This love of animals is not a new trend, but it seems that pets have become even more important recently, with a third² of pet owners considering their pets as members of the family.

People love their furry friends so much that 7% of owners always take their cat or dog on holiday³.

Taking animals abroad can require careful planning due to the strict regulations in place. Despite this fact, nine out of 10⁴ people took their dogs with them when they went on a UK holiday.

While holidaymakers won’t need to worry about overseas travel when staying in the UK, it is still important to have an adequate pet insurance policy in place.

Not all hotels or resorts will allow pets to stay, so here is a selection of the best pet-friendly hotels in theUK.

20. Bishopstrow Hotel & Spa, Wiltshire

Set in the countryside, this hotel offers style and luxury for both owners and their furry friend. Take a walk down theWylyeRiverbefore relaxing in the spa. Pets are free to explore all spaces in the hotel, apart from the restaurant.

19. The Old Rectory B&B, Shropshire

Take in the spectacular scenery and relax in this gorgeous country house inLudlow. People and their pups will be able to escape from daily life, whilst tucking into some delicious homemade cakes.

18. Trigony House, Dumfries and Galloway 

Guests will be made welcome immediately by Kit and Roxy, two four-legged hosts, and their owners. New arrivals will find a welcome note, with advice about local walks, and a doggy box packed with treats in their room.

17. Headland Hotel, Cornwall

For holidaymakers seeking some fresh sea air, the Headland Hotel – or one of its sea-front cottages - is the perfect choice. Whether people want to take a stroll along the dog-friendly beach or enrol at the surf school, there’s plenty to do.

16. Old Swan and Minster Mill, Oxfordshire

Anyone hoping for a night away from home in cosy surroundings will do no better than the Old Swan in the Cotswolds. Dogs are showered with goodies, such as meals, treats, towels and shampoo. There are plenty of walks nearby and some pet-friendly pubs too.

15. Overwater Hall, Cumbria

Hoping to retreat to a grand stately manor? Almost all the guests at Overwater Hall have a pet in tow, so the owners are happy to provide sitters for guests that want to explore further afield.

14.CaryArms, Devon

Another great pet-friendly seaside hotel is the Cary Arms on theDevonshirecoast. Dogs are welcome everywhere except the conservatory – they can even dine with their owners in the bar.

13. Penbontbren B&B, Cardigan

Set in the beautiful Welsh countryside, Penbontbren luxury B&B is small, but perfectly formed. With five suites, each featuring a sitting room and garden, it’s the ideal place for a bit of pampering – for pets and their owners!

12. Summer Lodge, Dorset

For the ultimate luxury English holiday, head to Summer Lodge inDorset. Guests will be provided with bespoke walking guides depending on your dog’s preference, as well as a bed, treats and towels.

11. Glede Knowe Guest House, Scottish Borders

This small guest house offers visitors a relaxing and friendly break in the Scottish Borders. It has everything you could need, from spacious bedrooms to spectacular views of the countryside.

10.HomewoodPark, Somerset

With award-winning gardens and 10 acres of grounds, you wouldn’t believe thatBathis just six miles away fromHomewoodPark. Four-legged friends can accompany you in the hotel (apart from the restaurant) and will be provided with a bed and bowl.

9. Crown & Castle, Suffolk

Escape from the stress of ordinary life with a peaceful stay at the Crown & Castle. Explore the quaint village and theSuffolkcoast with your pet before returning to enjoy a meal. There’s even a special table reserved for pet and owner dining.

8. Loxley House B&B, Yorkshire

Explore the market town of Hawes and the rest of the Dales in thisYorkshiregem. Loxley House is the ideal place for unwinding. Each room features a different design and guests can entertain themselves with the hotel’s collection of sporting equipment.

7. Blagdon Manor, Devon

At Blagdon Manor in Devon the owner’s three chocolateLabradors, Nutmeg, Cassia and Mace, have made sure that dogs are well cared for. As such, there are towels for wiping paws, gourmet dog biscuits and all sorts of other thoughtful touches.

6.StaplefordPark, Leicestershire

This country house, situated in 500 acres of beautiful gardens, has put up a number of famous people, including Royals, politicians and TV stars. Dogs are welcome to roam the grounds and hotel – excluding the dining room.

5. Craik Na Day B&B, Scottish Highlands

It might be small, but this family run bed and breakfast, feels like a home away from home. It’s the minor details, like the free dram of whisky that will have people returning year after year.

4. Plas Dinas Country House, Gwynedd

Situated amongst the peaks of the Snowdonia mountain range inNorth Wales, Plas Dinas is a charming country house. There are 15 acres of grounds for owners and pets to explore, as well a cosy log fire to curl up to in the evening.

3. The Rectory, Wiltshire

The Cotswolds has proven to be a very pet-friendly place, with another hotel making this top 20. At The Rectory guests of the four-legged variety will be spoilt with treats and be given their own bed and bowls.

2. Seaview Hotel, Isle of Wight

People travelling over the water to theIsle of Wight, will be delighted with the Seaview Hotel. It’s situated on the north coast of the island, offering breathtaking views and a warm welcome to owners and dogs. 

1. The Milestone Hotel,London

This luxurious hotel in the heart of Kensington offers pure indulgence to pets and their owners, with custom-made pet beds and blankets, an in-house pet menu and grooming service.

Sources:

¹           http://www.pfma.org.uk/pet-population/

²           http://news.sky.com/story/1132875/pets-considered-part-of-the-family-census-shows

³           www.telegraph.co.uk/health/petshealth/10221277/Third-of-pet-owners-now-taking-their-animals-on-holiday.html

⁴           http://www.independent.co.uk/travel/uk/our-guide-to-petfriendly-holidays-in-the-uk-8698180.html

Home working is slowly becoming the norm, as more people let go of the traditional methods of working and adopt this new approach. Perhaps more commonly associated with creative jobs; working from home now extends to a variety of professions, ranging from lawyers to financial advisers.

It is largely with thanks to developments in technology that people can now set up office in their spare room. The internet allows workers to be in constant contact with their clients or head office, allowing bosses to keep an eye on their progress.

The UKgovernment has been very positive about home working, suggesting that it could also be beneficial to the taxpayer. A report published in 2011 stated that public sector workers could help the treasury save £15 billion² a year in office rent if they worked from home.

If you are planning to set up a home business or request to work from home, here are just some of the things you need to know.

Right to request

The right for parents to request flexible working has been around for a while now, but as of 2014, the Government is extending these rights to all employees³. This means that employers will have to deal with any requests within a reasonable amount of time.

However, in order to be considered, employees will have to have been employed for at least 26 weeks. It’s also worth noting that only one request can be made each year.

Tax

Many work-at-home jobs do not offer the same level of security as traditional ones. It is not uncommon for workers to be contractors, meaning that they are self-employed, rather than employed by the company.

Self-employed workers are not in the Pay As You Earn (PAYE) system and are responsible for filing their own self-assessment tax return and paying Class 2 National Insurance Contributions.

It is easy to treat any income as a salary, but it is important to remember that it is subject to income tax. Most people will be granted a tax-free personal allowance of £9,440⁴  , but anything earned over that threshold will be taxed at 20% and need to be paid by 31^st January the following year.

National Insurance contributions are also automatically deducted from your gross salary before it is paid to you. However, if you are self-employed, you are responsible for paying this yourself. The current rate (2013/14) is £2.70 per week⁵ .

Insurance

Working from home often comes with additional responsibilities. For example, if your computer is stolen, it’s up to you to replace it, and often out of your own pocket.

This means it is important that you check the terms of your home insurance. Many standard policies will cover ‘administration’ duties⁶  , but it can be beneficial to invest in additional business insurance.

Anyone that has customers visiting their property may also want a separate Public Liability Insurance policy. Home workers aren’t obliged to take out this insurance, but it removes the risk of liability in the event that anyone is injured.

It is worth checking your existing contents insurance as it may be able to provide the cover you need, but in some cases, you will need additional insurance.

Pensions

One of the main benefits of being an employee is a company pension scheme. At times it can seem like an unnecessary pull on your finances, but when it comes to retiring it can be a lifesaver.

