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Should I fix my energy or stay on the Price Cap?
Updated 4 October 2024
Average annual energy bills rose by 10% on Tuesday 1 October for those on standard price-capped tariffs (most households). But should you stay on the Price Cap, or move to a fixed deal? We've help to decide if fixing is right for you, plus analysis of the tariffs we've spotted...
Cheap Energy Club is back
Our Cheap Energy Club has bespoke help for those on dual-fuel and single-fuel standard variable and fixed tariffs. We initially relaunched it at speed and only had bespoke help for those on dual-fuel monthly Direct Debit price-capped tariffs. We've been hard at work since then and now have help for those on fixes, electricity-only and gas-only.
On Eco 7, prepay, or pay by quarterly cash or cheque? We're still working on adding bespoke help to the tool for you.
If you're using Energy Club, please feed back on anything that doesn't work or make sense.
How to check if it's worth fixing your energy
Before you switch to a fix (or any other tariff), you need to understand how the Price Cap will dictate what you pay if you were to stick on a price-capped tariff. Bear in mind this only really applies to one-year fixes – it's a much harder decision if you want to fix for longer.
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If you're not on a fix, you're almost certainly on a price-capped tariff, so that's what you need to compare against
Almost every household is currently on a standard tariff with prices dictated by the Energy Price Cap. For a household with typical usage, paying by Direct Debit, it's currently set at £1,717 a year.
But remember, the Cap is not a cap on how much you pay – it only limits standing charges and gas and electricity unit rates. See Price Cap FAQs for full info or see the full region-by-region rates in our Price Cap rates guide.
Yet that's not the full story as the Price Cap changes every three months, so you need to know how it's likely to change over the next year...
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The Price Cap rose by 10% on 1 October
The most important thing to understand is that price-capped tariffs are variable, and the prices change every three months in line with the Cap.
So when considering if it's worth switching to a fixed deal, you need to look at what is expected to happen over the course of the next year. A fix that looks decent now could end up costing you more over the next year if energy prices drop.
Energy Price Cap - confirmed changes and future predictions
Time period
Price Cap on typical use (1) NEW PRICE CAP
1 Oct 2024 to 31 Dec 2024Confirmed
UP 10%
£1,717 a year
1 Jan 2025 to 31 Mar 2025
Strong prediction (2)
UP 0.2%
£1,721 a year
1 April 2025 to 30 June 2025
Weak prediction (2)
DOWN 1%
£1,702 a year
1 July 2025 to 30 September 2025
Crystal ball-gazing (2)
DOWN 2%
£1,673 a year
1 October 2025 to 31 December 2025
Crystal ball-gazing (2)
UP 1%
£1,685 a year
Based on a dual-fuel household paying by Direct Debit. (1) 2,700 kilowatt hours of electricity, 11,500 kilowatt of gas. (2) According to the latest prediction (on 30 September 2024) from EDF’s Price Cap Forecasting Service.
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Martin's rule of thumb for when it's worth switching
Some of this is crystal-ball gazing and averaging, but if the predictions above are right, our best guess is...
Based on current published predictions, on price alone (not certainty)…
If you find a fix for at least 1% less than the new (Oct to Dec) Price Cap, it's predicted you'll save over the year compared with staying on the Price Cap
Yet E.on's Pledge tariff, open to all on Direct Debit (who'll have or get a smart meter) is basically a 3% cheaper Price Cap, so compared to that it'd need to be at least 5% less than the cap.
Similarly, EDF's Ensure tariff is essentially the Price Cap but with lower standing charges, and is also 3% cheaper on average.We've full details of the current deals below. You can use our Cheap Energy Club comparison tool to see the top deals for you plus a bespoke prediction of what you'd pay likely on the Cap over the next year (though be aware it's currently based on older predictions from Cornwall Insight, we're working on updating this using newer predictions from EDF) .
Or, if you want to quickly check whether a deal you've been offered is worth considering, see our 'Should you fix?' calculator.
