Advice

OLLI

This is truly the best snippet of advice I have ever been given. OLLI  stands for –>

ONE LIFE, LIVE IT

It really is that simple. Get on with doing all the things that are important to you. 
Your appearance, what other people think and social media are not what is important. Your life is.

Pre-Existing Medical Conditions Travel Insurance

Everyone travelling abroad is well advised to take out travel insurance. We all know that makes sense, and for most people the cost involved is well worth the peace of mind such insurance cover brings. For a number of people they benefit from no cost or low cost cover, possibly without realizing that it’s there. Some banks and building societies offer this to their current account customers,

However, for people with pre-existing medical conditions the picture can be somewhat different because their medical history has to be declared. This normally results in sky high premiums being demanded, as I found out. way out of proportion to the actual greater risks carried by the insurer. In other words, the excessive premiums demanded mean people with existing medical conditions just can’t afford to travel abroad, which is such a great shame.

All is not lost, however. There are a (very) few insurance companies that take a very different approach to such cases and although they still need to be told about any previous or current medical details they are very much more realistic about premiums.
After several days spent “shopping around” online and researching other peoples experiences I eventually found World First, who charged under £100 for both me and my wife for a joint annual multi trip policy, which I found to be seriously cheaper than other companies. When I tell you that my (declared) pre-existing medical conditions included a Stroke AND Prostate Cancer, you can then determine how affordable that premium appeared to us both.  Luckily we have not had to claim from the policy so I can’t comment on how they handle claims, but remain thankful for their realistic approach to people like myself.

World First
World First

Car Breakdown & Recovery Insurance

I was watching the money saving expert Martin Lewis one evening when he mentioned a young lady who he thought was paying “over the top” for her car breakdown & recovery insurance. He told her that she should not be paying more than £40 per year !!

Knowing I was paying a higher premium than that I checked on how much I was actually paying. Guess what, I found that my premium was well over double that amount, plus extra on top for legal protection plus extra for European cover plus extra for home start etc……

Time to get online and find what was available out there. That’s when I came across Start Rescue. Everything I need for a very reasonable £35.45 with home start and legal expenses plus accident and breakdown assistance and recovery. They also have a smartphone app. which reports your phone number and position directly to the company when you are in need of assistance, no need to call them. They then confirm by text to let you know that someone is on their way.

Gas & Electricity Supplies

Everyone knows how energy bills continue to get bigger, despite changing over to more energy efficient A+++ appliances and LED lighting, and having better insulated homes.

Equally people know that it is seriously easy these days to switch suppliers. It only takes a phone call or a couple of minutes online to make huge savings on energy bills. Where it gets complicated is trying to understand the confusion marketing tactics used by those bigger more well known names in the energy supplies industries, which is designed to totally confuse people so much that they don’t bother with actually switching their energy suppliers.

The other problem people are up against is that most of the energy supplier advice and comparison websites on the internet use biased results listings to ensure their commissions are protected, leading you to choose from less than the full marketplace in your attempt to reduce your annual energy costs.

If you want to reduce your annual energy spend, possibly by many hundreds of pounds a year  compared to the average Big 6 energy tariffs there are a number of new energy companies to choose from who operate very differently to those more well known and established ones.

Here are a few:

  • Bulb Energy – no exit fees so you are free to leave anytime. 100% Green energy.
    One tariff for all, called ‘Vari – fair’. Fuel prices  can go both down and up depending on wholesale market price changes.
    Dual fuel discount of £30 per year. Pays a £50 referral fee to users that introduce new customers, plus £50 credited to your referred new customers account.
    FIND THEM HERE

 

  • Yorkshire Energy – no exit fees so you are free to leave anytime
    2 simple tariff’s – Yorkshire Energy Variable, and the tariff I am on, Green Hedgehog
    FIND THEM HERE

 

  • Robin Hood Energy – a “Not for Profit” energy company launched by Nottingham City Council as a competitor to the Big Six Energy Suppliers.  FIND THEM HERE

 

  • Pure Planet – Britain’s first app only energy supplier. Cut your bills and your carbon footprint. FIND THEM HERE