With a workplace pension, a percentage of your pre-tax salary is deposited into your fund. The employer also makes a contribution.

The government’s new auto-enrolment rules means that employers are required to contribute a minimum of 2% of earnings – and employees 1%⁷ .

However, self-employed workers will not benefit from a company pension. It is possible to start a personal pension fund, such as through the National Employment Savings Trust (NEST) but you will not receive any additional contributions.

Annual leave

If you’ve exhausted your annual leave allowance for the year and are desperately waiting for the new fiscal year to roll around, granting you another 30 days’ leave, just think how self-employed workers feel.

Home workers that are employed by their company, and some contractors, will be granted a set number of days of paid holidays. In most cases, this is 5.6 weeks.

While home working can be very flexible, in that workers may be able to set their own hours, they will unlikely receive paid holiday. In most cases, if self-employed workers want a day off they will have to go without pay. The same applies for sickness and other authorised absences.

Working from home definitely has some advantages, but there are a number of things that need to be considered before making the leap.

Sources:

¹           http://www.telegraph.co.uk/news/uknews/10440778/Return-of-cottage-industries-as-almost-3m-Britons-work-from-home.html

²           http://www.telegraph.co.uk/finance/jobs/8875686/Work-from-home-and-save-Treasury-15bn-a-year-says-Eric-Pickles.html

³           http://www.xperthr.co.uk/editors-choice/government-to-extend-flexible-working-rights-from-2014-and-introduce-flexible-parental-leave-from-2015/114770/

⁴           http://www.hmrc.gov.uk/rates/it.htm

⁵           http://www.hmrc.gov.uk/rates/nic.htm

⁶           http://www.confused.com/home-insurance/guides/home-insurance-for-home-based-workers

⁷           http://www.which.co.uk/money/retirement/guides/company-pensions-explained/should-i-join-my-company-pension-scheme/

First things first: Are you ready?

Taking care of their general health

Identifying your pet

Exercise and training

Vaccinations

Regular grooming

Neutering

Litter training

It's important to place the litter tray in a suitable area.

Ideally it should be:

• Away from food and water bowls. Cats do not like to toilet in the same place they eat.
• In a secluded area where your cat will not be disturbed.
• In a place they can access at all times.

Outdoor cats

Scratching

Train, don't blame

Walkies!

Look into doggie diets

Consult a vet

Doors

Doors provide an obvious and common means of entry to burglars and you should always make sure they are as secure as possible. The Metropolitan Police recommend that wooden exterior doors should be a minimum of 44mm thick and fitted with a 5 lever mortice deadlock**. Spyholes, door chains and bolts can all provide additional security.

French doors can be vulnerable and should ideally be fitted with mortice rack bolts and mortice sash locks if the door style allows.

Windows

Ground floor windows and other accessible windows such as those above extensions or solid porches can also offer convenient routes of entry or exit. It's important to fit adequate locks on all windows that could possibly be used to gain entry into your home. It can be difficult to retro-fit locks to modern sealed uPVC double glazing but these should usually be fitted with an espagnolette (multi-point locking) system or deadlock shoot bolts. If you have single glazed windows, consider replacing the glass with laminated panes, which are far more difficult to smash. Fit suitable locks to all relevant frames. Ones that secure the actual frames are more effective than ones that only secure the window arm or bar.

Once you have suitable locks fitted to all relevant doors and windows, it's important that you actually use them. As many as three-quarters of burglaries occur where homes have been left insecure, for example when doors and windows have been left open***. An opportunistic break-in can happen very quickly so you should always close and lock windows even if you are only popping out to your neighbour's house or on a five minute trip to the shops. 

Alarms

Security alarms can be a very useful addition to your home security. They will not only signal when a break-in is taking place but may also deter would-be burglars in the first place. Many break-ins are opportunistic in nature and most burglars naturally go for easier targets.

There are many different types of alarm systems available. Some basic differentiations include hard-wired and wireless systems. Hard-wired systems are operated directly from your mains electricity supply and are generally thought of as the most reliable option. Hard-wired installation involves running cables through your home, however, and wireless systems may be far easier and cheaper to install. If you have a wireless system installed, it's important to check that any batteries are still charged on a regular basis.

The other main difference is between monitored and audible only alarms. Monitored or remote-signalling alarms alert the police either directly or via a private security company. They will also usually sound a bell, siren or other audible alarm. Audible only alarms will, as the name implies, only sound an audible alarm when triggered.

Lighting

Exterior security lighting can act as an effective deterrent. Burglars naturally prefer to go about their activities unseen and perimeter lighting can be a useful part of a wider security system. Lights can be left on to illuminate vulnerable areas at all times or they can be automatic, only lighting up when triggered. When fitting security lighting you should also be aware of your neighbours and the nearby environment. If a high powered security light is constantly being triggered by your cat, or you employ a constant light source that also shines through your neighbour's window, this may not go down well with your neighbours. Adjusting lighting angles and sensor triggers and using low-level, unobtrusive sodium light for constant illumination can sometimes help.

Checking over the pipes

Getting the boiler serviced

Tips to prevent a Christmas break-in

What to do if you are burgled

Puppy proofing your home

Invest in insurance

Choosing the right size dog kennel

The best Yorkshire dog walks

What does contents insurance cover?

Who needs it?

Types of policy

Do I need to pay excess?

What value?

Additional policies

However, the contents of an average  household can amount to a considerable sum in some cases, which means if you aren’t  insured and your possessions are lost, damaged or stolen you could end up  losing a lot of money and having to pay for replacements entirely from your own  pocket.

When you buy contents insurance you need to  inform your insurer of the value of the contents of your home, but with houses crammed  with computer equipment, TVs, white goods and even soft furnishings, it can be  hard to ascertain the exact value of the contents in your home. Many people  choose to use a home contents calculator to get an accurate picture of how much they need to be insured for.

Using  a home contents calculator

Using a calculator can help you to break  down the different areas of your home to ensure that you include everything you own.

When you use a home contents calculator you  will be guided step by step through each room in your home and have the ability  to make a detailed inventory of everything within them. This will help you ensur that you don’t miss important items off your list.

What  should I include in my contents insurance?

Your contents insurance can include  anything of value you have in your home. This can incorporate things like  electrical goods, white goods, computer equipment, CD’s, books and furniture. You  should also include your soft furnishings, curtains and carpets in your list.

If you store items such as tools, a lawnmower  or any other garden equipment in your shed then you should also include these. However, bear in mind that your shed will need to be secure otherwise you could  make your insurance invalid if items are stolen from this area.

Remember to include any items you have  stored around your home in your attic, cellar or in cupboards and don’t forget  to include essentials like towels and clothes. You can even insure the contents  of your fridge and freezer as these can often add up to hundreds of pounds.

Is  there a limit on the amount I can insure items for?

Most insurers will set a limit on the  amount you can claim for individual items, which is normally between £1000 and  £2500. If you have individual items that are worth more than this, such as  jewellery, you will need to get them insured separately. Most insurers will  allow you to add more expensive items onto your policy which will mean your  premiums will be slightly higher but you won’t have the inconvenience of paying  for different items with different policies.

Can  I insure my contents when they’re not in my home?

Most insurers will allow you to insure the  things you own when you’re not in your home. For example, if you take your laptop  to work and it’s lost, stolen or damaged while you are out, you’ll still be able to claim for it. You can include things that you take out with you  regularly, such as a tablet, MP3 player or the contents of your wallet or  handbag, but always check with your insurer whether this is included in your  policy.

What if I’m on holiday?

Some contents insurance will cover your  possessions and the contents of your luggage when you are on holiday. Different  insurers will have different rules and regulations surrounding this so never  assume you are covered – always check with your insurers.

Where  can I find the best contents insurance calculator?

There are hundreds of different companies  who offer home contents calculators so the best option is to look around online  to find the calculator that you feel comfortable using. To get the most accurate  figure for the contents of your home go around each room and make a list of  everything contained within the,. Make sure you include everything you can and  don’t overlook things like pictures, picture frames, rugs, carpets and  occasional furniture.

