switch energy suppliers

Cheap Gas & Electricity

Compare now to save £100s

For most, switching during these uncertain times won't be a problem. Your supply won't be cut off, no one visits your home and all that changes is which firm bills you – and most can save £300+/year. To check, do a Cheap Energy Club comparison.

  1. Now's a great time to switch – the cheapest deals are still £250+/yr LESS than the price cap

    Back in January 2019, regulator Ofgem introduced a price cap on standard and default energy tariffs, limiting how much suppliers can charge for each unit of gas and electricity.

    Ofgem review the level of the cap every six months and, on Friday 7 August, announced that it will be lowering it by £84/yr from 1 October 2020. But don't let this lull you in to a false sense of security, as most of the 11 million on these capped tariffs will still be massively overpaying (see what the price cap means below).

    So avoid being ripped off by switching to a cheaper deal NOW. Compared with the new price cap, a typical household could still save over £250/yr by switching. See our Cheap Energy Club to find the best deal for you.

    Compare to find YOUR cheapest price (plus possible cashback)

    The cheapest tariff for you depends on where you live and your usage, so use our Cheap Energy Club comparison to find YOUR exact winner (plus you can get £25 dual-fuel cashback if we can switch you) – it only take five minutes. To help, here's a selection of our top picks...

    Energy price cap on typical use   £1,126 -
    Cheapest variable with good service  Igloo Energy £805 £321
    Cheapest fix
    E.on 1yr fix £816 £310
    Cheap fix with decent service
    Pure Planet 1yr fix
    £817 £309
    Cheap big six deal British Gas 1yr fix £819 £307
    Market's cheapest

    Outfox the Market
    Warning: Its customer service record has been poor recently, so think carefully before switching to it.

    £788 £338
    Tariffs correct as of 7 August 2020. Based on Ofgem figures for medium dual-fuel use. Pay via monthly direct debit. New customers only unless stated. Links take you to a filtered comparison of similar deals. (1) Including £25 MSE dual-fuel cashback (where paid).

    Energy switching Q&A

    Worried about the potential pitfalls of switching? Here's a quick video on how to avoid them.

    Video player requires JavaScript enabled. You can watch this video here: https://youtu.be/mm3IjUWgDTs

    As well as the video, we've also answered the most common switching questions posted on TwitterFacebook and our forum. See the answers below.

    Common switching questions

    • Q: Isn't switching a big hassle?

      A: No. Switch, and you keep the same gas, electricity and pipes. Only service and, crucially, cost change. It typically takes about three weeks to switch – though it can take as long as two months.

      All you need to do is take five minutes to do a comparison, find your cheapest deal and fill in your details. There can be hitches, but switching should be simple for most.

      Q: I'm in debt to my supplier, can I switch?

      A: If you're on prepay, you can if the debt's £500 per fuel or less. If you're on a credit meter, it varies by supplier and payment type. British Gas and Scottish Power tell us you need to pay off your debt before switching away. The other top six firms may let you switch, then pay it off.

      If you're in credit when you switch, your old provider needs to give you the cash.

      Q: Suppliers are all the same, so isn't switching pointless?

      A: You're right – in many ways they are the same. Yet switching isn't actually about suppliers. Just like one mobile phone firm has many different tariffs, so do energy suppliers. One supplier can have both the UK's cheapest and most expensive tariff.

      So the aim's to find your cheapest tariff, regardless of the firm. To show you the impact, and potential waste, someone with typical usage on the cheapest tariff pays on average £788/yr. But the same user on a pricey tariff will pay £1,126/yr.

      Q: How long does it take to switch?

      A: Energy suppliers have a cooling-off period of 14 days, which starts from the date you submit your switch, so no action is taken until this period is over. The switching process can take up to six weeks to complete, depending on the supplier, although most should now switch you in three weeks.

      You won't lose your supply during this time. It should be a seamless handover from one provider to the other. All that's really changing is the billing, not the actual gas and electricity that you're being supplied.

      Energy suppliers are supposed to keep you updated on your switch (via letter/telephone/email – keep an eye on your junk/spam folder). If you ever have any queries about your switch, you can always contact your energy supplier for an update.

      Q: How long does it take to get confirmation after switching?

      A: You usually get a confirmation email from the comparison site within 24 hours (definitely via Cheap Energy Club). After that, you're due a welcome pack. It could take weeks (sometimes suppliers even deny that you've switched).

      Q: Should I go for a short, cheaper fix, or fix long? I can't decide.

      A: First, look at how much you'd save with each fix. Then ask yourself: "Am I the type of person who'll switch regularly?" Will you keep on top of this and remember to switch at the end of each deal?

      If yes, then a shorter fix – which will generally be cheaper – is worth considering (our Cheap Energy Club will alert you when to switch again). Be aware though that if energy prices rise over the next few years, you could end up switching to a pricier deal when your short fix ends.

