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WEEKLY EMAIL

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Weekly Email
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This email was sent
17th Jun 2015
Warning! This info may be out of date. Read this week's email

Quick message from Martin - Get this emailed

"Hi. This free, spam free weekly email is the key way to save. We put all the latest deals, guides and loopholes in, yet many close within hours. Don't miss out, join the 12m who get it each week."

17 June 2015
         

This week

£6 for year's b'band & line rent
Booked a hol? Get insurance NOW
New 2-YEAR 0% credit card 'loan'
Ryanair seats 3yr-old alone
Mulberry handbags up to 40% off
Shift debt to 0% NO FEE for 18mths
Beat the BT Sport hike
£1 sun cream round-up
Stop Press: RBS, NatWest & Ulster Bank payments 'missing'
Free upgrade to Windows 10
New school catchment area checker
Burt's Bees £50 of products £23 del
Free Nokia-esque Snake game
'Free' ice cream, bread & more
Kids go 'free' to West End shows
'I got £1,800 from RBS for mis-sold packaged account charges'
Energy, phone, TV & b'band payments now affect credit rating
Dad's Day grub incl 'free' steak
Comedy fest, incl Ed Byrne, 2 tix £25
Last chance: Vote YES on Sentinel
£45 Sanctuary Spa travel set £22
Vouchers Index: Restaurants / Shopping
Best Buys: 0% cards | Car insurance
Best Buys: Gas & elec | Bank accs
Questioning the EU question

MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter

Have a play with our (MoneySaving) tools
Grab cheap holiday cash, check tax, slash rail fares, uncover hidden bargains, find mortgage best buys, bag cheap energy and MUCH more

MoneySavingExpert is a colossal, info-packed site, and this week we make no excuses for showing off the pick of our free tools. They can hammer down bills, nail you a bargain or shine a torch on your true outgoings and financial health. Let's open our toolbox...

1. Free Income Tax Calculator. The Income Tax Calculator shows how much tax and National Insurance should be deducted from your pay (you can also factor in student loan repayments). Also use our Tax Code Calculator to check you're paying the correct tax.
2. MoneySaving tools Free TicketySplit tool slashes train fares. Bizarrely, buying two tickets for one journey can save large. So we built the TicketySplit tool - Colin's example explains it: "I do Derby to Banbury return. A peak day return is £90.50. But Derby to Birmingham and Birmingham to Banbury day returns, staying on the same train, are £39.50."
3. Permanently cheap gas & electricity. Since we launched it in 2013, over 1.6m people have joined the free Cheap Energy Club, saving an average £200 per household. It finds your top tariff, monitors it each month and alerts you when it's time to switch again. Jeni tweeted: "Just saved £305 a year switching energy through Energy Club. Thanks."
4. Grab the cheapest travel cash. There are massive variations in rates (yesterday you could get €1,230-€1,370 changing £1,000) so TravelMoneyMax compares 40 online bureaux to find which gives most on 70ish currencies. Also see Martin's Should I buy euros now? analysis.
5. Benchmark your cheapest mortgage deal at speed. Rates are super-low but finding your best deal is tricky, so we created a comparison which finds your best bespoke deal, for remortgages, moving home and first-time buyers. As we're nerds, we also have an Ultimate Mortgage Calculator to answer everything you want to know about your mortgage.
6. Stamp Duty Calculator - how much will you pay? Buy a house or flat and you're likely to owe stamp duty (it's called that as the document once required a stamp). It's one of the biggest taxes, and thresholds recently changed. Our Stamp Duty Calculator shows exactly what you'll pay.
7. Free budget planner - analyse your finances. The huge Budget Planner tool answers the key financial question: do you spend more than you earn? If so, you need to change, or risk eating into savings and hitting debt hell. It analyses regular spending and one-offs incl birthdays & Christmas.
8. Get up to £200 for old mobiles. 'Sell your mobile' sites spray the TV with ads, but there can be enormous differences per site and handset. We devised the MobileValuer comparison to speedily find top payers. You could get £121-£201 for an iPhone 5S 64GB, £90-£170 for a Samsung Galaxy S5. Flogging a newer iPhone 6 Plus 128GB could fetch up to £445.
9. Never just apply for cards and loans - that marks your credit file. Use the free Eligibility Calcs. The only way to know if you'll get one is to apply which leaves a footprint on your credit file. Too many, especially in a short time, can hurt future applications. So we built free Eligibility Calculators which use a soft search (you see it on your file, lenders don't) to show your acceptance odds for top deals to minimise applications.