Can I  cover a third party with my contents insurance?

Some insurers will allow you to insure  goods that are not in your home. For example, if you have children at university  you may be able to include any valuable items they have on your insurance.  However, every insurer differs so make sure you look for one that offers this  type of policy if you need it.

This guide will tell you exactly what you  need to do to save money on your gas bills so read on to find out how to compare prices and get the best deal on gas.

Before  you start your search

There are a few things you need to know  before you start your search to make sure any information you need to give is  as accurate as possible.

Firstly make sure you have the details of  your current supplier to hand, along with your postcode. Secondly find out  exactly how much you are paying for your gas each year and consider the payment  method you use.

To find out how much you are paying for gas  every year you can either check your online or paper bills and calculate what  your annual spend is, or you can contact your supplier directly and ask them to  review your bills. Once you have gathered all this information you are ready to  start your search.

Using  comparison sites

Comparison sites are fast becoming the most  popular way to search for services online and they can be very handy if used  correctly.

When you visit a comparison site you'll be  asked for information that's relevant to your search such as your current  supplier, where you live and how much gas you use every year. Provided your  answers are as accurate as possible the site should come up with a  comprehensive list of quotes from alternative suppliers.

Once you have your list of quotes, don’t be  tempted to automatically go for the cheapest option. Before you make a decision  you need to find out exactly what is included in the tariff being offered and  make sure that it meets your needs.

It's advisable to use a comparison site  that covers the whole UK market

Buying  online

As well as using the internet to find the  best deals, you can also save money if you choose to pay for your supply  online. Many companies also offer a discount if you manage your account on the  web too.

Managing your account online is often  quicker and easier than receiving paper bills and much cheaper for companies to  process, meaning they can pass that saving on to you.

Most people choose to pay their gas bill by  direct debit but as gas prices rise and fall regularly you may end up owing  your supplier more than the amount of the direct debit you have set up.

Monitor your gas usage to make sure you're  not over or under paying for your gas if you plan to pay by direct debit.

Fixed  Tariffs

Many providers offer fixed tariffs for gas  supply so you pay a fixed amount for a year. This means that if gas prices rise  you won't pay more, but if prices drop whilst you're on a fixed tariff you can  end up paying over the odds.

If you sign up for a fixed tariff and you  decide to switch to another supplier your current company is likely to charge  you to get out of your contract.

Regular  check ups

If you want to make the most of comparison  sites then check them every 6 to 9 months. Energy tariffs are constantly  changing and the only way to take full advantage is to make sure you're not  missing out.

You can change gas providers as many times  as you want to, although some companies will charge a penalty if you do this  once you have signed a contract.

In general it can take from between four  and six weeks for any changes to come into effect, so make sure you don't end  your contract with your current provider before your new one has started.

Save  energy

One of the most effective ways to save  money on your gas bill is by saving energy in your home. The more energy  efficient your home is the less gas you will need to use. So make sure that  your home is well insulated to keep the heat in. You can apply for a grant to  improve your home's insulation so check online to see if you qualify.

You can also monitor the amount of gas you  use with an energy meter which will show you how much you're spending on gas.  Getting an energy monitor will really help you think twice about the amount of  gas you use and you're much more likely to think twice about whether you need to  use your current levels of energy.

If you're considering home insurance and you want to find the best policy for you, then a good understanding of different types of home insurance policy is essential.

Buildings Insurance

Buildings insurance covers permanent fixtures and structures in your home and any surrounding land you may own. This includes things like walls, roofs and windows and may also cover fixtures such as sinks, toilets and fitted kitchens. Fences, outside walls and garages may also be covered in certain cases.

When choosing a policy, it's advisable to check carefully to see exactly what fixtures and structures you are covered for to avoid running into problems. You're not legally obligated to purchase buildings insurance if you own a home, but the majority of mortgage lenders will include obtaining buildings insurance as part of the stipulations laid out in the mortgage agreement, so it's very difficult to obtain a mortgage without purchasing buildings insurance.

Most mortgage brokers will offer policies when your mortgage is being arranged. However, it's always a good idea to get several quotes from different providers before you make a decision. It is also worth noting that you should ensure that your cover meets the cost to re-build your property.

Most buildings insurance policies will guard against:

• Damage from a vehicle impact
• Fallen branches and trees
• Bad weather and storms
• Objects falling from overhead aircraft
• Damage from vandalism
• Earthquakes
• Subsidence
• Fire
• Flood and water damage

When you take out buildings insurance, the price of your policy will be determined by a number of factors. The area you live in can have a large bearing on the situation. For example, if you live in a high-risk flood area your insurance will be more expensive.

It's very important to give insurers all the correct information when purchasing a policy or your insurance could later be deemed invalid. It also helps to know what your policy will not cover you for.

The majority of policies will not protect your home against:

• Terrorism
• Pollution (this can include damage caused by living near the sea)
• War
• Aircraft pressure waves
• Radioactive contamination

However, it is possible to find specialist insurers who will offer policies that cover events such as these. Some companies will also offer more comprehensive cover for things like paying for alternative accommodation if you need to leave your home due to damage.

The excess you choose

As with any insurance policy, when you purchase home insurance you agree the excess you are willing to pay if you need to make a claim. The larger the excess you agree to is, the smaller your monthly premiums will be.

Although it can be tempting to choose the highest excess in order to reduce the cost of your policy, make sure you would actually be able to afford to make up the difference if you need to pay for repairs or replacements.

Contents Insurance

Contents insurance is not a mandatory obligation if you have a mortgage, but most home owners tend to purchase some form of contents insurance along with their buildings insurance.

If you are renting a property then buildings insurance is the responsibility of your landlord, however contents insurance is something you may wish to consider purchasing. With most homes full of expensive items like fridges, laptops and tablets, the combined value of the contents soon adds up.

A number of things can be covered by contents insurance, so it's always a good idea to check policies carefully so you know exactly which items you're insuring. Most types of contents insurance will cover:

• Electronic and entertainment equipment such as games consoles, TV's and laptops
• Large furniture like cabinets and couches
• CD's, books and clothing
• Soft furnishings like curtains and floor coverings such as carpet or lino

Many buildings/contents insurance policies will also offer insurance against loss, theft or damage to things outside your home, such as bikes or the contents of your shed. You can also purchase insurance for any valuables you may carry when away from home such as a tablet, the contents of your handbag or briefcase or the luggage you take with you are on holiday.

Standard insurers often set a limit on the amount they will insure individual items for. Many people who own expensive belongings like art work, jewellery or antiques often insure them separately. Always read the small print on any policy and make sure you know exactly what you're covered for.

Home Emergency Cover

Home emergency cover is another policy option that you may wish to consider. This can cover for issues such as roof damage that affects the general security of your home or makes it vulnerable to flooding. It can also cover you for issues such as the removal of wasp/hornet nests as well as damage to doors, locks and windows which may have an impact on the security of the house.

The Excess you choose

The excess you choose should be a manageable figure that you can afford to pay if necessary and a larger excess will reduce your premiums. You can also reduce the amount you pay each month by building up a no claims bonus so it can be wise to avoid making claims where possible and paying for any minor damage or replacements yourself.

New for old policies

Several insurers offer policies whereby if an older item is lost, stolen or damaged the company will replace it with a new one but policies that include this are usually more expensive. When purchasing contents insurance, you may wish to take a careful inventory of everything in your home and work out how much it would cost to replace each item.

Always inform your insurers of exactly what's in your home or you could be rejected if you need to make a claim, and make sure you have read your policy carefully so you know what you're covered for.

In the UK we've been free to switch energy suppliers since competition rules were introduced in 1999. The process can be much easier and quicker than many people think and you could start saving money on your gas and electricity bills right away. Energy regulator Ofgem has said that customers who don't shop around for their energy could end up paying at least £100 a year more than they need to.

Do your own research

It can be difficult to come to the right decision when being given a hard sell and without access to all the relevant information. By taking the time to look into different deals yourself you can come to the right decision and hopefully find a tariff that will genuinely save you money.