      The less likely you are to switch, the more you should consider a long fix. You may not get quite such a good rate, but it'll stay relatively cheap, even if you're inactive.

      Q: I've switched before. It said I'd save, but my bills weren't lower.

      A: While it sounds strange, you may save money by switching, even if your bills go up during a round of price hikes. For example, during price hikes by suppliers, you might switch to a new deal to pay less, but then see the price of your NEW tariff increase slightly.

      But if you hadn't switched during the price hikes, your bills would've gone up even more on your OLD tariff. So while you're paying a bit more, it'll still be less than if you hadn't switched.

      Q: I'm moving home, can I take my fix with me?

      A: If you're moving, some providers will allow you to take the fixed tariff to your new home. Costs vary by region, so if you're moving to a new one, you may pay new prices. But because you've locked in your rate before prices go up generally, the savings should still outweigh this.

      Therefore if you're fixing right now, it's best to compare based on your new postcode (if you know it) as you'll be there longer – and, of course, check the fix is portable (ie, can be moved).

      Q: Should I call my existing provider to fix?

      A: No, no, no. This isn't about grabbing any fix. That could leave you locking in at a high cost – it's about locking in on the cheapest fix, which may be with another provider.

      Q: Must energy providers give notice of price rises?

      A: Yes, 30 days' notice, so you'll know when it's coming.

      Q: Does switching affect my credit rating?

      A: Suppliers often carry out credit checks when you apply that show on your credit file. Lenders can see these. Each application can have a minor effect on a future credit score. It's usually not an issue unless you're applying for lots of other credit cards and loans around the same time.

      Q: I've just moved home, how can I compare?

      A: If you can get an idea of usage figures from the previous homeowners, brilliant. These figures will give you the most accurate comparison.

      If not, some comparisons offer a movers' service. Answer some basic questions about the house, such as size and appliance use, and it'll tell you the likely cheapest provider.

      Until you switch, the energy supplied to the home will come from the supplier the previous owners used.

      Q: I'm in the process of switching to a new supplier, but haven't fixed. Is it too late?

      A: When you switch supplier, you have a 14-day cooling-off period. So if you're within this time, do a new comparison looking for a fixed deal and if it's with a different supplier, you can switch again without a problem.

      If it's with the same provider or if you've missed the cooling-off period, call the supplier you're due to move to and ask it to switch you to its cheapest fixed tariff (use a comparison to check). Otherwise you'll have to wait until the supply is live before switching again.

      Q: I fixed but prices have gone up. Will I still get the fix?

      A: The point of a fix is you're not affected by price rises.

      If you fixed to cheap fixes that have now been pulled, you should be fine – you'll normally get the prices advertised at the point you applied (whether directly or via a comparison site).

      Things can go wrong, though. You could fail a credit check, or maybe you're heavily indebted to your supplier and it tries to block you. If so, you should be told within about two weeks.

      Q: I'm already tied in, is it worth asking my current supplier if I can switch to a fixed deal?

      A: The only way it can lock you in is with an exit penalty that wipes out any savings you'd make by switching. So first ensure your provider's fix is competitive. If you'd save more than the exit penalty by switching elsewhere, there's no point in fixing with your current supplier anyway.

      If not, while we've never heard of this happening, it's certainly worth seeing if your current company will waive your exit fee and switch you to its fix – you can always push hard by threatening to go elsewhere if not.

      Q: My friend says Utility Warehouse promises to be cheapest.

      A: Utility Warehouse/Telecom Plus is a network marketing firm, so its users can be very keen to sell it on. Its 'price promise' excludes online tariffs, which tend to be the cheapest.

      As its prices are covered by comparison sites, just like others, to see its price for you, do a comparison (scroll for it, as it usually isn't near the top). However, some do like it for getting multi-utility discounts (ie, energy and phone together). The problem is you're normally locked into the energy and phone elements to get the full benefit.

      Q: I'm only going to save £10. Is it worth switching?

      A: Remember, by fixing you're not just saving now, the aim is to get a guarantee against prices rising. You could also get cashback on top of the tariff-saving via the cashback site links.

      Q: How do I switch – will the new company contact the old?

      A: Yes. There's no need to contact your old provider (unless, perhaps, you are in debt with it and want to discuss how you pay it off).

      Q: I've heard some people switch to a cheaper price but have a bigger direct debit?

      A: Direct debits are based on an estimate of your usage. Some find they switch to a cheaper tariff, but their direct debit rises.

      This is usually because the new firm overestimates, or the old one underestimates. If it's too high and means you overpay, you'll get the money back later. If it's a problem, you've a right to ask your supplier to lower it. See Energy Direct Debits.

      Q: I'm renting, can landlords dictate which provider I use?