Top energy deals
We've a full list of the energy deals we're aware of below. We've also included a few other tariffs that aren't fixed but could be worth considering (if you've been offered a deal we don't mention, please let us know).
What you'll pay varies by region and usage, so it's best to get a bespoke comparison. You can use our Cheap Energy Club to see the top fixes for you.
Top one-year energy deals
One-year energy deals currently available
| Supplier & tariff info |
Average cost compared with October Price Cap & exit fees (1) | Key info |
| Fixes worth considering Prices vary based on use & region, so links go via Cheap Energy Club to give a personal comparison. |
||
| Outfox the Market Fix'd Dual Oct24 v1.0 12-month fix New and existing customers |
- 9.4% LESS - £50 dual-fuel exit fees |
Available as dual-fuel only. You must pay by Direct Debit and manage your account online. Smart meters not required. |
| British Gas The Fixed Tariff 12M v5 12-month fix New and existing customers |
- 9.4% LESS - £100 dual-fuel exit fees (2) |
Available as dual-fuel, electricity-only or gas-only. Smart meters not required. |
| EDF Energy Essentials 1Yr Oct25v3 12-month fix New and existing customers |
- 8.9% LESS - £50 dual-fuel exit fees |
You'll need to have or get smart meters (including smart prepayment meters). You can pay by fixed monthly Direct Debit or on receipt of bills (or by smart prepay). Available as dual-fuel or electricity-only. |
| Octopus Energy Octopus 12M Fixed October 2024 v1 15-month fix New and existing customers |
- 8.8% LESS - No exit fees |
There are no exit fees, so you can always move if you find you're paying too much. It's available as dual-fuel, electricity-only or gas-only, and smart meters are not required. |
| 1 Year Fixed Loyalty |
- 8.7% LESS - £50 dual-fuel exit fees (2) |
Available as dual-fuel and electricity-only. You must pay by Direct Debit and manage your account online. You must be willing to have a smart meter installed (where possible).
|
| Sainsbury's Energy Sainsbury's Fix and Reward 12m V28 12-month fix New and existing customers |
- 7.7% LESS - £100 dual-fuel exit fees |
You'll need to have or get smart meters. Available as dual-fuel or electricity-only. |
| 1 Year Fixed |
- 7.5% LESS - £100 dual-fuel exit fees (2) |
Available as dual-fuel and electricity-only. You must pay by Direct Debit and manage your account online. You must be willing to have a smart meter installed (where possible). |
| E.on Next Next Fixed 12m v29 12-month fix New and existing customers |
- 4.5% LESS
|
Available as dual-fuel or electricity-only. You must be willing to have smart meters installed.
|
| Scottish Power Help Beat Cancer Flexi Oct 2025 Fixed term ends 31 October 2025 New and existing customers |
- 2.9% LESS - £100 dual-fuel exit fees |
Available as dual-fuel, electricity-only, or gas-only. Smart meters are not required. This tariff isn't a standard fix as it includes a portion (25% based on typical duel-fuel use) of variable costs, which are linked to external industry factors, such as network, social, and environmental obligation costs, which rise or fall during the tariff term, so your unit rates and standing charges could go up or down. With this tariff, Scottish Power makes a donation to Cancer Research UK on your behalf. |
| Not a fix, but worth considering Tough to do a comparison, so links go straight to the firms |
||
| Next Pledge v6 |
- Stays 3% LESS than every Cap (so moves with Price Cap) - No exit fees |
This variable tariff offers a fixed discount off the Price Cap unit rates for 12 months. It'll stay £50 below the Price Cap, so about 3% less (at average annual use) for the fixed term. See our E.on Next Pledge analysis for full info. You'll need to pay by monthly Direct Debit and manage your account online. You must be willing to have a smart meter installed (where possible). Available as dual-fuel or electricity-only.