Price comparison websites

You can use a price comparison website, such as Asda Energy Compare and Save, to compare all energy suppliers. Before making a switch, check if your existing tariff requires a cancellation fee. If it does you will have to pay this along with your final bill or wait until your tariff period comes to an end.

Many consumers can feel overwhelmed by the process of calculating an energy bill and choosing the right supplier, and may wish to discuss the situation with an expert. Calling the Asda Energy Compare and Save call centre could be the answer.

Find out your usage

There are many different tariffs available. Deciding which one is right for you might depend on how much gas and electricity you use on a daily basis.

Consumption can vary greatly depending on the time of year and other factors. If you've recently had your home insulated, for example, or changed from a gas to an electric cooker, this can have a bearing on your recent energy usage. Look at your usage over an entire year or even more if you've kept the bills or have access to your records online. Bills with actual readings will give you a more accurate picture than estimates. Alternatively, you can easily obtain your annual usage from your energy supplier.

What tariffs are available?

Standard: This is generally the most expensive option available, and most suppliers will have their own specific one.

Online/paperless billing: These are generally the cheapest tariffs available on the market. You will receive your bills online rather than a paper bill. You will also manage your account online, e.g. provide accurate meter readings making sure you pay for what you use (no estimated bills). You can still call your supplier should you need to.

Discounted: Energy suppliers will sometimes offer discounted tariffs to acquire you as a customer. These are generally a few percentage points cheaper than a supplier’s standard tariff.

Fixed: Fixed price tariffs may be more expensive than other tariffs in general, but they are guaranteed not to increase or decrease during the term of the contract. There likely to be a penalty if you wish to leave before the end of the agreed term, but in an age when prices appear to be subject to regular change this may be seen as a safe option by many.

Capped: This is similar to the fixed option in most ways. However, if there is a reduction in energy costs then a capped price can potentially come down, but it will definitely not increase above the capped rate during the entire term of the contract.

Green: With this option the electricity is sourced from renewable sources such as wind power or hydro power, for example. If you also use gas, some green tariffs will also off-set your CO2 emission.

Are there any hidden charges?

Some suppliers may add a daily standing charge to your fuel bill. The presence of a standing charge may not mean a worse deal as the unit cost for gas and electricity used may be cheaper.

You should also check whether any price or rate quoted includes VAT (value added tax). VAT on gas and electricity for domestic and residential use is currently charged at the reduced VAT rate of 5%.

Most energy comparison providers will not charge you to use the service, they receive a small commission from the energy supplier for providing the service. It is also worth noting that this doesn’t affect what you pay and the tariff prices quoted on a comparison site are exactly the same as those you would find on a supplier’s site.

Methods of payment

Most suppliers offer a variety of payment methods and schedules. These may include quarterly or monthly bills that can be cash, cheque, postal order or online banking. There may also be options for prepayment meters. Suppliers will often offer a discount or special tariff for customers paying by monthly Direct Debit and for those who manage their accounts online with paperless billing. Check all the options offered by a potential new supplier in order to make the right decision for you.

If you already have a prepayment meter you will need to have it changed to a credit meter. Some suppliers may charge for this but many will do it for free as long as you pass the relevant credit checks. If you are used to using a prepayment meter you should be prepared to budget for your new method of payment.

What if I owe money to my current supplier?

If your account is in debit you may not be able to switch to a new energy supplier until you have paid your current supplier what you owe. This usually only applies if you owe the company £100 or more.

You should remember that you will still have to pay your final bill, however much you owe. If you pay by Direct Debit or Standing Order then your final bill may be more than your regular monthly payment. This is because your annual usage is averaged out for monthly payments and might not match your actual usage exactly. On the other hand, you might even find that you've overpaid and your supplier owes you some money.

Don't forget to take your own final reading when you switch suppliers, generally your new supplier will prompt you to do this and make sure it matches your final bill.

Once you have made a decision to switch, your new supplier will arrange everything else. The new supplier will send a welcome pack approximately 2 weeks into the entire switching process. This will include information on things like terms and conditions, tariff details and the expected live date.

If you own a property then your mortgage provider will require you to have buildings insurance. It can be a good idea to take out contents insurance in conjunction with your buildings insurance, but you can take out a separate policy if you wish to.

What is covered by my contents insurance?

Contents insurance covers anything that is not part of the structure of your home and can include clothing, valuables, carpets, curtains, electrical items, white goods and can even cover the contents of your freezer.

You can also pay an additional cost to cover some of your valuables when they are not in your home such as a laptop that you take to work, bicycles that are left outside, the contents of your purse, wallet or handbag, the things you keep in your garden shed and your credit cards and luggage when travelling. However, most policies will only cover the basics when travelling abroad, so it can be wise to take out traditional travel insurance for the things you plan to take on holiday with you.

If you have a wedding coming up or in the weeks immediately leading up to Christmas, some insurers will offer an automatic increase for any claim you make.

Most insurance policies will cover a basic set of eventualities but you can add extra things to your policy. For example, if you have pets you can insure against any damage they may cause. Adding extra cover to your policy will increase your premium, so think carefully about the type of cover you need.

Most contents insurance will automatically cover your possessions against damage caused by fire, flooding and earthquakes and will also protect you against vandalism and theft. Your insurer may also pay for your locks to be replaced if your house keys are stolen or lost, but this may not be included in your basic policy.

What is not covered by contents insurance?

When choosing contents insurance, it always pays to read the small print to ascertain exactly what is and isn't covered by your policy. In most cases, things like wilful damage of property, damage caused by DIY or losing an item when you are a certain distance away from your property won't be covered. If you have very expensive items such as antiques, art works or valuable jewellery, you may be required to take out extra insurance to cover these.

Do I need to pay excess on my home insurance?

Most contents insurers will require you to pay an excess on any claims that you make, but the amount you pay will vary depending on the insurer. You can also reduce the cost of your insurance by building up your no claims bonus as you do with car insurance.

What additional options can I take out with my contents insurance?

You can take out extensions on the cover you have for certain items. For example, most insurers will cover things like jewellery or DVD and CD collections up to a certain amount, but if what you have is worth more than that amount you can take out an extension to cover the balance.

Can I insure against household emergencies?

Many insurers offer policies that will pay for household emergencies and things like boiler repair, sometimes this is included in your home insurance. When you choose this type of cover you can get essential items like central heating and boilers fixed and get an emergency response for things like burst pipes, broken boilers, roof damage, broken windows or lock replacements in your home.

Can I get contents insurance if I am a student?

If you live in student accommodation then your buildings insurance will be covered by your landlord, but your contents insurance won't be. It's possible to take out your own contents insurance or add your contents to a parent’s policy to cover any expensive items you may have. It can be sensible to take out contents insurance if you live in student accommodation as your home could be at greater risk of burglary due to things like shared entrances.

Whatever type of contents insurance you choose, make sure you read all the small print and understand exactly what is covered by your insurance.

They key to solving this conundrum is to weigh up the individual needs of your pet against what is available on the market. Hopefully the following guide will help you to make a decision which is the right one for both you and your pet.

Which type of pet insurance should I choose?

Before you explore pet insurance, you need to understand your pet. Different animals and breeds are susceptible to different conditions, so if you're not sure about your pet, look for a pet advice guide online or ask your vet what medical problems your pet is likely to come up against.

Annual Cover

Annual cover will insure your pet for a year and is generally paid monthly. It's worth noting that some companies will require payment every 28 days, whilst others will require you to pay once a month. This type of insurance will cover you for a wide range of things, but if your pet is receiving ongoing treatment and your policy runs out then you won’t be able to continue to claim.

Although it's less common, it's also possible to get insurance for younger and older pets. Most companies will not insure animals under eight weeks or over eight years old. So, if you have a pet that doesn't fall within this age bracket you will need specialist insurance. Insurance for younger pets can be very useful if, for example, you own a very expensive breed of dog.

What else does pet insurance cover?

