Monday, 14 May 2018

Consumer Advice


Tonight on Drivetime our monthly update on consumer issues from Elizabeth Crampton from the Citizens Advice Bureau.


Domestic Violence
Domestic violence is controlling, coercive or threatening behaviour, violence or abuse between people aged over 16. It doesn't matter what your gender or sexuality is.

It includes the following types of abuse:
psychological
physical
sexual
financial
emotional abuse.

Anyone can experience domestic violence - it doesn't matter whether you're a man or woman.

Tenancy Fees
Changes to tenant fees and deposits have featured prominently in the news for the last year.

Now, landlords and agents are preparing for the introduction of the tenant fees ban. So what does the ban include, and what do landlords need to know?The government has pledged to introduce new rules making it illegal to charge tenants for things like references or inventories. The Tenant Fees Bill will also introduce limits on how much deposit landlords can take, as well as a series of new fines for breaking the rules.
There are plenty of ways to slash the cost of your home insurance, from comparing quotes to installing security measures. Remember to shop around at renewal too, as loyalty rarely pays. Here are our top tips:

Money saving tips on Household Insurance

Combine buildings and contents cover: Consider taking out both with the same insurance company, as you can often negotiate a cheaper price. It’s worth comparing the price of getting your buildings and contents cover separately too, so you can make sure you’re getting the best deal.

Cut out the frills: Check what extras you’re paying for, and whether you need them. You could reduce the cost by going for a basic policy and cutting out, for example, accidental damage cover. This can save as much as 20% on the cost of your insurance.

Pay annually: While spreading your payments over monthly instalments may seem more manageable, it’s almost always more expensive because you’ll be charged an additional admin fee.

Increase your excess: One of the most common ways to slash your cost is to increase the voluntary excess. This is the amount you must pay in the event of a claim, and it can range from about £50 to hundreds of pounds. The higher the excess, the lower your premium. 

more information on all these items can be found at the web site https://www.citizensadvice.org.uk/

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