New customers can get £20 dual-fuel (£10 single-fuel) cashback via Cheap Energy Club. |
| EDF Energy* EDF Ensure New and existing customers |
- Stays £50 LESS than every Cap (so moves with Price Cap) - £50 dual-fuel exit fees |
This variable tariff offers a fixed discount off the Price Cap standing charges for 12 months. It'll stay £50 below the Price Cap (£25 for single fuel) for the fixed term. See our EDF Ensure analysis for full info. You can pay by Direct Debit, upon receipt of bill or smart prepay. You must be willing to have a smart meter installed (where possible). Available as dual-fuel, electricity-only or gas-only. See our EDF Energy Ensure analysis for full info. |
Scottish Power 12-month fix New and existing customers |
- Stays £15 LESS than every Cap (so moves with Price Cap) - No exit fees |
This variable tariff offers a fixed discount off the Price Cap standing charges for 12 months. It'll stay £15 below the Price Cap (£7.50 for single fuel) for the fixed term. Your unit rates will match the Price Cap. You can pay by Direct Debit, upon receipt of bill. Available as dual-fuel, electricity-only or gas-only. Smart meters are not required. |
| Sainsbury's Energy Sainsbury's Tracker and Reward 12m V1 12-month fix New and existing customers |
- SAME as Price Cap - No exit fees |
This variable tariff matches the Price Cap standing charges and unit rates and changes every three months with the Price Cap. You’ll receive 750 Nectar points (worth £3.75) per fuel every three months (max. 6,000 in 12months, £30 equiv.) and two extra points for each pound spent in Sainsbury's stores/online. |
| Octopus Tracker |
- | A smart variable tariff where the rates you pay change every day. In recent months, it's been cheaper than the Price Cap, but rates can increase quickly, so it's more of a gamble. See our Octopus Tracker analysis for more. Available as dual-fuel, electricity-only or gas-only. You must have a working smart meter to get this tariff. |
| Agile Octopus |
- | A smart variable tariff where the rates you pay change every half an hour. It's best if you're able to shift energy usage out of peak times when rates are at their highest. Rates can spike quickly, so you need to monitor them. See Agile Octopus analysis for more. Available as electricity-only. You must have a working smart meter to get this tariff. |
Cheap fixes, BUT it's complicated... Prices vary based on use & region, so links go via Cheap Energy Club to give a personal comparison. |
||
| 1 Year Fixed + Boiler cover 12-month fix New and existing customers |
- 14.6% LESS - £100 dual-fuel exit fees |
You must take boiler cover for one year. It costs at least £15 a month (£180 for the 12 months), though this does include an annual boiler service. Once you've factored that in, it costs more on average than Ovo's 1 Year Fixed tariff, so only worth it if you were planning on getting boiler cover. Available as dual-fuel only. You must be a homeowner, pay by Direct Debit and manage your account online. You must be willing to have a smart meter installed (where possible). |
| Fixed Saver 27 Fixed 27 |
- 7.2% LESS - £150 dual-fuel exit fees
- £150 dual-fuel exit fees |
You need to take at least TWO other services with Utility Warehouse. See 'How do Utility Warehouse's fixed deals stack up?' Available as dual-fuel or electricity-only. You need to get smart meters if you don't have them already, but Utility Warehouse is offering £50 bill credit if you get them installed. You need to take at least ONE other service with Utility Warehouse. See 'How do Utility Warehouse's fixed deals stack up?' Available as dual-fuel or electricity-only. You need to get smart meters if you don't have them already, but Utility Warehouse is offering £50 bill credit if you get them installed. |
| Ebico Living Ebico Signature 12-month fix New and existing customers |
- 4.5% MORE - £100 dual-fuel exit fees |
A low standing charges tariff - good for low energy users. Average annual standing charges are 57% cheaper than the Price Cap for dual fuel customers. But it's unit rates are much higher than other fixed tariffs, so make sure to get a quote based on your personal use. Available as dual fuel or electricity-only and you must pay by Direct Debit. Smart meters not required. Ebico Living's energy is supplied by Rebel Energy |
Fixes that are unlikely to be a winner Prices vary based on use & region, so links go via Cheap Energy Club to give a personal comparison. |
||
| So Energy So Sunflower 12-month fix New and existing customers |
- 0.7% LESS - £100 dual-fuel exit fees |
Available as dual-fuel or electricity-only. You must pay by monthly Direct Debit and can only manage your account online with paperless billing. Smart meters are not required. |
Correct as of 3 October 2024. (1) All tariffs assume typical use (2,700 kilowatt hours of electricity, 11,500 kilowatt hours of gas), paid by monthly Direct Debit – your exact price depends on region and usage. (2) You can switch penalty-free to another tariff from this provider, but exit fees will apply if you switch to another provider, or to its standard variable tariff.
