If you answer 'NO' to any of the following questions, don't buy.
Do I need it?
Can I afford it?
Not skint? Ask:
Will I use it?
Is it worth it?
Free protection for all shopping!
There's a little-known piece of legislation that turns any credit card into a financial self-defence superhero. 'Section 75' of the Consumer Credit Act means your plastic must protect anything you buy for more than £100 for free, so if there's a problem or the company goes bust, you can still get your money back.
And although Section 75 doesn't apply to debit cards, there is something else to fall back on if you've paid using a debit card, or used a credit card for a purchase under £100. Known as Chargeback, this is part of banks' and card companies' internal rules and not a legal requirement. Read full details of Section 75 or Chargeback, plus how to claim, in our guides.
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If a link has an * by it, that means it is an affiliated link and therefore it helps MoneySavingExpert stay free to use, as it is tracked to us. If you go through it, it can sometimes result in a payment or benefit to the site. It's worth noting this means the third party used may be named on any credit agreements.
You shouldn’t notice any difference and the link will never negatively impact the product. Plus the editorial line (the things we write) is NEVER impacted by these links. We aim to look at all available products. If it isn't possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How This Site Is Financed.
Duplicate links of the * links above for the sake of transparency, but this version doesn't help MoneySavingExpert.com:
Within the last week, we've seen the extension of coronavirus credit card, personal loan and overdraft help to 31 October 2020, with mortgage payment holidays already extended. The regulator's other help schemes are also likely to be extended too, including car finance and payday loans, yet should you do it?
We think it's important you understand the strengths and limitations of the site. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.
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).
Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.
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.
MoneySavingExpert.com is part of the MoneySuperMarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.