Laden...
|
- | - | - | - | - |
|
|
---|
DON'T believe the fake ads on Facebook |
PROOF cheap car insurance is all about timing, eg, 'Got cover 21 days before renewal - saved £1,000'
This happens because the closer people are to the renewal date when getting a quote, the more risky they are deemed to be, according to insurers' data. So time it right. We've been overwhelmed with successes. Cam tweeted: "@MartinSLewis. Took your advice and got a car insurance quote 21 days prior to my renewal date. Was paying £148/mth. Now paying £68/mth." And Simon told us: "Got a car insurance quote 21 days before renewal and saved over £1,000. Thank you. #martinlewis" Three steps to find the cheapest price. 1) Combine comparison sites to speedily find your cheapest cover. They don't cover the same insurers nor give the same price for the same insurer. Our current order's: a) MoneySupermarket* b) Confused.com* c) Gocompare* d) Compare The Market*. (Why? See comparison order.) 2) Check hot deals comparison sites miss, eg, £60 Amazon vch via Admiral, £55 Amazon vch via Age Co. For more, see deals comparisons miss. 3) Also try big insurers comparisons miss. Some major names aren't on 'em. Try Aviva* and Direct Line* which can be competitive. More sometimes counter-logical ways that could save you money. It's a case of trial and error. - Use trial and error to see if comprehensive is cheaper than third party. - Check if adding extra drivers slashes costs. If they're a lower risk than you, it can bring the cost down. - See if legitimately tweaking your job description cuts costs. - Get on the electoral roll. Insurers do ID checks - if they can't identify you, cover may cost more. More help in our Cheap Car Insurance and Under-25s' Car Insurance guides, including how to bag extra cashback. |
Free £50 Tempur travel pillow till Thu. A dreamy freebie just for lying down in store and doing a survey. Free Tempur Mother's Day deals, incl mums eat 'free', £5ish prosecco, £25 for 100 stems couriered flowers and more cheap gifts. It's a week on Sunday - how to treat her without overspending. See our Mother's Day deals round-up. Warning. Do not use Viagogo. For why you should avoid the ticketing website, see Viagogo warning. Next 50% off sale rumour. Unconfirmed, but we've done the digging and are almost certain it starts Sat. Next sale updates. New. The cheapest way to get an iPhone 8 right now. MSE Blagged. A new iPhone is never MoneySaving, but if you'll get one, at least do it cheapest... like this. Vodafone newbies can get 5GB data + unltd mins & texts* on a 64GB handset (via Mobiles.co.uk). Use code MSEIPH8 and it's £137.50 upfront, then £24/mth over the 2yr contract. We can't find a cheaper way to get an iPhone 8 with calls, texts and data - even with small allowances. For more help, see Cheap iPhones. £25 of Gap, New Look or Odeon gift cards for £20 and you can stack with offers. Eg, £70 Gap dress for £20ish. Gift card trick Can you get a £49 Google Home Mini for £15? (it's 'free' if you've Spotify Family.) This is about manipulating a deal from the music streaming service. Google Home Mini trick |
|
|
---|
Packaged bank accounts are the Marmite of banking. Many love them, as cleverly used they get you hundreds of pounds of insurance for a fraction of the cost. Yet many hate them, as they were upsold unsuitable products leaving big sums of cash dripping away every month for years (if that's you, see reclaim £1,000s in mis-sold packaged bank account fees). Today though we're feeling the love, and we're going to show you how to work out if they're right for you, and save big money on insurance. Packaged bank accounts are good for couples and families. While they're bank accounts, in reality this is all about getting quality insurance cheaply. So if you pay for travel insurance, mobile phone cover and breakdown cover anyway - especially if it's for more than one person - see this as a one-stop shop that can be cheaper. Best thing is to add up what you normally pay over a year and see if it's cheaper to do it this way. If you don't pay for those insurances, avoid.Nationwide £500+/yr of insurance for £156/yr - best for families. The Nationwide FlexPlus* account costs £13/mth and can be a winner IF you'll use the perks. In fact, even if you don't want to switch bank, just open it (without using its switching service) and pay the monthly fee and you can get the insurance. Cover is for all the family living in the same home. You get... - Mobile cover for all your family's smartphones (incl all the latest). As decent cover for an up-to-date phone can be £100, even if you're just insuring two phones you can see the value adding up. If there are 4 of you with phones - wowzas. - World family travel insurance incl winter sports up to age 69. Cheapest family cover can cost £90+/yr. - Breakdown cover (incl Europe). For all account holders in any car, and anyone driving their car with permission. This can cost over £70/yr elsewhere. - 3% AER variable interest on up to £2,500. So you could earn £74/yr interest. - £100 refer-a-friend bonus. Got a friend with Nationwide? You can both gain £100 via its recommend-a-friend scheme if you do switch (incl 2+ direct debits). Halifax £400+/yr of insurance and £135 FREE cash for £180/yr - best for couples as a joint account. The Halifax Ultimate Reward account is £15/mth provided you're in credit, pay in £750/mth (ie, your salary) and have 2 direct debits going from it each mth (£17/mth or £204/yr if not). Yet it pays you £50 to switch to it, £85 after 6mths if you pay in £1,500/mth, go paperless and use the debit card - factor that in and for couples this is a winner, in the first year at least. Key info... - Mobile cover for the account holders' smartphones. Even if you want this as a sole account, as long as you trust your partner (think carefully about that and don't be pushed into it), add them as a joint account holder and they get the cover too. - World family travel insurance incl winter sports up to age 70. - UK breakdown cover. For all account holders in any car. This can cost about £50/yr elsewhere. - Home emergency cover. Covers burst pipes, leaks and more. Cheapest elsewhere is around £100/yr. Full info and more options in Packaged Bank Accounts. |