There are longer-term fixes available but it's harder to say if these are worth it
To be blunt, we're unable to give you a best guess on whether it's worth locking in to a longer fix – our rule of thumb for when to consider switching won't work here. That's because we base it on legitimate predictions on how the Price Cap is expected to change in future, and these predictions only cover up until December 2025.
We can give you the prices, show how they stack up against the current Price Cap, plus highlight the pros and cons of longer-term fixes, but no more than that. It's hard to know where the market's going to be in a year's time, let alone two years, so it could be a wise decision to fix, but equally, it could be a bad one that'll end up costing you.
The main benefit of a long fix is simply that your rates are locked in for longer, giving you greater price certainty. That means greater protection from major price shocks (like the one that caused the energy crisis). On the other hand, if energy prices fall elsewhere, you could end up locked in at a higher rate for a long period – and if you want to ditch it, there are high exit fees.
Longer-term energy deals currently available
| Supplier & tariff info |
Average cost compared with October Price Cap & exit fees (1) | Key info |
| Prices vary based on use & region, so links go via Cheap Energy Club to give a personal comparison. | ||
| Outfox the Market 2 year Fix'd Dual Oct v1.0 Two-year fix New and existing customers |
- 5.2% LESS - £200 dual-fuel exit fees |
Available as dual-fuel only. You must pay by Direct Debit and manage your account online. Smart meters not required. |
| Ovo Energy 2 year fix Two-year fix New and existing customers |
- 4.9% LESS - £190 dual-fuel exit fees |
Available as dual-fuel or electricity-only. You must pay by Direct Debit and manage your account online. You must be willing to have a smart meter installed (where possible). TABLE_CELL_STYLE New customers paying by Direct Debit can get £20 dual-fuel (£10 single-fuel) cashback via Cheap Energy Club. |
| British Gas The Longer Fix v11 Two-year fix New and existing customer |
- 4.8% LESS - £200 dual-fuel exit fees |
Available as dual-fuel, electricity-only or gas-only. Smart meters not required. |
| Next Fixed 24m v19 Two-year fix New and existing customers |
- 3.8% LESS - £200 dual-fuel exit fees |
Available as dual-fuel or electricity-only. You must be willing to have a smart meter installed (where possible). |
| EDF Energy* Essentials 2Yr Oct26 Two-year fix New and existing customers |
- 2.9% LESS - £250 dual-fuel exit fees |
Available as dual-fuel or electricity-only. You must be willing to have a smart meter installed (where possible). |
| Sainsbury's Energy Sainsbury's Fix and Reward 24m V19 Two-year fix New and existing customers |
- 2.7% LESS - £200 dual-fuel exit fees |
Available as dual-fuel or electricity-only. New customers will get 8,000 Nectar points when signing up (4,000 for electricity-only) and two extra points for each pound spent in Sainsbury's stores (one extra point for electricity-only). |
Correct as of 3 October 2024. (1) All tariffs assume typical use (2,700 kilowatt hours of electricity, 11,500 kilowatt hours of gas), paid by monthly Direct Debit – your exact price depends on region and usage.
High energy user? Large exit fees may not be as big a barrier to switching away
For most, the high exit fees on long fixes are a major consideration. But for very high users, these deals might be more attractive as the exit fees as a proportion of their bill will be lower.
For example, a £300 exit fee could be less than one month's Direct Debit for some households, making it potentially worthwhile if the savings by switching away early outweigh this.