Most pet insurance policies cover a number of other things, as well as medical treatments. Some policies will allow you to claim if you need to cancel a holiday due to an ill pet. You may also be able to claim for kennels while you are away.

The majority of policies will also allow you to claim if your pet is lost and you need to advertise or offer a reward. A policy should also include third party liability so you can claim if your pet causes someone to have an accident or causes damage to property.

What is excluded from pet insurance?

In most cases, things like dental treatment, vaccinations, spaying and grooming are not included within pet insurance, so it’s best to check your policy.

The majority of basic policies will cover:

• Ear infections
• Removing swallowed objects
• Cuts and lacerations
• Lameness
• Gastroenteritis
• Tumours
• Cysts
• Bites
• Abscesses
• Road traffic accidents

Some of the added extras you can insure against are:

• Hydrotherapy
• Behavioural therapy
• Physiotherapy
• Dental work
• Treatment from a nutritionist

What if I want to take my pet abroad?

If you're visiting a country that's part of the Pet Travel Scheme you can take your pet without having to put it into quarantine, as long as you abide by the rules set out. Some companies will offer travel insurance for pets as standard, whilst others will offer it as an add-on.

How can I cut the costs of pet insurance?

The cheapest policy may not always be the best option for you and your pet, so always take time to shop around and find a policy that includes everything you need.

You can check price comparison sites to find different pet insurance deals and you'll also be able to look for specific types of pet insurance over and above basic cover.

Many insurance companies will also offer a discount if you buy your insurance online, so look for a company that does this.

Once you've decided on your insurance type, you can generally make a saving if you pay for your policy in a lump sum rather than paying in increments.

You can also save money by building up your no claims bonus, so it's always advisable to pay for smaller treatments yourself to help reduce your premiums over time.

In addition, you can make your premiums smaller by increasing the excess you're willing to pay. When you make a claim, your insurance company will pay for a certain amount and you will be required to pay the excess. Although increasing your excess can be an effective way of reducing your premiums, you must ensure that you can really afford to pay the difference if you need to.

Can I insure my kitten?

The majority of insurers will only insure a pet once it has reached eight weeks old, so you may find it difficult to insure your kitten before then.

Kittens and cats can take a lot more looking after than you may think, which means the cost of keeping them healthy can soon add up.

If you own a kitten you're under no obligation to purchase kitten insurance, but many owners choose to purchase a cat insurance policy to help pay for things like veterinary fees.

There are lots of different types of pet insurance available, so if you want the security of knowing you'll be able to afford to keep your favourite pet healthy and happy then take a look at our guide to choosing cat insurance:

What does kitten insurance cover?

Most pet insurance policies will cover a number of things, but each policy is different so always get to know your policy so that you know exactly what you can and cannot claim for. Most basic policies will insure for:

• Veterinary fees if your cat has an illness or injury
• Boarding fees or cat-sitting costs if you have to go into hospital
• A reward and advertising if your cat goes missing or is stolen
• A refund of the cost of buying your cat if it dies due to illness or injury
• A refund of the cost of buying your cat if it's lost or stolen

However, there are lots of other things you can insure against, but you will be required to pay extra for these by your insurance company. Some common extras that people choose to insure against are:

• Dental treatment
• Nutritional advice and treatment
• Behavioural treatment
• Alternative treatments like acupuncture

Any policy you consider purchasing should make clear what a basic premium covers and let you know what extras you can choose to purchase.

How do I pay for kitten insurance?

When deciding what the best way to pay for kitten insurance is, it is important to get as much information as possible from your local veterinary service.

Some insurers require monthly payments and some take payment every 28 days, so find out which method your insurance company uses as your premiums could end up costing more than you expected.

One of the main drawbacks of annual cover is that if your cat is receiving ongoing treatment and your policy runs out, you'll no longer be able to make a claim.

When you purchase a kitten, make sure you ask your vet for kitten advice to find out if the breed you've chosen is likely to suffer from any congenital or progressive conditions so you know which specific conditions you may want to insure for.

Will I need to pay an excess?

All insurers will require you to pay an excess when any treatment is carried out. This is normally around £50, but you can choose to increase your excess to reduce your premiums just as you can with any type of insurance.

Increasing your excess can dramatically reduce the cost of your premiums, but make sure you are able to afford the extra expense or you could find yourself in a situation where you can't afford to pay for treatment.

How can I find the right kitten insurance for me?

These days, most people turn to the internet when searching for insurance and it can be a very useful resource for learning about what's out there.

You can use price comparison sites to find lots of different deals quickly and you'll also be able to narrow down your search to look for companies that offer the things you need.

You can also ask your vet for advice about specialist kitten insurance or ask friends and family which type of policy they have. Gathering as much information as possible in this manner will help you to make an informed decision which is the right one for both you and your kitten.

What does buildings insurance cover?

Buildings insurance covers damage or destruction caused to the structure of your house. Some buildings insurance policies also cover permanent fixtures in your home such as fitted bathrooms, fitted kitchens and built-in cupboards. Outbuildings such as sheds and greenhouses may also be covered, depending on the individual policy.

Policies usually cover damage caused by a set list of circumstances and eventualities. These usually include such things as: Fire, storm and flood, lightning, explosion and earthquake, subsidence, heave and landslip, riot and vandalism, theft, falling trees and impact by animals and vehicles.

Some buildings insurance policies may also include a level of liability for injury to individuals or damage to their property and the cost of accommodation should you need to leave your home while repairs are carried out.

Damage due to wear and tear is not usually included and most policies also have other exclusions built in.

What are exclusions and extensions?

Exclusions are situations or circumstances that are not covered by the buildings insurance. Common exclusions can include losses arising from war, acts of terrorism, frost damage to outside pipes, damage from aircraft pressure waves and radioactive contamination from nuclear fuel or waste.

There may also be further specific exclusions depending on the policy. These could range from something like storm damage to fences or there could be a clause invalidating the cover if the building is left unoccupied for a specified number of days per year. Some policies also exclude damage caused when carrying out DIY. As with any insurance policy, the details in the small print are extremely important.

Extensions are the extra areas of cover that can be added to your policy. Many insurers will be happy to discuss any individual needs that are not covered in a standard policy.

Buildings insurance policies normally also have an excess. This is the amount of any individual claim that you have to pay yourself. This could be, for example, the first £100 of each claim but the excess may be higher for certain circumstances such as damage caused by subsidence, heave and landslip.

What's the difference between buildings insurance and contents insurance?

Buildings insurance typically covers the permanent structures and sometimes the permanent fixtures of the building. Contents insurance covers the contents of your home – anything from electrical equipment to furniture to personal items and belongings. Contents insurance typically covers the contents against most of the same risks as buildings insurance (such as fire, flood and earthquake) as well as theft and sometimes accidental damage.

Depending on any extensions or extra cover built into your buildings insurance, there may be a certain amount of overlap between buildings and content cover.

Is buildings insurance compulsory?

Buildings insurance is not compulsory, but most lenders will insist you have adequate cover in place before agreeing a mortgage. Some lenders may offer buildings insurance alongside a mortgage, but you are not obliged to take a particular policy as long as you have adequate cover. Many home buyers prefer to shop around to find the best policy for them.

Tenants do not usually need buildings insurance as this is the landlord's responsibility. Some landlords may insist that a tenant takes out tenant's liability insurance, however, which covers for damage caused to the property by the tenant. Many tenants will also take out their own contents insurance.

What precautions should I take?

Policyholders are generally required to mitigate their losses by taking action to prevent or minimise damage. In practical terms, this may involve such things as informing your insurers as soon as you spot structural damage or signs of subsidence, so that the situation can be assessed and dealt with as soon as possible.

If your house is used for business purposes the insurer may consider this an extra risk when calculating your premium, especially if you keep certain types of equipment or materials on the premises.

How much is insured?

It's important to note that buildings insurance is usually supposed to cover the cost of completely rebuilding your house. This is not necessarily the same as the market value of the house.

Some insurers offer unlimited cover, which means the full costs of rebuilding your house will be met should the worst happen. Others will cover a set amount based on an estimate for the cost of rebuilding. This will take into account the size, type and age of the house, as well as the area in which it is situated. You can have an individual assessment carried out yourself by a chartered surveyor or do a calculation yourself based on a standard property of a given type.

Can I build up a no claims discount?

Some policies allow you to build up a no claims discount, also known as a no claims bonus, in much the same way as you can for car insurance. This is a discount applied to your premium that builds up to a maximum amount if you don't make a claim for a set period of time.

Tips for your moving day

As soon as contracts have been exchanged you should decide on your moving date. Most people choose to move on their completion date, but if you want to move after this date, there’s no reason why you can’t negotiate with whomever you’re buying your house from.

Avoid bank holidays, weekends and Fridays, when removal firms tend to be at their busiest and can charge a premium for their time. Choose an off peak time such as the middle of the week instead.

Make sure you feel confident about the removals company you choose. You can either ask friends and family for recommendations or consult the national Guild of Removers and Storers (NGRS) or the British Association of Removers (BAR) to find reliable firms in your area.

Who to tell if you’re moving

When you move there are various people that you need to keep informed. Make sure you let all of the following people know before you move:

• Your TV license doesn’t move with you so you need to inform the TV Licensing company of your new address. You can do this by calling them directly or online
• Make sure you inform your building society, bank and pension provider if you have one. You should also tell any company that you’ve taken out a loan with and make sure to change your address on any store cards you have
• Inform the Inland Revenue and your local council so that council tax bills can be sent to the right address
• If you have any subscriptions then make sure you inform the companies you are subscribing with
• You should always give your employers your new address before you move
• If you have children make sure their schools know your new address too
• You will also need to update your driving licence and vehicle registration to include your new address
• Inform your gas and electricity company of the day you are moving to ensure you don’t end up getting charged for power you’re not using
• You will need to set up insurance on your new property as well as informing providers of your new address for any existing policies that you have in place

Packing Tips

Having to pack up your belongings can often be the most stressful and time consuming part of a move, but if you keep organised and give yourself plenty of time then you can take the stress out of packing.

Decluttering

Before you pack anything make sure you take time to clear your home of any items you no longer need or want. Decluttering is a great way to reduce the amount of packing you need to do and will help you feel more organised when you move into your new home. You can start decluttering well before your move, so when the big day arrives you’ll be ready to go.

Sort through all your possessions and split them into the things you want to keep, things you can sell, things for charity and things to throw away.

Once you begin decluttering your home you’ll be amazed at just how much you can get rid of. Decluttering will also mean you’ll be able to start life in your new home feeling free and unburdened.

Packing

Make sure that you have plenty of strong boxes, tape and protective packaging like bubble wrap before you start packing and always include more than you’ll think you need to cover contingencies. That way you won’t get left in the lurch when you suddenly realise you’ve run out of boxes.

You can start your major packing a week or more before you move if you’re careful about what you pack. Look for items that aren’t in everyday use such as ornaments, crockery and books and get them packed away. That way you will only need to pack the essentials on the night before or the day of your move which will be far easier and less time consuming than packing everything at once.

Preparing for your moving day

Before you move, make sure that your possessions are properly insured. Most removal companies will provide some form of insurance but there may be exclusions, such as antiques or valuable art, so find out what’s covered before your moving day.

If possible, arrange for young children and pets to be looked after on the day of your move as you will need to concentrate all of your efforts on moving. This can be very difficult with children and pets in tow.

When moving into a new home, one thing that can really help is if the previous owners have left instructions for all the essentials such as when rubbish is collected, if there is recycling in the street and instructions on how to work boilers, turn water off and on and any other information that may be useful. If you can find the time to do this for the new owners of your home it will be much appreciated.

Make sure you’ve gathered all the keys to your property including any spare keys that have been left with family or neighbours and hand them over to your estate agent.

Finally, create an inventory of everything that is moving, inform the Post Office so that your mail can be redirected and cancel newspaper and milk deliveries if you have them.

If you stick to the checklist and give yourself plenty of time you can make moving easy and stress free so you arrive in your new home refreshed and ready to start your new life.

If you’re thinking of getting into DIY then it’s essential that you have the right tools in your DIY kit. Read on to find out which tools you need to get started on your DIY project.

The basic tool kit

First and foremost you’ll need somewhere to store your tools. Don’t be tempted to shove all your tools into a bag, it’s much better to keep them organised with a proper tool box. T

here are lots of different tool boxes available but make sure you choose one with plenty of storage compartments so that you can separate all your tools and find them easily when you need them. Once your tool box is ready you can start collecting the essential tools you need.

Claw hammer

A good quality claw hammer is essential for driving in or removing nails. A light-weight claw hammer will work for most jobs and will be easier to use than a heavier model.

Cordless drill

Electric drills make life so much easier for DIY enthusiasts because they take the physical effort out of drilling holes and putting screws in place.

Cordless drills are more expensive than electric drills with cords but they are a lot easier to use and can help with any number of jobs, including driving screws and stirring paint or sand. Opt for a drill with an 8.5 volt battery and keep a spare battery to hand so you won’t have to stop in the middle of a job to recharge.

Screwdrivers

Without screwdrivers, many DIY tasks are practically impossible. You will need at least two screwdrivers, one with a long handle and one with a short handle. You’ll also need a flat head and a slotted head or Phillips head screwdriver for different types of screws. It’s possible to buy screwdrivers with interchanging heads but make sure if you choose this option that you pick a good quality tool that secures different screw heads efficiently.

Allen key

An Allen key is an L shaped tool that can be used to tighten bolts. Allen keys are useful for things like tightening towel bars, tap handles and for putting together flat pack furniture.

Pliers

Many DIY enthusiasts make the mistake of overfilling their tool boxes with different versions of the same tool, but you can do most jobs with one pair of self-adjusting pliers. Pliers can be used to remove nails, tighten nuts and bolts or for clamping.

Hand Saw

If you’ve got a huge woodworking project planned then an electric power saw will probably be a better option for you, but for odd jobs a hand saw is fine. Choose a crosscut saw that’s at least 22 inches to get the most use out of it.

Tape Measure

A tape measure is an absolute essential as DIY is all about accurate measuring. Choose a push pull tape measure that retracts automatically for ease of use.

Spirit Level

If you want to ensure that your DIY measurements are as accurate as possible you can use a spirit level, which are around 9 inches long and contain a vial of liquid with an air bubble that you can use to make sure your lines are straight. Many professionals now use laser levels instead of spirit levels so if you plan to take on several jobs it may be worth investing in one of these.

Bits and Bobs

One of the most irritating things about doing DIY is running out of the things you need, or simply not having them in the first place. As well as your essential tools, make sure your tool kit is stocked with a few other essentials so you don’t end up having to make a trip to the DIY store at an inopportune moment.

Include a selection of different sized nails and screws, wood glue, nail glue, masking tape and rawlplugs so you have everything you need to complete a DIY job.

Planning

Before you start on any DIY job make sure you plan what you are going to do carefully. If the job involves a skill you haven’t used before then take the time to practise and learn the skill before you start. This will ensure that you don’t end up making mistakes that you could have avoided.

If you’re not sure where to start with a job try looking for tuition videos online that can take you through a job step by step or find a book which covers the most common DIY tasks.

If you decide you want to take on more complex tasks such as plastering, then consider taking a course to get your skills up to scratch. It is also worth checking your home insurance policy before taking on any tasks such as those mentioned above.

There are certain jobs within the home that need to be carried out by a fully qualified professional, such as rewiring. If you’re unsure, find out if you’re legally allowed to carry out a job before you start.

However, there are plenty of things that you can do to keep the cost of your insurance down. Take a look at our guide to finding cheap home insurance to ensure that you get the most for your money.

Do I need buildings and contents insurance?

In the UK there is no legal requirement for you to have any type of home insurance. However, the majority of mortgage providers will insist that you have buildings insurance before they agree to give you a loan. The chances are that if you have a mortgage on your home you will have to purchase some form of home insurance.

The two main types of home insurance are buildings insurance and contents insurance. Buildings insurance will cover the structure of your home, including walls, your roof and windows; whereas contents insurance will cover the belongings you have within your home.

Whether you want to get both types of insurance really depends on whether you would want to claim for any of your belongings if they were lost, stolen or damaged.

Many people don’t realise that they have thousands of pounds tied up in the possessions they own and it’s only when the worst happens and possessions are lost that they realise just how much money they have lost as well.

Contents insurance can cover things like electrical items, computers, clothes, soft furnishings and even the contents of your freezer, so if you want to protect these kinds of items then you will need contents insurance.

Contents insurance is not necessarily something that people immediately consider when they move into a property. However, over the course of our lifetime we will accumulate a vast amount of possessions and it is once this occurs that we will realise the true value of such a policy.

How much should I spend on buildings insurance?

In general, any insurance premium you purchase should be enough to cover the cost of rebuilding your home if it was completely destroyed. This figure will of course vary depending on the value of your home.

You can find out the estimated cost of rebuild, which is often lower than the value of your home, on your mortgage agreement. Or you can look for an insurer that provides an online calculator to help you work out the costs yourself.

Should I choose unlimited cover?

Some insurers will offer unlimited cover which means they’ll pay out no matter what the cost. However, this type of insurance comes at a premium so if you want the cheapest option it may not be the best choice.

It’s also recommended to re-evaluate how much your home is worth on a regular basis to ensure that you are not paying too much or too little for your insurance premiums.

How do I calculate my contents insurance?

In general, contents insurance will guard your goods against theft, loss or damage caused by flooding, fire, storms, leaks, explosions and earthquakes. It’s always a good idea to check the small print of your contents insurance thoroughly as you could find you are paying for protection against all sorts of things that are very unlikely to occur, such as forest fires.

To calculate the value of the contents of your home accurately make an inventory of all your possessions, including things like white goods, furniture, clothing and jewellery. Also include any goods you have stored in your attic, shed or garage (apart from your car) and carpets and curtains.

Once you’ve made an inventory of everything you’ve got you’ll be able to give your insurer an accurate figure for the contents of your home, which means if you do need to make a claim you’ll know that all your possessions have been covered.

Most insurers will place a limit on the amount they will pay out for single items so find out what this is and if you have possessions that are worth more then it could be a good idea to insure them separately.

If you're considering home insurance and you want to find the best policy for you, then a good understanding of different types of home insurance policy is essential.

Buildings Insurance

Buildings insurance covers permanent fixtures and structures in your home and any surrounding land you may own. This includes things like walls, roofs and windows and may also cover fixtures such as sinks, toilets and fitted kitchens. Fences, outside walls and garages may also be covered in certain cases.

When choosing a policy, it's advisable to check carefully to see exactly what fixtures and structures you are covered for to avoid running into problems. You're not legally obligated to purchase buildings insurance if you own a home, but the majority of mortgage lenders will include obtaining buildings insurance as part of the stipulations laid out in the mortgage agreement, so it's very difficult to obtain a mortgage without purchasing buildings insurance.

Most mortgage brokers will offer policies when your mortgage is being arranged. However, it's always a good idea to get several quotes from different providers before you make a decision. It is also worth noting that you should ensure that your cover meets the cost to re-build your property.

Most buildings insurance policies will guard against:

• Damage from a vehicle impact
• Fallen branches and trees
• Bad weather and storms
• Objects falling from overhead aircraft
• Damage from vandalism
• Earthquakes
• Subsidence
• Fire
• Flood and water damage

When you take out buildings insurance, the price of your policy will be determined by a number of factors. The area you live in can have a large bearing on the situation. For example, if you live in a high-risk flood area your insurance will be more expensive.

It's very important to give insurers all the correct information when purchasing a policy or your insurance could later be deemed invalid. It also helps to know what your policy will not cover you for.

The majority of policies will not protect your home against:

• Terrorism
• Pollution (this can include damage caused by living near the sea)
• War
• Aircraft pressure waves
• Radioactive contamination

However, it is possible to find specialist insurers who will offer policies that cover events such as these. Some companies will also offer more comprehensive cover for things like paying for alternative accommodation if you need to leave your home due to damage.

The excess you choose

As with any insurance policy, when you purchase home insurance you agree the excess you are willing to pay if you need to make a claim. The larger the excess you agree to is, the smaller your monthly premiums will be.

Although it can be tempting to choose the highest excess in order to reduce the cost of your policy, make sure you would actually be able to afford to make up the difference if you need to pay for repairs or replacements.

Contents Insurance

Contents insurance is not a mandatory obligation if you have a mortgage, but most home owners tend to purchase some form of contents insurance along with their buildings insurance.

If you are renting a property then buildings insurance is the responsibility of your landlord, however contents insurance is something you may wish to consider purchasing. With most homes full of expensive items like fridges, laptops and tablets, the combined value of the contents soon adds up.

A number of things can be covered by contents insurance, so it's always a good idea to check policies carefully so you know exactly which items you're insuring. Most types of contents insurance will cover:

• Electronic and entertainment equipment such as games consoles, TV's and laptops
• Large furniture like cabinets and couches
• CD's, books and clothing
• Soft furnishings like curtains and floor coverings such as carpet or lino

Many buildings/contents insurance policies will also offer insurance against loss, theft or damage to things outside your home, such as bikes or the contents of your shed. You can also purchase insurance for any valuables you may carry when away from home such as a tablet, the contents of your handbag or briefcase or the luggage you take with you are on holiday.

Standard insurers often set a limit on the amount they will insure individual items for. Many people who own expensive belongings like art work, jewellery or antiques often insure them separately. Always read the small print on any policy and make sure you know exactly what you're covered for.

Home Emergency Cover

Home emergency cover is another policy option that you may wish to consider. This can cover for issues such as roof damage that affects the general security of your home or makes it vulnerable to flooding. It can also cover you for issues such as the removal of wasp/hornet nests as well as damage to doors, locks and windows which may have an impact on the security of the house.

The Excess you choose

The excess you choose should be a manageable figure that you can afford to pay if necessary and a larger excess will reduce your premiums. You can also reduce the amount you pay each month by building up a no claims bonus so it can be wise to avoid making claims where possible and paying for any minor damage or replacements yourself.

New for old policies

Several insurers offer policies whereby if an older item is lost, stolen or damaged the company will replace it with a new one but policies that include this are usually more expensive. When purchasing contents insurance, you may wish to take a careful inventory of everything in your home and work out how much it would cost to replace each item.

Always inform your insurers of exactly what's in your home or you could be rejected if you need to make a claim, and make sure you have read your policy carefully so you know what you're covered for.

But if you know how, you can compare electricity prices quickly and easily and ensure that you're not losing out. Read our guide to comparing electricity prices and learn everything you need to know to get great electricity deals and save money.

How to use energy comparison sites

A good electricity comparison site will make it easy for users to find what they need. To find the best quotes, you'll need to enter all the information you're asked for as accurately as possible.

When you narrow down your search as much as possible the quotes returned will be suited to your particular needs.

Compare prices regularly

Electricity companies are constantly changing their tariffs which means the deal you had a year ago may have gone up in price or that their may be cheaper deals that weren't available when you signed up with your electricity company.

To get the most out of your electricity bill check comparison sites once every six to nine months to make sure you are aware of any changes to tariffs or special offers.

In some cases energy companies will introduce cheaper tariffs for new customers but they won’t pass on the savings to existing clients. Checking comparison sites will allow you to monitor changes taking place with your current provider.

Cheaper is not necessarily better

When you view a list of quotes in price order it can be tempting to choose the cheapest option, but when using comparison sites it's vitally important to find out exactly what is included in any quote as you may find that a cheaper tariff doesn't provide you with everything you need.

Bear in mind that although comparison sites are regulated some are sponsored by individual companies so may not present wholly unbiased information.

Choosing the best electricity deal

When choosing a supplier take into account how you want to pay and get your bills. Many suppliers offer discounts for buying online and will offer further money off if you manage your account online too. Make sure you take full advantage of any offers like this when finding a supplier.

