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Pay excess not at fault is a real and common outcome in UK car insurance: if you claim through your own insurer after a crash that was not your fault, you will usually pay your excess upfront, then reclaim it once the other driver’s insurer accepts liability. The excess is not a penalty for being […]

Vodafone vs BT broadband comes down to a simple trade-off for most UK households: Vodafone usually costs less month-to-month at comparable speeds, while BT charges a premium that buys a bigger brand and a fuller support setup. On many plans both providers run over exactly the same Openreach network, so the underlying connection into your […]

Back-billing rules for energy stop your supplier charging you for gas or electricity you used more than 12 months ago, where you were not correctly billed for it before. This is an Ofgem licence obligation that protects UK households from sudden, large catch-up bills caused by the supplier’s own mistakes. It applies to all domestic […]

Does car insurance cover fire damage? Yes, but only if you hold the right level of cover. Both comprehensive and third party, fire and theft (TPFT) policies cover fire damage to your own car. Third party only (TPO), the legal minimum under the Road Traffic Act 1988, does not cover any damage to your own […]

Vodafone Fibre 2 broadband is a part-fibre (FTTC) home broadband plan advertised at £25 a month on a 24-month contract, with an average download speed of 67Mb and an average upload speed of about 18Mb. It runs over the Openreach network and is aimed at households that want more than entry-level broadband without paying for […]

How business energy switching works is straightforward in principle: you compare contract offers from across the market, agree a new fixed-term deal, and your new supplier arranges the changeover while your gas and electricity keep flowing. Only the billing supplier changes — the wires, pipes and meters stay exactly as they are. Business energy is […]