Spotted an existing-customer deal you want but you're not with that firm? You might still be able to get it
Some of the fixed deals available right now are still only for existing customers of that firm – particularly the cheaper ones that are more likely to be worth considering.
If you want one of these deals but you're not an existing customer, you may still be able to get it. Simply switch to that provider's standard tariff first, and once that's done ask to be switched to the existing-customer deal.
The only issue here is if the deal is pulled before you become a customer. It can happen – deals can disappear without warning. Yet switching only takes five days, so it's a relatively small risk.
'Should you fix?' calculator
To find you best deal, it's always best to do a full market comparison to find your cheapest deal based on your usage and region. But if you want to quickly check if a deal you've been offered is worth considering (based on our rule of thumb) you can use our tool below.
What are the alternatives to fixing?
If you don't want to fix you energy tariff, there are other options, including...
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Do nothing – stick on the Price Cap
The vast majority of homes in England, Scotland and Wales are on standard variable tariffs set on or near the maximum level they can be under regulator Ofgem's Price Cap. This cap changes every three months.
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Cheaper variable tariffs that undercut the Price Cap
While firms are unable to charge those on standard tariffs more than the Price Cap, they can charge less if they wish to. There are currently four variable tariffs to switch to that can work out cheaper than the current Price Cap:
EDF Energy* is offering new and existing customers a 12-month tariff priced £50 below the Price Cap. The Price Cap standing charges will be discounted so all customers (irrelevant of energy use, payment method or region) will pay £50 under the Cap over the next 12 months (£25 if single fuel).
The unit rates will match the Price Cap and will change every three months. This means you'll always be paying less than the Cap. It is particularly good for low to medium energy users. Bear in mind there are exit fees of £25 per fuel if you leave before the end of the 12-month term.
We'll get paid if you click through to EDF and switch to its Ensure tariff via the link above. We'll donate a proportion of what we're paid to fuel poverty charity National Energy Action.
![2060743706]( "2060743706")
E.on Next is offering new and existing customers who pay via Direct Debit a 12-month tariff priced £50 below the Price Cap (at average annual use).Plus, new customers can get £20 dual-fuel (£10 single-fuel) cashback if you go via Cheap Energy Club.
The unit rates you pay will change every three months, while the standing charges are fixed. This means when the Price Cap changes, the amount you pay on the Next Pledge tariff will also change (and you'll always be paying less than the Cap).
The Price Cap unit rates will be discounted so a typical-use household will pay £50 under the Cap over the next 12 months. However, your actual discount will vary depending on your usage. If you're planning to stick on a price-capped standard variable tariff, it's worth considering.
Plus there are no exit fees with the latest version of this tariff (previously £25 per fuel), so you're free to move to another tariff with E.on or any other supplier. If you're already on the previous version of the Pledge tariff (v3) you can switch penalty-free to the latest version (v5) to take advantage of no exit fees.
Electricity-only provider Fuse Energy tariff is 5% below the October Cap
From 1 October, Fuse's electricity-only tariff is price-capped but doesn't charge the maximum rates. Crucially, it has lower standing charges which make it on average 5% cheaper (based on electricity-only), and even more so for lower users. Plus it gives every customer £5 bill credit on their birthday each year.
However, as it's electricity-only, you'll need to get your gas supply elsewhere (assuming you need it). Plus it's a new firm with no track record. If you're interested in switching, see the current rates and read our need-to-knows below.
Fuse Energy has launched an electricity-only FIX that's 8% below the October Price Cap
Its new 12-month fix is on average 8% less than the October Price Cap (based on electricity-only). But you'll have to pay a £50 exit fee if you want to switch away before the 12 months is up.
We've not included it our 'Should you fix?' table, as currently that only focuses on dual-fuel tariffs. But you can get a bespoke comparison in our Cheap Energy Club.
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The Octopus Tracker tariff is available to existing Octopus customers (though others can just switch first to its standard tariff, then to this) with dual-fuel, electricity-only and gas-only options.