      A: If you pay the gas and electricity bill directly (not via the landlord), you can and should compare and switch. Don't stick with the previous tenant's supplier as often it's costly. Always do a meter reading as soon as you move in.

      You have a right to do this without your landlord's permission, though it's worth checking your tenancy agreement just in case it's a breach. If it is, communicate with the landlord – nothing changes for them if you switch, so it shouldn't be an issue.

      Even if your tenancy agreement says you can't switch, challenge it. Preventing a tenant from changing energy supplier may be viewed as an unfair term, so talk to Citizens Advice to see if it can help. If you pay your landlord for energy, it's their choice.

      Q: I only use electricity – can I switch and fix?

      A: Yes, use Cheap Energy Club to find the cheapest electricity prices for your area. Just select 'electricity only' and it will show your top fixes.

      Q: Is it true that paying by direct debit is cheapest?

      A: Yes, but specifically by monthly direct debit, which can be up to £85 cheaper a year. Your bill is then estimated, so make sure you do regular meter readings.

  2. Get CONSTANTLY cheap energy with MSE's free Cheap Energy Club

    Our Cheap Energy Club is designed to keep you constantly on the cheapest tariff – fighting the fact most cheap deals only last one to two years before their rates rise. It does this by...

    1. Finding you the cheapest deal. If you're already on it, great. If not, it'll help you switch. You usually get £25 cashback on top for a dual-fuel switch or £12.50 cashback for switching just gas or electricity.

    2. Then monitoring your tariff constantly. Each month, without you doing anything, we do a background comparison to check yours is still cheapest.

    3. Alerting you when it's time to switch (again). If you can save money switching either because your rate's changed, or others have, we'll tell you.

    We've been swamped with positive feedback, such as:

    Got to say thanks. I'll be saving a whopping £800 per year on my dual-fuel bill after using your Cheap Energy Club. A tad annoyed with myself that I didn't do it sooner!

    Consider myself money-savvy, but just done your energy supplier swap and saved £548 a year.

    We've also added some improvements to Cheap Energy Club, including filters that let you search for tariffs from good service providers, your current supplier or by big-name suppliers only, among others.

    • Cheap Energy Club also lets you filter which tariffs will be eligible for the Warm Home Discount. This is a Government discount of £140 you can get during winter – if you qualify. It also shows which tariffs are made of 100% renewable electricity.

      You can also filter so you just see 100% renewable energy if you want to go green, find long fixes for greater certainty, or find tariffs with no exit fees or no standing charges.

      Try it, and let us know what you think and how else you'd like us to improve it at energyclub@moneysavingexpert.com.

    Other comparison sites don't always show all tariffs by default

    It's also possible to get cashback for switching from comparison sites. Bear in mind though that some comparison sites by default only show you tariffs you can switch to via them (ie, where they're paid commission). This filters out some results – Cheap Energy Club shows you ALL those available by default.

    • Here's a summary of how you can switch via the major comparison sites:

      Six-bottle case of wine to switch

      We've blagged MoneySavers six bottles of wine from Naked Wines if you switch both gas and electricity via this uSwitch* link. After your new supply goes live, you'll be emailed a voucher for a case of wine containing six bottles which it says is worth £60. Please be Drinkaware.

      It can take up to four months from the date you switched to get the voucher and you must use it within six months.

      £17 cashback per fuel switched

      Switch via this specific Energyhelpline* link and you can get £34 for a dual-fuel switch, or £17 for a single gas or electricity switch.

      Energyhelpline pays the cashback 60-120 days after your new supply goes live.

      It may be possible to INCREASE the cashback

      Occasionally, some energy companies pay even more if you switch directly via their websites or through cashback websites. Therefore, for the ultimate finesse, first use the comparison services to find the cheapest, then check the winner's website direct to see if it offers more cashback.

      Also check if you can get more going via a cashback website both for the energy provider itself and, on rare occasions, for going to the comparison site – try the Cashback Sites Maximiser.

      When is the cashback paid?

      Cashback's usually paid automatically 45 to 90 days after you sign up, but remember it's only paid when the comparison service actually administers the switch for you. In some cases it can take as long as six months, and some comparison sites make you put in a claim.

      Otherwise it doesn't earn anything, so it can't cut you in. Things can and do sometimes go wrong, so don't count the cash as yours until it's in your pocket.

      How do comparison sites work?

      The cheapest supplier for you is calculated by a complicated algorithm. It depends on where you live, how much energy you use, and the type of energy you use. Web and phone-based comparison services do this for you.

      Just plug in your address and usage (use the kilowatt hours on the bill rather than the cost to improve accuracy) and they tell you which supplier is cheapest. If you don't have a bill or have just moved in, most comparison services can still estimate for you.

      How do they earn their money?

