daybreak, ITV, 7.35am-7.45am.
Deals of the Week. | 28 November
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Listen to past shows.
| 2 December
This Morning, ITV, 11am-12pm.
Subject tbc.
PS. Missed The Martin Lewis Money Show Christmas Special? Catch up on ITV Player. | |
MSE team corner - Team appearances:
- No team appearances this week.
| Discussion of the week Say something or keep quiet? Broaching delicate subjects with loved ones can be tricky. Read a forumite's tale in the Would you have said something (as I did)? discussion and share your awkward moments and touchy conversations with friends and family. | Cheap travel money |
This week's poll: Are you sick of being asked about cookies? For about a year, the EU Cookie Directive's meant UK websites must ask if you're willing to accept cookies (files that track you).
It's to make websites more transparent, and to allow you to stop them tracking if you want to. But often, saying "no" means you sacrifice usability. Is the cookie directive taking the biscuit?
Which of the following is nearest to your view on the cookie directive? | Poll results When did you last use a bank branch?
Younger people visit their bank less - with just 11% of under-25s calling in more than once a month.
- 14% of 25-44 year-olds visited more than a month.
- 24% of 45-64s visited more than once a month.
- 27% of over-65s did the same.
7,392 voted. See the full results. |
| Q: Do online retailers have to honour mis-priced orders, as has happened with Reebok trainers? Nick, via Twitter MSE Helen S's A: Whether you're online or in a shop doesn't matter - a retailer cannot be made to sell something for far below its value because of an error. Yet after the contract is completed, it's a valid transaction.
In a shop, that comes once you've paid for it at the till. But online, that usually works at the point of dispatch. Until then, the retailer can always choose to say it won't honour it. So with Reebok's trainers, it's likely to have a chance to retract it - unless its terms and conditions say it doesn't. (Sadly, Reebok's says: "Reebok is... not bound by manifest clerical errors.")
If a shop is deliberately mispricing (eg, you tell it of an error and it doesn't rectify it in order to increase interest), then that's a criminal offence - report it to Trading Standards. Please suggest a question of the week (we can't reply to individual emails). |
 Debs' free game of the week: Sheepy |
Where on earth is Hull? Do you know better than the MSE team? It's not a small place and it's also the new City of Culture for 2017, but can you plot it on a map? Some of the southerners at MSE Towers struggled quite spectacularly... Where on earth is Hull? - and see how we did. We hope you save some money, Martin & the MSE team |
| Important. Please read how MoneySavingExpert.com works We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.
What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the section 75 guide for protection tips). We often link to other websites, but we can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, how this site is financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySaving Expert and Martin Lewis What is MoneySavingExpert.com?
Founded in February 2003, it's now the UK's biggest consumer help website with over 6 million people getting this email and nearly 10m using the site. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple: how to save cash and fight for financial justice on anything and everything. The site has over 30 full time staff about half of whom are editorial researching, analysing and writing to continually find ways to save money. More info: See About MSE Who is Martin Lewis? Martin set up and runs MSE, he's an ultra-focused money saving journalist and consumer campaigner. He has regular slots on Daybreak, Lorraine, Radio 2 Vine, BBC1 Watchdog, Radio 5 Consumer panel and presents ITV Tonight. He is a columnist for amongst others the Sunday Post as well as an author. More info: See Martin Lewis' biog What do the links with a * mean? Any links with a * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the product at all and the editorial line (the things we write) isn't changed due to it. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See how this site is financed. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too:
Unaffiliated web-addresses for links in this email gocompare.com, google.co.uk, moneysupermarket.com, aviva.co.uk, admiral.com, directline.com, lv.com, confused.com, comparethemarket.com, tescocompare.com, coverwise.co.uk, topcashback.co.uk, quidco.com, greeninsurancecompany.co.uk, uswitch.com, energyhelpline.com, swinton.co.uk, sainsburysbank.co.uk, santander-products.co.uk, mbna.co.uk, vouchedfor.co.uk, barclaycard.co.uk, lloydsbank.com, halifax.co.uk, fluid.co.uk, postoffice.co.uk, sambamobile.com, firstdirect.com, bt.com, gocompare.com, www.debenhams.com, www.johnlewis.com.
Financial Conduct Authority (FCA) Note Referring people to insurers or insurance intermediaries can in some circumstances constitute an FCA regulated activity. For this reason, pages with links which take you to the sites of insurers or insurance intermediaries are hosted by MoneySavingExpert.com Limited on behalf of MoneySupermarket.com Group PLC. MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited is MoneySupermarket House, St. David’s Park, Ewloe, Chester, CH5 3UZ. To change your E-mail or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips |
