Energy & Bills

Post Office Home Insurance Review 2026 — Who Underwrites It and Is It Worth It?

Post Office home insurance reviewed: Post Office Ltd acts as intermediary not underwriter, panel arrangement, in-branch accessibility for non-digital customers, FCA details.

15 Jun 2026 · 4 min read

MBNA Home Insurance Review 2026 — Product Status and What Customers Need to Know

MBNA home insurance reviewed: product status after Lloyds acquisition, Section 75 credit card protection versus insurance explained, FCA FRN 141580 and current options.

15 Jun 2026 · 4 min read

Homeprotect Insurance Review 2026 — Specialist Cover for Non-Standard Properties

Homeprotect home insurance reviewed: specialist insurer for flood risk, subsidence, listed buildings and unoccupied properties. FCA FRN 304432 and cover limits table.

15 Jun 2026 · 4 min read

Hastings Direct Home Insurance Review 2026 — Cover Limits and 191,000 Reviews Analysed

Hastings Direct home insurance: most-reviewed UK insurer on Trustpilot (191,000 reviews), three cover tiers, Sampo Group ownership explained and FCA registration.

15 Jun 2026 · 4 min read

NFU Mutual Home Insurance Review 2026 — Agent-Only, Rural Cover and Complaints Data

NFU Mutual home insurance reviewed: mutual insurer, agent-only distribution, rural and farm cover, agreed rebuild value option, Trustpilot 4.7/5 and FCA details.

15 Jun 2026 · 4 min read

Lloyds Bank Home Insurance Review 2026 — Is the Mortgage Bundle Worth It?

Lloyds Bank home insurance reviewed: Premier Account bundled cover assessed, FCA Consumer Duty fair value obligations, cover limits table and Lloyds Banking Group FRN.

15 Jun 2026 · 4 min read

John Lewis Home Insurance Review 2026 — Partnership Cover and Underwriter Examined

John Lewis home insurance reviewed: John Lewis Financial Services distributor model, underwriter identity, Partnership card points value on premiums and FCA details.

15 Jun 2026 · 4 min read

Halifax Home Insurance Review 2026 — Bank-Tied Cover vs Open Market Compared

Halifax home insurance reviewed: Lloyds Banking Group brand, bank-tied insurance fair value, cover limits table, FCA Consumer Duty obligations and FCA FRN 119278.

15 Jun 2026 · 4 min read

esure Home Insurance Review 2026 — Digital Insurer, Cover Limits and Claims Data

esure home insurance reviewed: digital-first Esure Group brand, Sheilas Wheels connection explained, two-tier cover limits, lower-risk customer focus and FCA details.

15 Jun 2026 · 4 min read

Tesco Home Insurance Review 2026 - Clubcard Savings and Cover Examined

A factual 2026 review of Tesco home insurance: how the Clubcard discount works, who underwrites the cover now that it is in-house with Tesco Underwriting, and why the sale of Tesco Bank to Barclays left the insurance arm untouched for buildings and contents policyholders.

15 Jun 2026 · 17 min read

Saga Home Insurance Review 2026 — Over-50s Cover, 3-Year Fixed Price Examined

Saga home insurance reviewed: exclusively for over-50s, 3-year fixed price guarantee, two cover tiers, underwritten by Ageas, Trustpilot score and FCA details.

15 Jun 2026 · 4 min read

Policy Expert Home Insurance Review 2026 — Trustpilot 4.7, Cover Limits and Claims

Policy Expert home insurance reviewed: highest Trustpilot score of any major UK home insurer, QMetric Group digital model, cover limits table and FCA registration.

15 Jun 2026 · 4 min read

Hiscox Home Insurance Review 2026 — High-Value and Specialist Cover, Cover Limits

Hiscox home insurance reviewed: bedroom-rated contents model, Lloyd's of London security, cover for properties above 500,000 rebuild cost, and FCA registration details.

15 Jun 2026 · 4 min read

Churchill Home Insurance Review 2026 — Direct Line Group Brand, Cover Limits

Churchill home insurance reviewed: Direct Line Group brand available on comparison sites, three tier cover limits, relationship to Direct Line explained and FCA details.

15 Jun 2026 · 4 min read

Sainsbury's Home Insurance Review 2026 — Nectar Points Value and Cover Assessed

Sainsburys home insurance reviewed: Nectar points incentive value on premiums, panel underwriter arrangement explained, cover limits table and FCA registration details.

15 Jun 2026 · 4 min read

LV= Home Insurance Review 2026 — Mutual Insurer, Cover Limits and Trustpilot 4.7

LV= home insurance reviewed: mutual insurer with no shareholders, two-tier cover limits, LV= Doctor service, Trustpilot 4.7/5 from 30,000 reviews and FCA details.

15 Jun 2026 · 4 min read

Direct Line Home Insurance Review 2026 — Not on PCWs, Cover Limits and Claims

Direct Line sells home insurance direct only -- no price comparison websites. Cover limits across Essential, Standard and Advanced tiers, claims data and FCA registration.

15 Jun 2026 · 4 min read

Aviva Home Insurance Review 2026 — Cover Limits, Match Promise and Claims Data

Aviva home insurance reviewed: Signature, Online and Premium tier cover limits, Match Promise renewal commitment, FOS data and Trustpilot score from 60,000+ reviews.

15 Jun 2026 · 4 min read

Ukraine Drone Strikes on Russian Refineries 2026: What It Means for UK Energy Prices

Ukraine has escalated drone strikes on Russian oil refineries throughout 2026, forcing major plants offline. Here is what the campaign means for UK petrol prices and the Ofgem price cap.

16 Jun 2026 · 7 min read

UK Seizes Russian Shadow Fleet Tanker Smyrtos in English Channel: What It Means

Royal Marines and NCA officers boarded MV Smyrtos in the English Channel on 14 June 2026 - the first UK-led shadow fleet seizure. Here is what happened and the legal basis for the operation.

16 Jun 2026 · 7 min read

What Is an energy exit fee? UK Meaning Explained

An energy exit fee is a charge a supplier may apply when a customer leaves a fixed-term energy tariff before it ends. It is set out in the contract, applies per fuel, and does not apply to standard variable or deemed contracts.

11 Jun 2026 · 1 min read

What Is an MPRN? UK Meaning Explained

An MPRN, or Meter Point Reference Number, is the unique reference that identifies a gas supply point at a property in Great Britain. It is tied to the property rather than the meter and is used when switching supplier or resolving a gas supply query.

11 Jun 2026 · 1 min read

What Is an MPAN? UK Meaning Explained

An MPAN, or Meter Point Administration Number, is the unique reference that identifies an electricity supply point at a property in Great Britain. It stays with the property rather than the meter and is used when switching supplier or querying a supply.

11 Jun 2026 · 1 min read

What Is the Priority Services Register? UK Meaning Explained

The Priority Services Register is a free support service that energy suppliers and network operators must offer to customers in vulnerable circumstances. It provides extra help such as advance notice of power cuts, accessible bills and priority support during outages.

11 Jun 2026 · 1 min read

What Is the Warm Home Discount? UK Meaning Explained

The Warm Home Discount is a government scheme giving eligible low-income households in Great Britain a one-off rebate on their winter electricity bill, set at 150 GBP for 2025-26. The rebate is applied by the energy supplier rather than paid as cash.

11 Jun 2026 · 1 min read

What Is a deemed contract? UK Meaning Explained

A deemed contract is an energy supply arrangement that applies automatically when someone uses gas or electricity at a property without agreeing a tariff, such as after moving into a new home. Its rates are set by the supplier and are often higher than negotiated deals.

11 Jun 2026 · 1 min read

What Is the back billing rule? UK Meaning Explained

The back billing rule is an Ofgem protection that stops energy suppliers charging customers for gas or electricity used more than 12 months ago, where the customer was not correctly billed for it through the supplier's fault. It limits how far back unbilled charges can reach.

11 Jun 2026 · 1 min read

What Is estimated billing? UK Meaning Explained

Estimated billing is when an energy supplier calculates a bill using a predicted level of consumption rather than an actual meter reading. It is used when no current reading is available, and is corrected once a real reading is submitted or taken.

11 Jun 2026 · 1 min read

What Is a kWh? UK Meaning Explained

A kWh, or kilowatt hour, is the standard unit of energy used to measure gas and electricity consumption on a bill. It represents the energy used by a one-kilowatt appliance running for one hour, and is the quantity suppliers charge the unit rate against.

11 Jun 2026 · 1 min read

What Is Economy 7? UK Meaning Explained

Economy 7 is an electricity tariff that charges two unit rates across the day, a cheaper rate for seven off-peak night hours and a dearer rate during the day. It suits homes that can shift consumption, such as storage heating, into the night period.

11 Jun 2026 · 1 min read