      Comparison services are paid between £20 and £70 per switch by the energy companies. In other words, they're referral businesses. In itself this isn't actually a problem, as it doesn't add costs to the consumer.

      Yet these are commercial beasts, and thus there are differences between them – in functionality, inclusion of niche players and the treatment of initial discounts. There have also been some concerns that one or two tweak results at the edges for their gain.

      Overall, it's better to use them than to listen to the energy companies when they shout "we're cheapest".

      Why do they only pay cashback via this site?

      In the early days of the site, way back in 2004, a comparison service boss asked Martin: "How can we be your top pick?" Flippantly, he replied: "Pay customers some of your cut!" Surprisingly it agreed to a trial, but only for users of this site, so as not to cannibalise its existing custom.

      That was the start, and as this site's grown, now with many millions of users a month, they all want a piece of the pie. Hence many now offer cashback.

      In the main, it's still only links from this site, or for those who use phone services and quote the deals here. If you go direct, you get exactly the same service but without the cashback. You may be able to get cashback for specific energy providers via cashback websites.

      Why do I get different results from comparisons?

      It's common to use different comparison sites and get different results. While it can be annoying, not much can be done to standardise it. The main reasons it happens are:

      • These sites make a number of assumptions. If you haven't entered kilowatt hours, which is the most accurate way, then just giving a past bill can't actually tell the comparison sites your exact usage, so they each make some assumptions to work it out. Slight differences in those assumptions can affect the overall recommendations.

        Even if you do put kilowatt hours in, other assumptions are made, as some sites add in seasonal usage weightings and more slight variances due to how the calculations are done. Of course it's very frustrating, but ultimately it's likely the actual difference in what you pay will be small.

      • Check you've selected exactly the same current tariff. Annoyingly, when asking which tariff you're currently on, comparison sites often list almost identically named products for each provider – something that should be cracked down on – so make sure when you're picking your current tariff, you get it exactly right.

      • Was the difference just in the amount saved? If the tariff you should switch to is identical, but the saving isn't, this is less of a worry – it's far more likely to be about assumptions.

      • What about when there are genuinely different answers? That's very annoying and really it shouldn't happen, but occasionally it does. The only way to get PERFECT accuracy is to get a spreadsheet out and do your own comparisons. But unless you're a maths whizz with a lot of time, that's virtually impossible.

        The actual answer here is to remember the differences are only at the margins, so overall if you're making a saving it's still a good move.

      • Why do we suggest comparison sites if this can happen? The alternative is listening to the guy in the supermarket or ringing you trying to flog you a new tariff, and they're just salespeople. While the comparison sites aren't perfect, they are accredited by Ofgem and those standards mean the differences are small.

        In 2005, we took the decision (having made a big fuss about it) that ultimately it was more important to encourage people to save big money by getting the best tariff easily and switching at the right moment, than to berate comparison sites for small differences.

        We accepted comparison sites were the 'least worst' way to do it. Overall, they provide a good service and tell you roughly the cheapest provider. We hope they'll improve, but they're much better than sticking with an expensive supplier and watching prices rise.

      Help! I'm supplied by an independent gas transporter

      Independent gas transporters (IGTs) are often used by homebuilders instead of National Grid in new-build properties as they charge less to fit pipes. One in 20 people are supplied by them instead of National Grid.

      A few suppliers may charge a little extra if you want to switch to them with an IGT - but for most, there's no difference. 

      How to tell if you have an independent gas transporter

      If the meter point reference number (MPRN) – unique to your house – on your bill is 10 digits long, and starts with 74 or 75, this means you are supplied by an independent gas transporter.

      Is Utility Warehouse any good?

      This is a commonly asked question. Unlike most energy companies and resellers, Utility Warehouse operates by network marketing, which means its customers are encouraged to sell the product to their friends and they get commission for it.

      This tends to mean it does well on feedback charts, as customers have a vested interest, and many of them are evangelical about the firm. That in itself doesn't make the product bad, but in our view it's no better or worse than any other energy provider.

      Utility Warehouse's prices are included in all the main comparison services we list. So if the company turns out to be cheapest for you, it should be listed by them, and then it's worth going for.

      The main pitch of Utility Warehouse is that you can also get cheap mobile, broadband and home phones with it and that reduces the fee. In general, we find using the cheapest individual providers undercuts this, so always compare with those before signing up to it. See the Cheap Broadband and Cheap Mobiles guides for more.

    What about automatic switching?

    We've been developing a unique new service – MSE Autoswitch, our auto-compare-and-switch. Simply tell us your priorities, we'll then use them to pick your best tariff from the whole of the market. Then if you're happy, you switch to it, and each year we'll switch you to your new provider based on those priorities – you just approve it with a click.

    We're going to do a big launch later this year (we've a few more bells and whistles to add), but it's up and running now if you want to try it. Click MSE Autoswitch or see our Autoswitch FAQs for more.