Free Eligibility Calculators include:
0% Balance Transfers | 0% Borrowing Cards | Cashback Credit Cards
Travel Money Cards | Poor Credit | Loans Eligibility

10. Speedily unmask hidden shopping bargains. The Local eBay Deals Mapper finds bargains near you and directs you to our iPhone and Android local eBay apps. Our Amazon Discount Finder manipulates the giant's URLs to create pages, eg, beauty 70%+ off* and TV 25%+ off*. Zoe tweeted: "Love the eBay app - grabbed a new VTech Baby Dancing Tower toy for 99p (was £40ish)."
11. Join the complaining revolution. Automated, free complaints system Resolver* explains your rights, drafts a complaint letter, monitors replies and escalates to ombudsmen. It works on 3,500+ firms, incl shops, banks & energy companies. 18k+ have used it since we revealed we were working with it in Apr, incl Michelle: "Complained about Halifax on the Fri, by Tue I'd got £90." Full Resolver info.
12. Give up that £1,750 coffee. A £2.50 coffee doesn't seem much, but one every day adds up. Our Demotivator tool shows the true cost of whatever fix you have. Sophie learned: "According to the Demotivator tool, in the last 5 years, I've spent £1,750 on lattes. Ridiculous."

PS from Martin: I'm taking a break this week, so all the work here is the product of the very talented MSE team.

Blagged for MoneySavers

Did you miss?

Get constantly 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

Top story: Mortgage benefit to be cut for 167,000
You'll get right to walk away over low broadband speeds
Netflix hikes new-customer prices
Get friends on board the MoneySaving bandwagon
If this email's ever helped you, please forward it to friends and suggest they get it via moneysavingexpert.com/tips
Use the Money Mantras If you're skint If you're not skint
The Ones Not To Miss Wed 17 Jun 2015
Urgent. £6 for year's Sky line rent & b'band (costs £111, £105 credit back)
14,500 codes avail, grab one ASAP. This is an intensely white-hot deal that could massively smash your costs

If you're on a standard BT or Virgin package, you may pay £300+/yr for broadband & line rental (excl calls). The real key to slashing the cost is to jump on hot promo deals, and this is scorching.

PLEASE NOTE: All 14,500 codes for this deal have now been snapped up. If you've already claimed one, you can now redeem it via this Sky line rent and broadband* link any time before 11.59pm on Thu 25 Jun (Sky will also have sent you this link in a reminder email). We've left the details below for info.

  • BroadbandGrab code ASAP, redeem from Fri - £105 bill credit on £111 line rent & b'band. MSE Blagged. For Sky newbies or those who left it 12+ months ago signing up to a 12-mth contract and paying by direct debit. You need a code (14,500 avail) - they're likely to go fast and you can get one now via the link, but can only redeem it from Fri 10am-Thu 25 Jun 11.59pm. Here's the deal:

    - Compulsory line rental. Blagged for half-price for 12mths at £8.20/mth - so £98.40 over the year. It rises to the normal £16.40/mth after the year but you can leave then.
    - Unlimited broadband (avail to 90% of UK). Up to 17Mb speed, this comes 'free' with the line rent for 12mths. After that you can leave or pay £7.50/mth.
    - Compulsory Sky router. It's marketed as 'free' by Sky, but the p&p costs £6.95.
    - Call costs. Weekend calls (up to 60 mins per call) to landlines included; other calls to UK phones are incredibly similar to BT (see full call charges). If you rack up £100/mth in call charges (even if your account is in credit), you'll be cut off until it's paid off in full.
    - You pay £5 upfront to 'verify your card' but you get it back. It's credited on the first bill.
    - A further £100 credit we've blagged is also applied automatically on your first bill.
    You'll therefore have a £105 credit on your account, incl the £5 above. Assuming you don't incur any call or other charges, the credit then covers all payments for most of the first year - so you won't owe anything till a 35p balancing payment in the final month.