Rates change daily depending on wholesale costs (and where you live), which makes it more of a gamble. While it has been cheap in recent months – 31% cheaper than the Price Cap on average over the last year – we've seen the daily rates rising in recent weeks, hovering around July's Price Cap levels, though that's still lower than the October Cap.
If it does start to get expensive, you can just switch back to its price-capped standard tariff (though it may take two weeks and you can't go back to the Tracker for nine months). Plus you'll need to get a smart meter if you don't already have one.
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'Time of use' tariffs – good for those who can control peak usage, for example, electric vehicle charging
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Specially designed electric vehicle (EV) energy tariffs, for those with an EV and a home charger, allow households to take advantage of cheaper off-peak rates to charge their vehicle, when there's less demand on the grid. With some of these tariffs, you can also take advantage of the off-peak rate for your other electricity use too.
The flipside is they can be pricey during peak times, so you could end up paying more for your general electricity use.
It's also worth noting some of these tariffs are only available if you have certain car models or chargers, and most suppliers will say that they can ask for proof that you have an EV.
The Agile Octopus Tracker tariff – prices change half-hourly based on wholesale rates
Octopus Energy also has its Agile Octopus tariff. It works a little differently from other EV tariffs – here, the rates you pay change every half hour depending on nationwide demand.
As prices change every 30 minutes, with cheaper rates at certain times of the day when nationwide demand is lower, if you can shift your usage outside of peak periods, the tariff could help you save even more. Yet if you need to use lots of energy during peak periods, you could end up paying more.
According to Octopus, due to volatile wholesale energy prices, it is currently only recommending the tariff to customers with solar panels, home batteries and EVs – as these households may be able to more easily shift use outside of peak periods, or they need to use a lot of electricity overnight to charge their EVs.
The tariff is electricity-only (so you'll need a separate gas tariff if you have gas) and for existing customers only. If you're not already with the supplier, you'll need to move to its standard tariff first. You'll also need to get a smart meter, if you don't already have one, so if you don't want (or can't get) one, it's not for you.
New supplier Tomato Energy has recently launched its ‘Lifestyle' tariff
It’s a ‘time of use’ tariff, meaning your electricity unit rate varies according to the time of day (you get up to three periods a day, where you get cheaper unit rates). The different unit rates for each time period are determined by the lifestyle data you enter upon signing up. If you don't complete the lifestyle questionnaire, you'll be put on Tomato Energy's 'standard' Lifestyle tariff, which offers nine hours of cheaper electricity, split across three time periods (five hours of which is overnight).
Your rates and times are fixed for 12 months, but there are no exit fees, so you’re free to switch to another tariff or supplier at any point. It’s an electricity-only tariff, so you’ll need to get your gas supply from another provider (if you use gas). You must have a working smart meter to sign up to this tariff, and be happy paying by variable Debit Debit.
Tomato Energy's electricity-only one year fix is 16% below the October Price Cap
Tomato Energy's electricity-only tariff charges on average 20p/kWh of electricity and 54p/day standing charge - significantly lower than the October Price Cap, making it on average 10% cheaper (based on electricity-only), and even more so for lower users. Plus there are no exit fees and you don't have to have a smart meter to get it.
However, as it's electricity-only, you'll need to get your gas supply elsewhere (assuming you need it). Plus it's a small firm with little feedback so we can't vouch for how good its customer service is. You must pay by variable Direct Debit. If you're interested in switching, you can get a quote online.
What to do if you're struggling to pay your energy bills
There are three key areas you can focus on:
- Have you got all the help you qualify for? Our What to do if you're struggling to pay your energy bills guide covers everything you can do and where to get help, and has info on all the cost of living support schemes.
- Check you're paying the right amount. You can use our Energy Price Cap Calculator to see how much you'll be paying from October.
- Try to cut your energy usage. There are lots of ways to easily reduce what you use. Try our interactive Energy Saving Tool, where you can click around a virtual house to find out how much appliances cost to run and how to cut back. Also, see Energy saving tips, the Energy mythbusters guide for less clear-cut issues, and our Heat the human guide.
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