    • There are a number of auto-switching companies – such as Flipper, Lookaftermybills and Weflip – which promise to continuously switch you to cheap deals, without you having to do anything. However, these services usually can't offer all deals on the market.

      The idea of automatic switching is that it constantly keeps you on a cheap tariff. These services use computer algorithms to constantly track and identify potential savings based on your energy use, meter type and current tariff. When you can save a certain amount, they will automatically switch you.

      What to watch out for

      There's a few things to watch out for when using automatic switching firms.

      For example, these services usually can't offer all deals on the market – only those which they can switch you to. If they don't have a relationship with a supplier, they won't be able to move you to one of that supplier's tariffs and won't tell you about these tariffs either, so you could miss out on certain cheaper deals.

      They also tend to be limited in the preferences you can set, meaning you can't adjust the minimum savings that you'll switch for, or choose only to move to providers with decent service or green tariffs.

      Most also base any savings on your projected costs for the next 12 months. This method assumes you'll roll on to your provider's standard tariff if the deal you're currently on ends in the next year.

      For example, if you've six months left on a fix, your projected costs for the next 12 months will include the remaining six months on your current deal, and six months on your provider's standard tariff, which is usually much more expensive.

      Comparing this way, rather than just against the rates you're currently paying, means automatic switching could actually switch you from a cheaper fix to a more expensive deal.

  3. What does the price cap mean for my bill – and why should I still think about switching?

    The cap on standard variable and default tariffs is set by regulator Ofgem and came into force on 1 January 2019. These are generally the most expensive tariffs – and if you've not switched in the last year or so, it's likely you're on one. The price is updated twice a year, and is currently set at £1,126/yr for a typical user. Ofgem has announced that this will fall from 1 October 2020 by £84/yr to a typical £1,042/yr. 

    For clarity, this doesn't mean the current £1,126/yr price will be the most anyone will pay. It's the rates that are capped, so if you use more you'll pay more, use less and you'll pay less.

    But don't be fooled by the upcoming cut to the price cap. If you're on a standard tariff, you'll still likely be hugely overpaying. Even compared to the new cap level, a typical household on a capped tariff could still save £250+/yr by moving to the cheapest deals.

    So the real savings are still to be made from switching.

    Price cap FAQs

    We've seen lots of confusion over how the price cap works – so here we answer some of the key questions we've seen and take you through some of the quirks of the new rules.

    • According to Ofgem, about 11 million households are still on expensive standard tariffs, often paying £100s more for the same gas and electricity than the cheapest tariffs on the market.

      To try to prevent these customers from being further ripped off, the Government ordered Ofgem to set a maximum level that suppliers can charge on their standard and default tariffs. This cap initially came into force on 1 January 2019 at £1,105/yr.

      Ofgem updates the maximum charges allowed under the cap every April and October, based mainly on wholesale costs (what suppliers pay for gas and electricity) over a six-month period leading up to the energy regulator's review.

      The cap will remain in place until at least the end of 2020, although the Government has the option to extend it on an annual basis until 2023 at the latest.

      Ofgem is now recommending that the cap is extended until at least the end of 2021 for both standard and prepayment tariffs, with the Secretary of State for Business, Energy and Industrial Strategy to make the final decision on any extension.

    • No, unfortunately it's not that simple, as the price cap varies with your usage and where you live.

      The current £1,126/yr figure is based on a particular level of usage – what Ofgem deems a 'typical' user – for gas and electricity, averaged across all regions. 

      The level of use for a typical user has changed recently, so you may notice some different figures being quoted for new price cap – see Average energy use has fallen for more info. 

      Don't worry too much about typical use though, as the price cap simply sets a maximum charge for each unit of gas and electricity you use – so if you use more, you pay more – and a maximum daily standing charge (what you pay to have your home connected to the grid).

      The price cap also varies by region. With typical use, the cap varies by about £70/yr between the most expensive and cheapest regions. 

    • The level of the cap also depends on how you pay. On typical use, the cap for someone paying by monthly direct debit is £1,126/yr.

      If you pay by any other method – such as quarterly direct debit, cash or cheque – it's higher. According to Ofgem, this is down to the higher costs to suppliers for providing energy to these customers.

    • No. Only 'default tariffs' are covered by the cap – so any tariff that you don't make an active choice to be on. This includes standard variable tariffs (SVTs) and 'default' fixed-term deals.

      Fixed or variable deals that you have chosen to switch to, rather than being rolled onto automatically, are NOT covered by the cap – so suppliers can still offer tariffs that charge more than the cap.

    • If you prepay for your energy, your prices are also capped. The cap generally works the same way for those on prepay – although the level it's set at is usually slightly higher. Currently it's £1,164/yr, and is set to fall by £95/yr in October to £1,070/yr.