Huge, hidden discounts on official Heathrow parking, eg, we've seen it 40% less. This and more Cheap airport parking tips. McDonald's Monopoly is back for 2019, incl free food or cash - how to max it. While there have been calls to ban it on health grounds, in Martin's Twitter poll 70% said it's fun and harmless. So if you'll try it anyway, we've ways to max your chance of a win. But please be 'eat-aware'. Warning. Beware fraudsters pretending to be from HMRC. Some outrageously try to scare you with false threats that you could be arrested. Scams alert Free & cheap sanitary products, incl tampons. It's topical after the Govt announced free products in English schools from Sept. Here's how to get free or cheap tampons & more NOW, regardless of age. There's STILL £1.6bn in old £5 and £10 notes out there - how to turn 'em into usable cash. New figures we've obtained show many still have old paper notes. Old notes help £100ish Nails Inc nail polish collection £25 all-in. MSE Blagged 10-polish set incl glitter effects. 1,200 avail |
Tell your friends about usThey can get this email free every week |
AT A GLANCE BEST BUYS
|
Smyths £10 off each £50 baby items spend - incl pushchairs. Online & in stores till Thu. Smyths £1,000 WIN ON FREE POSTCODE LOTTERY - SUCCESS OF THE WEEK: Eurostar set for 10 MORE days of disruption - your rights. Boo la la. See Eurostar help. |
THIS WEEK'S POLL Should the contactless spending limit be increased? Two in five card payments are now made using contactless - up 31% in 2018. Yet the maximum amount you can spend using contactless is just £30 (barring some using Apple Pay), which is done to cap spending if someone takes your card. Should the contactless spending limit be increased? At what age do you realistically hope to retire? Last week, 15,000 of you told us when you hope to hang up your (working) boots. Despite the state pension age continuing to rise, most still hope to retire in their 60s, while an ambitious 10% of the 300 or so under 25s who answered hope to retire in their 40s - wishful thinking, perhaps? See the full retirement poll results. |
MONEY MORAL DILEMMA Should I tell the holiday company it's refunded me twice? I bought my mum a holiday, which had a 14-day cooling-off period in case she changed her mind. Sure enough she did, and I asked the company for a refund. It ended up refunding me the £1,849 twice. What should I do? Enter the Money Moral Maze: Should I tell the holiday company it's refunded me twice? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: 2019 1% challenge |
|
|
---|
MARTIN'S APPEARANCES (WED 20 MAR ONWARDS) Thu 21 Mar - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 20 Mar - BBC Radio Cumbria, Money Talks with Ben Maeder, from 6pm |
QUESTION OF THE WEEK Q: I'm paying a lot of interest on my credit card (on £3,000 worth of debt) - is there a way I can cut the interest? Lynn, by email. MSE Karl's A: If you're paying credit card interest, it's likely you'd benefit from a balance transfer. This is where you get a new card which pays off debts on the old one for you, often at 0%. Do this and more of your repayments go towards clearing the debt, rather than interest, so you'll end up debt-free quicker. But don't just apply for a balance transfer card willy-nilly, as that could harm your credit score. Instead use our Balance Transfer Eligibility Calculator, which shows you the cards you're most likely to be accepted for. For full help, see Balance Transfer Credit Cards. Please suggest a question of the week (we can't reply to individual emails). |
AN EASTER EGG MADE OF CHEESE? YOU'D CHEDDAR BELIEVE IT... That's all for this week, but before we go... we've seen our fair share of novelty Easter eggs, but this one's a cracker for some. Last week, Sainsbury's announced it's launching the so-called 'Cheester Egg' made entirely of cheddar. MoneySavers have been (mostly) loving it, with one concluding: "I'd rather have cheese than chocolate any day". Let us know what you think in our Cheester Egg Facebook post. We hope you save some money, |
Important. Please read how MoneySavingExpert.com worksWe think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong. What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips). We often link to other websites, but can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, How This Site is Financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySavingExpert and Martin LewisWhat is MoneySavingExpert.com? Who is Martin Lewis? What do the links with an * mean?Any links with an * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the products at all and the editorial line (the things we write) isn't changed due to them. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See How This Site is Financed. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too: Unaffiliated web-addresses for links in this email moneysupermarket.com, confused.com, gocompare.com, comparethemarket.com, aviva.co.uk, directline.com, mobiles.co.uk, nationwide.co.uk, sainsburysbank.co.uk, admiral.com, bank.marksandspencer.com Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips. |
Laden...
Laden...