    Analysis: The £5, a year's line rent plus the £6.95 router p&p is £110.35 over the contract (excl calls). You also get the £105 credit ( £5, plus the £100). Factor that in and you effectively pay £5.35 for a YEAR'S broadband and line rental - absurdly cheap.

    A £20 installation fee may apply. Don't have a line, or switching from cable? You'll pay £20. A few on certain standard lines may need to as well. The only way to know is via the application process (it'll tell you before you commit, you'll need your exact postcode and landline number). See Installation info.
  • Or pay £12/month for b'band & line rent (good if you have Sky). A simple alternative - no cashback, no vouchers, just sign up to an 18mth contract with SSE and pay £12/mth for line rent and b'band. SSE broadband.

More detailed info and alternatives, incl fibre broadband, in Cheap Broadband. Related: Cheap Home Phones, Digital TV.

Ryanair seats 3yr-old away from parents. See budget airline family travel warning news.

Mulberry up to 40% off handbags sale. Not MoneySaving, but if you're going to buy anyway, do it when cheapest. Handbags, clothes & accessories. Eg, Alexa bag £770 (was £1,100) & Campden clutch bag £450 (was £750). Limited stock

Shift credit card debt to 0% NO FEE for 18mths - new deal on the block. The price war rages on as Halifax* (eligibility calc) now offers up to 18mths 0% with NO FEE on balance transfers. Tesco* already offered 18mths 0%, no fee. Need longer? Barclaycard's up to 36mths 0%* card (eligibility calc) has a 2.39% fee. Clear before the 0% ends or they jump to 18.9% rep APR (Tesco 20.6%). Will you get 'em? Try our Eligibility Calc. FULL help: Top Balance Transfers, (APR Examples).

Beat the BT Sport hike - everyone with BT broadband should check. Up £60/yr from Aug. BT hike

£1 sun cream - factors 15-50. See our cheap sun cream round-up incl full safety help.

Stop Press. RBS, NatWest & Ulster Bank payments "missing". Worried customers have reported unpaid wages and benefit payments today. We're investigating & we'll constantly update our RBS/NatWest Q&A.

Warning. Have you booked your holiday but not got insurance?
Buy ASAP so that you're covered for cancellation - and get it from £6/person with our top picks

If you've booked travel but not your insurance you risk a money meltdown. It doesn't cost more, yet many leave it late - that's a nightmare. If you get an illness that lasts till you go away or a family death means you need to cancel, you're not covered if insurance wasn't in place at the time. Full info in Cheap Travel Insurance. In short:

  • Single-trip vs annual travel insurance. Go away just 2+ times a year (incl weekends) and annual policies usually win - less, and single-trip cover's often cheaper.
  • Avoid sky-high prices - cover a year's trips from £13. We found mega prices via some airlines and travel agents - one worldwide annual family policy with winter sports was £466, our top picks smash that.
Annual travel insurance (prices vary with age)
Cheapest (no-frills) Europe Cheapest (no-frills) world MSE top VALUE picks
FCA-regulated policies meeting our minimum cover levels (1) Subjective picks factoring in feedback & past payout record
Individual Age 18-35 Holidaysafe Lite* £13
36-65
Holidaysafe Lite* £15
Age 18-35 Holidaysafe Lite* £23
36-65 Holidaysafe Lite* £25
Age 18-64 Direct Travel*
Europe £42-£56, world £63-£85
Family 18-65 Holidaysafe Lite* £27-£30 18-65 Holidaysafe Lite* £46-£51 18-64 Direct Travel*
Europe £79-£106, world £121-£162
(1) We review 21 of the cheapest insurers to find these, see our min cover levels. Holidaysafe Lite is an MSE Blagged policy (ie, only avail via these links). Comparing via MoneySup* sometimes beats these due to its exclusives.

PS: If you're going to Europe, don't forget your Free EHIC Card (which gives state-run hospital care at the price a local pays) and check yours is still valid, as 5.2 million are due to expire in 2015.

Free upgrade to Windows 10. Register now if you've Windows 7 or 8.1. Windows Upgrade

New 'Which school will my child get into?' checker. A new mapping tool shows rough catchment areas, school quality and how likely your child is to get in. Plus check floods, noise, crime & more in 30+ house price valuation tools.

Burt's Bees grab bag £23 del (£50 of stuff). Incl lip balm, hand cream & body lotion. 4,000 avail

Free retro Snake smartphone game (looks like an old Nokia). Plus classics incl Tetris & Space Invaders. Games

Show Best Buys
Click the titles for full info and all our top picks
Balance Transfers Car Insurance Cheap Loans Top Cash ISAs
Longest 0%: Barclaycard*
Up to 36mths 0%, 2.39% fee

(18.9% rep APR)

No fee 0%: Tesco Bank*
18mths 0%, no fee

(18.9% rep APR)
Get comparison site quotes in this order...
Google*
Confused.com*
MoneySuperMarket*

Then check insurers they miss:
Direct Line*, Aviva*
Admiral MultiCar*

M&S Bank* (£5k - £7.5k)
4.5% rep APR



Sainsbury's* (£7.5k - £15k)
3.5% rep APR


NS&I 1.5% AER
Min £1, no bonus
Easy access. No transfers.


Coventry BS 2.3% AER
Min £1. No transfers
Loophole: Fixed till May 2020


See Card APR Examples & Loan APR Examples

'Free' ice cream, bread, Coke & more. Stacking cashback & promos. See Deals Hunters' Freebies blog.

Kids go 'free' to West End Aug shows (incl Wicked & Lion King) with paying grown-up. See 40+ shows.

SUCCESS OF THE WEEK: (Send us yours on this or any topic)
"I got £1,800 from RBS for mis-sold packaged account charges. It was easy using your template. Thanks."

Important. Energy, phone, TV & b'band payments now affect your credit rating. Full info in Credit Scores.

New. 2-YEAR 0% 'loan' - lowest credit card loan fee we've seen
Massively undercut standard loans via the power of plastic, with interest-free borrowing for a fee

Don't borrow unless you need to. And if you need to, always ensure it's budgeted for, affordable and as cheap as possible. Of course, the cheapest lending is interest-free, so many ask, "Can I use a 0% card to pay cash into my bank account?" The answer is usually no - unless it's a special Top Money Transfer Card, which lets you do it for a fee.

  • Clear your overdraftNew. Up to 2YRs 0% credit card loan (1.7% fee). Accepted new MBNA* (eligibility calc) cardholders can now do a money transfer for up to 24 months for a fee of 1.7% (min £3) of the amount transferred, after the fee was cut from 1.94% last week. The card pays money into your bank, so you owe it instead. If you need longer, another MBNA* card (eligibility calc) gives up to 36mths 0% for a larger 2.99% fee (min £3). After the 0% ends, both are 22.9% rep APR. Full info in 0% Card Loans (APR Examples). Note, MBNA may offer those with slightly poorer credit scores fewer months at 0%.
  • How does it compare to normal loans? It's especially useful for borrowing sub-£3,000, where even the cheapest loans are costly - eg, borrow £2,400 over two years and the cheapest standard bank loan is 14.9%, costing £365 in interest. Do the same borrowing via this up-to-2yr MBNA card and the only cost is the £41 fee. For larger amounts, see our Cheap Loans guide.
  • The Money Transfer Golden Rules:
    a) Want to cut cost of existing card debts? Both these cards also offer balance transfers (though with different 0% lengths & fees) so you can combine them. Yet if that's all you're doing, better deals are in Best Balance Transfers.
    b) Don't just apply.
    The Eligibility Calc shows your acceptance odds, protecting your credit score.
    c) Clear the card before the 0% ends - or you'll pay the higher interest rate (or at least balance-transfer the debt).
    d) Always pay at least the monthly minimum - on time. If not, you may lose the 0% deal - direct debits help.
    e) To replicate a loan, repay a fixed amount. To mimic a loan's disciplined fixed-repayment structure, add the fee to the amount borrowed. Divide by the number of 0% months, then pay that amount fixed each month.
    f) Never spend or withdraw cash. Those aren't at the 0% rate and can be very costly.

Father's Day restaurant deals. Incl dads eat 'free' at Harvester, 'free' dad's steak at Beefeater. See all meal deals.

Comedy festival, incl Ed Byrne, Rich Hall, Jim Jefferies at Hyde Pk: 2 tix £25 (norm £55). MSE Blagged. Choose one-day tix on Mon 22, Tue 23 or Wed 24 Jun in London - 2,000 tix for each. British Summer Time

LAST CHANCE. Ever had Sentinel (AI scheme) card protection? Vote YES for £100s. It had a card protection plan (similar to CPP) sold via Barclays, Lloyds, HSBC, etc. It's agreed to repay possibly £100m+ to mis-sold customers. If you got a letter asking you to vote on an automatic redress scheme, vote yes - but you've only a week left. Sentinel reclaim

£45 Sanctuary Spa travel set £22. Full- & travel-size lotions, scrubs, body butter and hand cream, plus Charles Worthington goodies. Boots


Show Best Buys
Click the titles for full info and all our top picks
Gas & Electricity Bank Accounts Home Insurance Landlines

Compare, get £30 dual fuel cashback & alerts if your deal's no longer cheap. Go via the free MSE Cheap Energy Club Top Pick Fixes Comparison.

The savings can be huge. Someone with typical dual fuel usage on a big 6 standard tariff pays £1,155 a year, the cheapest deal's £870.


First Direct*
£100 bonus and top cust service


Santander 123*
Up to 3% cashback on bills

(£2 per month fee)
Get comparison site quotes in this order...

GoCompare*
CompareTheMarket
MoneySuperMarket*

Then check insurers they miss:
Direct Line*, Aviva*

Direct Save Telecom*
with weekend calls
£11/mth (pay a yr upfront)



Post Office*
with weekend calls
£12/mth (pay a yr upfront)


Do a Money Makeover Budget Planner MSE car sticker £13 Travel Insurance
Show Vouchers and Top Deals

Restaurant vouchers

Discount vouchers & sales

Top deals

The Moneysaving community
Show Money Saving Community
The MoneySaving Community

CAMPAIGN OF THE WEEK
Questioning the EU question: We've seen the proposed question: "Should the UK remain a member of the European Union?" (which 24,657 of you already answered in our recent poll). Now the Electoral Commission is asking if the question could be clearer and whether "or leave the European Union" should be added. Tell it by Friday - and tell us what you think in our forum.

MONEY MORAL DILEMMA
Is it wrong to take a free lunch when I don't need it?

This week's MoneySaver who wants advice asks... There's a man who serves plates of hot food (donated by supermarkets) on behalf of the Hare Krishna movement at a university near where I work. I've started going at lunchtime, but some of my colleagues think it should only be for those who really need it. The man knows I'm not a student, and I make a donation to his cause every time. Enter the Money Moral Maze: Should I stop taking free lunches? | Suggest an MMD | View past MMDs

THE GREAT HUNT
Share your overseas medical or dental treatment experiences
We want your top tips on going abroad for medical or dental treatment. If you've ever done it, how did it go? Was it good or bad? Would you recommend it? Share yours/read others': Overseas medical treatment Past topics: View all

THE GREAT HUNT... REVEALED
Your tips for selling on local Facebook groups
We asked for your top tactics for flogging unwanted items on local Facebook groups. They included using it for bulky items and being wary of scams, plus another one that might not be so obvious - getting a separate mobile number for it.