      Also, the cap covers all prepayment tariffs, not just standard and default tariffs. See prepayment prices are capped for full info.

  4. Switch to monthly direct debit to save £85/yr

    Paying by monthly direct debit can cut bills by up to £85 each year, as companies are sure you won't default and they earn interest on any overpayments. So if you can do this, go for it.

    Yet direct debits are usually based on an estimate of your usage. If that's wrong, you can end up over (or under) paying each month. Remember, even if you're on a fixed tariff, your direct debit can go up if your supplier thinks you'll use more energy.

    Some find they've switched to a cheaper tariff, but their direct debit rises. This can be the new firm overestimating or the old one underestimating. If it means you overpay, you'll get the money back later. Since we've been lobbying on direct debits, rules have changed. Suppliers' licences now say they must ensure direct debits are reasonable. If yours isn't, see the Energy Direct Debits guide for full help.

  5. FREE insulation & boiler grants

    Energy efficiency can seriously cut bills. There are wads of freebies on offer from energy providers, from new boilers to loft and cavity wall insulation. It's all part of their efficiency obligations to people in certain groups.

    What's more, from September 2020, the Government has announced that up to £5,000 in vouchers will be issued to homeowners in England for energy efficiency improvements, such as installing loft, floor and wall insulation, or double-glazing, under the new Green Homes Grant scheme.

    Details of the scheme are still limited, but see our Homeowners to receive £5,000 vouchers MSE News story for more on what we know so far.

    For now, the full Free Insulation & Boilers guide has more on what's available, but below's a taster of what you can get and what it'll save you:

    • Boiler replacement or repair. Heating accounts for around 60% of what you spend in a year on energy bills. Depending on your boiler's age, a shiny new efficient one could save you up to £315/yr.

    • Cavity wall insulation. Most homes built since 1920 have a gap between internal and external walls. Filling the cavity with insulating mineral wool and foam means cold air's kept out, and warm air stays in, which can save an average three-bedroom home up to £255/yr.

    • Loft insulation. Up to a quarter of your home's heat escapes via the roof, but you can solve this by laying mineral wool under the rafters, saving up to £225/yr.

  6. Got electricity only? You can still save

    If you don't have a gas supply, don't think the rules are different. If you only have electricity, you can still save serious cash using the comparisons. Use Cheap Energy Club or the other comparison sites listed above to compare electricity prices.

  7. How to save if you have a prepayment meter

    While new regulatory caps on how much prepay customers can be charged mean prices are generally lower, those on prepayment meters are still pretty hard done by, certainly compared to those on standard billed meters. If possible, switch to one of these. You may have to pay, but the savings are usually worth it.

    Often they won't let you though, due to credit score or income difficulties. For full info on how to ditch a prepayment meter for a billed meter, or if you can't, how to save on prepay, see the full Cheap Prepaid Gas & Elec guide.

  8. Want renewable energy? You can go green and still save £100s/yr

    If you want to do your bit for the environment, there are plenty of 'green' tariffs available and you can still save £100s/yr over big six standard rates.

    These tariffs come in 'different shades of green'. Some suppliers promise to match your usage with energy generated from renewable sources – such as solar, wind or hydroelectric – while others will put money into renewable energy developments to boost the amount of green energy in the UK's national network.

    Typically, it's only the electricity that's fully renewable. A few suppliers have started to offer 100% renewable gas, but it's rare. For more on renewable energy, see our Cheap Green Energy guide.

  9. Save £100s/year without switching supplier

    If you think switching is too much hassle (it isn't, but hey ho), just move to your current provider's cheapest deal. Yes, that's right. Bizarrely, even though it's the same gas and the same electricity, each energy firm charges a range of rates for using it. And no surprise Sherlock, it's the 'standard tariffs' that most people are on which are by far the most costly.

    • How much can you save without moving firm? Companies' standard tariffs vs cheapest tariffs

      British Gas £1,123 HomeEnergy Fix Nov 2021v2 – £1,083
      E.on £1,126 Fix Online V40  – £1,025 No
      £1,126 Simply Online 1 Year Fix Aug21v3 – £881 (1) Yes
      Npower £1,126

      Fix Online v40 August 2021– £1,025

      Ovo Energy £1,125 Better Energy – £981 No
      Scottish Power £1,126 Online Fixed Saver August 2021 – £1,102 No
      Shell Energy
      Energy September 2021 v2 – £861
      SSE £1,126 SSE 1 Year Fix – £1,111 Yes
      Last updated on 15 July 2020. Assumes you pay by monthly direct debit. Costs vary by region. Assumes average usage of 12,000 kWh gas and 2,900 kWh elec per year. (1) Only available via price comparison websites.
    • There are two routes to do it. With both, one boon is even if your tariff has exit penalties they're not usually charged if you move internally (though some do charge, so always check).

