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7 things that need insuring

It might feel like almost every part of your life is insurable these days. But insurance is only really needed if you stand to lose lots if the worst happens. Here’s our run-down of the top seven types of insurance policy that most people need at some point in their life, as well as a little bit about how they work.

5 things you need to know about Open Banking

Open Banking was launched in the UK just over one year ago. And what an exciting year of dramatic change it has completely failed to be. Despite the fanfare and news stories and debates about security, Open Banking has still not made much of an impact on Brits. We just haven’t really got excited about it yet.

Could a credit union be right for you?

If you want to save cash or you need to borrow some money then you’ll probably turn to a high street bank or building society, or maybe an online lender. And if you’ve struggled to manage your money in the past and your credit score is a bit low then you might decide to approach a lender who specialises in poor credit loans.

How to get life insurance for free

If you have financial dependents - in other words, someone who relies on your income in some way, such as a spouse or child - then life insurance is an essential form of protection. It will provide your loved ones with some much needed financial support at a very traumatic time.

How a regular saver can get you into the savings habit

Having a savings safety net in place is a really good idea. By building up a bit of a buffer, you are better able to deal with any sudden emergency spending that might come up - replacing a broker boiler for example - or deal with a change in circumstances, such as losing your job or falling ill.

Why your energy supplier may owe you money - and how to get it back

We are heading into the coldest time of the year, and those freezing temperatures mean that we are all far more likely to have the heating on for extended periods of the day. It’s during these winter months that we tend to use the most energy, and so account for a large chunk of our annual energy spend.

The TV licence: how you can avoid paying for it

We do love a good TV show in the UK. A survey earlier this year suggested that the typical Brit spends a whopping 27 hours in front of the box each week. That works out at around a decade of our lives watching telly.

What State Pension will I get?

Nobody wants to work forever, but how are you going to cover your living costs once you pack up work and retire? A key consideration for all of us who are planning to retire in the UK is the state pension. But who gets it? How much is it worth? And when can we start claiming it?

How to save up to £290 on your energy bill

Energy prices have been rising steadily this year, with all of the Big Six energy firms pushing up their prices at least once for customers with a standard variable tariff. The Government’s long-awaited energy price cap, which comes into effect in January, is supposed to help these customers.

Can I ask for a default mark to be removed from my credit score?

If you miss a payment such as for a credit card you will get a default mark on your credit history and it can take up to six years to be removed. However it may be possible to ask for it to be removed. Here we explain how default marks occur and what you can do to get them removed early.