Quick forum tips

Freebie of the week

Martin's appearances (from Wed 17 June onward)

Mon 22 Jun - This Morning, ITV, Money Monday, 11am.
Mon 22 Jun - Consumer Panel, BBC Radio 5, 12pm-1pm. Subscribe to podcast

MSE team corner

Team blogs:
A £30 surprise from my 19yr-old self

Regular team appearances:

Thu 18 June
Share Radio, MSE Eesha and MSE Rebecca, 10.30am

Fri 19 June
BBC Radio Manchester, 4.50pm

Discussion of the week

Do couples pay the price for being in a relationship?

According to a recent study, being in a couple is more costly than being a singleton. Share your experiences in the Do couples pay the price for being in a relationship? discussion.

Cheap travel money

UK's Best Currency Rates
£100 will buy you:
Best Worst
Euro Flag 136.96 123.26
US Flag $ 154.06 138.65
Turkish Flag TL 411.20 357.82
Rates correct at 3pm Tue
Find all top currency rates
Compare travel cash

This week's poll: How many jobs do you have?

Many people still find times tough, and a recent report showed 150,000 Londoners (up from 94,000 in 2005) now say they have to hold down two or more jobs to make ends meet. We want to see if this situation is replicated across the country.

So what is your situation? (If you do freelance/contract work, count it as one job.)

Poll results

How do you rate your home phone and broadband provider?
Of the major firms (with 1,000+ votes), only Plusnet, as when we ran this poll in January, rated highly. Here's how major firms fared:

- Plusnet was 70% 'great' on home phones, 68% 'great' on broadband.
- Virgin Media 49% 'great' on home phones, 56% 'great' on broadband.
- Sky 42% 'great' on home phones, 38% 'great' on broadband.
- BT 34% 'great' on home phones, 33% 'great' on broadband.
- TalkTalk 33% 'great' on home phones, 25% 'great' on broadband.

15,396 voted. See the full results.

Question of the week

Q: Could you please tell me if the law forbids a percentage extra charge for paying by credit card for goods or services? David, by email.

MSE Helen's A: No, it doesn't. Charging extra for accepting payment by credit or debit card is permitted under the 2012 Consumer Rights Regulations. However, the charge made shouldn't be more than the cost the seller incurs to accept your payment. Businesses in certain sectors, including financial services and gambling, are excluded from these regulations.

A credit card surcharge is almost always higher than the debit card surcharge because credit cards cost shops more. See the Crackdown on card surcharges MSE news story for more info.

Please suggest a question of the week (we can't reply to individual emails).

 Nick's free game of the week: Battlesnake

What have you done to be nice today?

That's it for this week, but before we go, this discussion just might motivate you to do the right thing. From taking in a stray cat to comforting a colleague, small but important acts of kindness abound. Read others' and share your own in our forum.

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).

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  • 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 MoneySavingExpert and Martin Lewis

What is MoneySavingExpert.com?

Founded in February 2003, it's now the UK's biggest consumer help website with more than 10 million people getting this email and about 13 million using the site every month. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple: saving cash and fighting for financial justice on anything and everything. The site has over 80 full time staff, more than a third 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, and still writes this email each week (unless it says so). He's an ultra-focused money-saving journalist and consumer campaigner with his own ITV prime-time show The Martin Lewis Money Show and weekly slots on Radio 5 Live, This Morning and Good Morning Britain, among others. He’s a columnist for publications including the Telegraph and Woman magazine. More info: See Martin Lewis' biography

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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

resolver.co.uk, amazon.co.uk, sky.com, halifax.co.uk, tescobank.com, barclaycard.co.uk, protectyourbubble.com, leisureguardlitetravelinsurance.com, holidaysafe.co.uk, google.co.uk, confused.com, moneysupermarket.com, directline.com, aviva.co.uk, admiral.com, marksandspencer.com, sainsburysbank.co.uk, mbna.co.uk, firstdirect.com, santander.co.uk, gocompare.com, directsavetelecom.co.uk, postoffice.co.uk .

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.

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