      1) Go via Cheap Energy Club for £25 cashback. Use the 'My Current Supplier' filter in our Cheap Energy Club to see all your supplier's deals and find the EXACT cheapest one for you. For some, you can also get £25 dual-fuel cashback.

      2) Scan through our suppliers' cheapest tariffs list. Use the info in our table, then call your supplier and ask to switch. Be warned though, the table is based on average usage, and there can be regional variations. Plus some deals are only available via price comparison websites.

  10. On a fix? You can switch again penalty-free in the last 49 days of your deal

    To protect people on fixed-tariff deals, Ofgem's rules mean suppliers can't charge exit fees in the last seven weeks of fixed-term deals.

    So if you're near the end of a fix, you won't have to pay a fee to leave it and move to a new tariff – provided your switch completes within the last 49 days of your current deal.

  11. Renters can switch too

    If you rent your home you can save by switching, providing you pay the energy supplier directly (rather than paying your landlord). You don't need to own the property to do it, so don't just stick with the previous tenant's gas or electricity firm.

    Tenants can print out our factsheet to give to landlords. It explains the rights that renters have to switch energy supplier. It also helps landlords understand that allowing tenants to switch won't cause them any problems.

    You should also check your tenancy agreement – but even if your contract bans switching, Ofgem's guidance states if you pay the energy bill, you're still entitled to change supplier any time. You can still compare on Cheap Energy Club if you don't have the former occupants' bills, just hit the "don't know" button when you enter your usage.

    It's also worth pointing out that some tariffs require you to have smart meters installed. If you want to change the meter, you should check with your landlord first and get written permission.

    More switching info for renters:

    • Even if you pay energy bills to the supplier, but your tenancy agreement says you can't switch, challenge it. Preventing a tenant from changing energy suppliers may be viewed as an unfair term in a tenancy agreement. Talk to Citizens Advice to see if it can help.

      If there's a default supplier clause in the tenancy agreement – where a landlord has a tie-in with a particular supplier – Ofgem says you can still switch.

      Ofgem's guidance states: "If a tenant is directly responsible for paying the gas and/or electricity bills, they have the right to choose their own energy supplier and the landlord or letting agent should not unreasonably prevent this." See the Ofgem website for more.

    • It's still worth talking to your landlord to see if they'll switch to a cheaper supplier – after all, they'll get to pay less on energy bills too. However, your options are limited to just asking, because the landlord is the account holder. Put simply, the account holder is the only person with the right to switch.

    • If your landlord won't budge, ask if you can be switched to a cheaper tariff with the same energy supplier. If the landlord allows this (here's hoping they will), you'll start paying the cheaper prices the same day you switch.

    • If you've got a prepay meter and you're renting, you can still switch your energy supplier providing you pay the company directly (check your tenancy agreement too – though if it says you can't switch, challenge it).

      This is because it could be seen as changing the property from its original condition, unless you arrange to change the meter back at the end of the tenancy. The supplier may charge to do this, so check first. See the Cheap Prepaid Gas & Elec guide.

  12. Check if you're owed a refund

    If you switch energy firms and you're in credit, you're due the cash back. Your previous supplier should pay this automatically following your final bill, yet for years many energy firms pocketed the cash.

    Back in 2014, energy regulator Ofgem revealed that about three million people were owed a refund by an old supplier. Ofgem challenged suppliers, saying it "expects suppliers to do more" to return the cash when people switch away from them. While it has improved since then, it could be worth checking if you're owed anything, especially if you switched energy firms before 2014.

    We're not aware of a time limit for claims. Having said that, it's easier within the last six years as many companies might not keep records going back any further. So it could be your last chance to check.

    Energy UK has set up the website My Energy Credit, which aims to help people claim money back from their old energy companies, though it's mainly focused on the big six.

    Plus for switches since 1 May 2019, your credit must be refunded within 10 days of you receiving this final bill or you will be owed compensation on top. Frustratingly, there's still no set time frame for this bill to be produced.

    Quick questions 

    • This is easy. Basically, if you know you're owed, call your old supplier and ask for the cash back – it needs to refund you. The supplier will go through the process on the phone or will tell you to write in. Every big six supplier says past customers can go through the process on the phone.

      There may be rare cases where you'll have to write, for example when you've given your name, address and other information, but the supplier can't trace your old account. Here you may need to include proof of ID such as a copy of a passport or driving licence.

      Once you've gone through the process of either writing or calling, you should get the full overpaid amount. How long it'll take varies by supplier. You should get it within eight weeks, but some have had to wait months. Refunds will be paid by cheque or straight into your account.

