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How a write-off value is calculated comes down to one figure: your car’s market value immediately before it was damaged or stolen, minus your excess. A write-off, also called a total loss, happens when your insurer decides it is not economic or safe to repair your car and pays you a cash settlement instead. The […]

How to lower your energy bills comes down to two things: paying less per unit and using fewer units. With the Ofgem price cap set to rise to around £1,862 a year for a typical dual-fuel household from 1 July 2026 (Ofgem, announced 27/05/2026), most UK homes are facing a 13% increase unless they take […]

To complain about your broadband provider, raise the issue with the provider first, give them a fair chance to fix it, and if it stays unresolved after six weeks (or you receive a deadlock letter), take it free of charge to an independent Alternative Dispute Resolution (ADR) scheme. As of 8 April 2026, Ofcom cut […]

Does a black box track your location? Yes, a black box uses GPS to record where your car goes, including your routes, your speed against the limit, the time of day you drive and your total mileage. A black box (also called a telematics device or app) is a small unit or smartphone app fitted […]

What happens to your direct debit when you switch energy is straightforward in most cases: your old supplier usually cancels the direct debit automatically once your switch completes, and your new supplier sets up a fresh one based on your expected usage. The detail that trips people up is timing — cancel too early and […]

The broadband switching process in the UK now works through One Touch Switch, which means you only contact your new provider and they arrange the whole move for you. Since 12 September 2024, you no longer need to ring your old supplier to cancel, and you cannot be charged notice-period fees beyond your switch date, […]