    • For any switches started on or after 1 May 2019, all energy suppliers have to pay automatic compensation for:

      • A late credit balance refund. You'll get £30 automatic compensation if your previous supplier fails to refund your outstanding credit within 10 working days of sending your final bill. According to Ofgem, this could benefit an estimated 197,000 people (based on 2017 data).

      If it fails to do this, it will have to pay a further £30, also within 10 working days.

      How will I get the compensation?

      Ofgem has told us the method of payment is up to the supplier. It could be a bank transfer or credit card refund if it has your details, or it may send you a cheque.

      If you have a prepayment meter it can also add credit to that, which can be used with that supplier and any you may switch to.

    • Check your bill for contact details, but to make it easy we've compiled a list of contact numbers for all energy providers.

    • If your provider doesn't resolve your refund query within eight weeks of your first request for it, you can complain to the free, independent Energy Ombudsman.

      Once you've contacted the ombudsman, if it agrees to take on your case it will send a response within six to eight weeks. If it rules in your favour, it will send a letter to your provider (and you) detailing what the provider needs to do. If the provider needs to pay you a refund, it has 28 days to do so.

    • Your current supplier might be able to tell you who your old provider was by checking the UK database.

      If not, you might have to do some digging – see if you can find any old bank statements or check your credit report. If you were renting, check with any old flatmates or perhaps even an old landlord to see if they remember the supplier.

  13. What happens if my energy company goes bust?

    Several smaller energy suppliers have stopped trading in recent years, but don't worry – you're never at risk of losing your energy supply and any credit you're owed will be returned. However, the primary risk is you'll lose your current deal if your supplier goes bust and will likely end up paying more.

    Under regulator Ofgem's safety net rules, when a supplier fails a new one is appointed to take over, and once it does you'll usually be moved onto its standard tariff, the most expensive type of tariff. However, you're free to switch away without exit fees once your new account is set up, so make sure you do a comparison right away.

    If your account is in credit when the supplier goes bust, the new supplier will either pay it to you or add it to your new account to pay for future energy use once it takes over your supply.

  14. Use less energy to save on your bills

    It's not just which energy tariff you're on that can cut costs, using less can really pay off and is simple to do. Turn down the thermostat and wear jumpers, turn lights off when you leave a room, defrost the fridge and check it's not on too high, use energy saving light bulbs and don't leave electrical goods on standby. For more info, read the MSE Forum's Energy Saving Hunt and see the Energy Saving Trust website.

    Smart thermostats can also help some save on their energy bills. These gadgets give you greater control over your home's heating, letting you adjust it on the move via a mobile app or online, and set more complicated heating schedules than your traditional thermostat. They can be pricey though, so see the Smart Thermostats guide to check if they're right for you.

  15. Some suppliers run credit checks

    Some firms do a credit check when you apply to switch, as if you pay by direct debit, bills are estimated – if they under-assess you, you could owe them cash, so they want to know you're good for it. There are two types of credit check done...

    • Soft search. This is the best type, as you can see it on your file, but lenders can't so it DOESN'T have any impact on your ability to get future credit products (like mortgages).

    • Hard search. This DOES leave a mark on credit files lenders can see and can have a minor negative impact on future credit applications. This isn't a big deal usually, but if you're planning to apply for a mortgage within the next couple of months you may want to miss it.

    If you don't pass the credit check, suppliers may ask you to pay a security deposit or suggest a prepayment meter in order to take on your supply. You can stop the switch if this happens though.

    If you're worried about your credit score, our Credit Scores guide has tips on how to boost it.

    • Energy supplier credit checks

      British Gas Hard check
      EDF No check
      E.on Hard check
      Npower Hard check
      Scottish Power Hard check
      SSE Hard check
      Shell Energy Hard check
      Octopus Energy Hard check
      Ovo Energy Hard check
      Utilita No check
      Last updated: October 2019.
  16. Do a meter reading every time you get a bill

    Don't rely on your energy provider's estimate, these are often way out. If they're underbilling, you'll have a big whack to pay when your supplier receives your actual meter reading. If they're overbilling, then they've unfairly got your cash.

    If your direct debit is way off kilter, call up and ask for it to be changed. You have a range of rights to ensure it's correct. See the full Energy Direct Debits guide for template letters.

    Smart meters can help stop this as they send meter readings automatically to your supplier, so you only pay for what you use. See the Smart Meters guide for more.

  17. How to complain about your energy provider

    The energy industry isn't known for having great customer service across the board, and while a provider may be good for some, it can be hell for others. Common problems include incorrect bills, switching issues, direct debits being too high, refund delays and more. It's always worth trying to call your provider to sort the issue first, but if not then…

    Free tool to help you complain

    This tool helps you draft and manage your complaint. It's totally free to use, and it's offered by Resolver, a firm we work with to help people get complaints justice.

    If the complaint isn't resolved, the Resolver tool will help you escalate it to the free Energy Ombudsman Service.