You can also save money by choosing a fixed energy tariff which works in much the same way as a fixed mortgage rate. This means the cost of your electricity bills will be fixed at a certain amount until a specified date.

Although customers who choose this option will pay a premium it's possible to make significant savings if energy prices rise.

However, it's not advisable to choose a fixed tariff if energy prices are dropping as you could end up paying more than the average.

Keeping your tariff low

Once you've chosen your energy supplier there are things you can do to ensure you don't get into debt and maintain manageable energy bills. It can be easy to find yourself running up a debt. Often when customers pay by direct debit their monthly bill may rise but their direct debit amount will stay the same so you end up owing the energy company money.

Check your direct debit regularly and make sure it is in line with the price of the energy you are using. If you find you are paying too much or too little then contact your energy supplier and explain that you want to change your debit amount.

You can also run into trouble if you don't read your meter regularly as the energy company will calculate an estimated reading which may be less than your annual consumption, so you will end up having to make up the difference.

Most energy companies now allow you to input the information from your meter reading online so you get the most accurate bill possible and you won't end up over or under paying.

The most effective way to keep your bills manageable is to monitor the amount of energy you use. It's now possible to buy energy monitors which will show you how much you are spending each time you use power.

When you can see how much using your hairdryer, leaving lights on unnecessarily or running the washing machine is costing you, you're much more likely to think about whether you really need to use that energy.

This guide will tell you exactly what you need to do to save money on your gas bills so read on to find out how to compare prices and get the best deal on gas.

Before you start your search

There are a few things you need to know before you start your search to make sure any information you need to give is as accurate as possible.

Firstly make sure you have the details of your current supplier to hand, along with your postcode. Secondly find out exactly how much you are paying for your gas each year and consider the payment method you use.

To find out how much you are paying for gas every year you can either check your online or paper bills and calculate what your annual spend is, or you can contact your supplier directly and ask them to review your bills. Once you have gathered all this information you are ready to start your search.

Using comparison sites

Comparison sites are fast becoming the most popular way to search for services online and they can be very handy if used correctly.

When you visit a comparison site you'll be asked for information that's relevant to your search such as your current supplier, where you live and how much gas you use every year. Provided your answers are as accurate as possible the site should come up with a comprehensive list of quotes from alternative suppliers.

Once you have your list of quotes, don’t be tempted to automatically go for the cheapest option. Before you make a decision you need to find out exactly what is included in the tariff being offered and make sure that it meets your needs.

It's advisable to use a comparison site that covers the whole UK market

Buying online

As well as using the internet to find the best deals, you can also save money if you choose to pay for your supply online. Many companies also offer a discount if you manage your account on the web too.

Managing your account online is often quicker and easier than receiving paper bills and much cheaper for companies to process, meaning they can pass that saving on to you.

Most people choose to pay their gas bill by direct debit but as gas prices rise and fall regularly you may end up owing your supplier more than the amount of the direct debit you have set up.

Monitor your gas usage to make sure you're not over or under paying for your gas if you plan to pay by direct debit.

Fixed Tariffs

Many providers offer fixed tariffs for gas supply so you pay a fixed amount for a year. This means that if gas prices rise you won't pay more, but if prices drop whilst you're on a fixed tariff you can end up paying over the odds.

If you sign up for a fixed tariff and you decide to switch to another supplier your current company is likely to charge you to get out of your contract.

Regular check ups

If you want to make the most of comparison sites then check them every 6 to 9 months. Energy tariffs are constantly changing and the only way to take full advantage is to make sure you're not missing out.

You can change gas providers as many times as you want to, although some companies will charge a penalty if you do this once you have signed a contract.

In general it can take from between four and six weeks for any changes to come into effect, so make sure you don't end your contract with your current provider before your new one has started.

Save energy

One of the most effective ways to save money on your gas bill is by saving energy in your home. The more energy efficient your home is the less gas you will need to use. So make sure that your home is well insulated to keep the heat in. You can apply for a grant to improve your home's insulation so check online to see if you qualify.

You can also monitor the amount of gas you use with an energy meter which will show you how much you're spending on gas. Getting an energy monitor will really help you think twice about the amount of gas you use and you're much more likely to think twice about whether you need to use your current levels of energy.

Take a look at our guide to energy tariffs to get you in the know, so you can choose the right energy provider and find the best deals.

Dual Fuel

With this type of tariff, both your gas and electricity come from the same supplier. Some companies will offer discounts to customers who choose a dual fuel tariff and it can be simpler that choosing two different providers.

Fixed tariffs

In much the same way as a fixed rate mortgage, with a fixed tariff you'll pay a specified amount for your energy supply, usually for a year. This means that if energy prices go up whilst you are on a fixed rate, you won't have to pay more. However, this also works in reverse if energy prices go down and you could end up paying over the odds.

Fixed tariffs can cost up to 20% more than standard prices but as energy prices seem to be constantly on the rise it can be an effective way to save.

Online energy

Many suppliers offer discounts to customers who choose to manage their account online. This is because it's easier and cheaper for them to process information online.

When you manage online you can review your account any time you want to and it can often be easier to keep track of deals and offers if your account is online.

Economy 7

Economy 7 tariffs offer cheaper electricity at night, which can often benefit homes that use storage heaters or people who want to carry out household tasks such as running their washing machine and dishwasher at night.

Households that use Economy 7 have special meters fitted that take separate readings at night in order to calculate your usage. If you want to switch to Economy 7 you should be able to do so through your present supplier, but you may need to pay to have a meter installed.

Economy 10

Economy ten offers cheaper rates during off peak times during the day and night. The price of off peak energy can be half that of peak times, but you may be charged an increased standing charge which you pay every day.

As with Economy 7, if you want to switch to Economy 10 you'll need to contact your current supplier and have a meter installed.

Social Energy

All energy providers are obligated to offer cheaper supply to those in need. This must cost the same as the lowest standard tariff offered by the supplier. If more than 10% of the total income of your household is spent on energy bills you may be eligible for a social energy tariff. To find out how much you are spending each year on energy you can check your bills or call your supplier directly.

Prepayment meters

Prepayment meters allow customers to pay for energy in advance and top up their energy supply when they need to. You can top up a pre paid meter with a key, token or card and can top up your supply over the counter at many convenience stores.

It's widely acknowledged that using a meter is one of the most expensive ways to pay for energy, but many people find that using a meter allows them to manage their finances more successfully.

Green Energy

Most people would make the assumption that when you sign up for a green energy tariff, at least part of your supply will come from renewable energy sources, but this isn’t the case.

Although energy companies do have to use a proportion of the money you spend to fund green projects, there's no obligation for them to use renewable energy.

However, if you choose this method a percentage of the money you spend will be donated to green charities or help fund eco projects.

Feed in tariffs

Some suppliers now offer cash payments to homes that use renewable energy such as solar panels. If you produce your own energy you can in effect sell it back to the grid.

Many local councils offer incentives to residents who want to use renewable energy in their homes and you can apply for grants to fit solar panels or help pay for a wind turbine.

In many cases households that use renewable energy can end up making a profit from the electricity they use rather than paying for a supply from an electricity provider.

If you want to find out if you would be eligible for a grant then contact your local council or look online.

IGT (Independent Gas Transporter) Tariffs

Not all gas is delivered to homes by the national grid; some is delivered by an International Gas Transporter.

To find out if your gas is delivered by an IGT you can check your meter point reference number. This is a ten digit number on your meter. If the first number is between 74 and 77 then your gas is being supplied by an IGT.

For that reason the popularity and prevalence of renewable energy has been steadily rising on a domestic, national and worldwide scale.

In recent years new objectives have been put in place which outline the government’s goal to produce 15% of the country's energy from renewable sources by 2020. This may seem like a small percentage but when you consider that the total usage across the UK in 2009 was just 3%, it's easy to see why it may be a hard target to reach.

What is green energy?

The term 'green energy' is most commonly used to describe energy that is produced from renewable sources. Using green energy differs from using fossil fuels because the sources needed to make energy will never run out, unlike things such as oil and coal.

The four main types of renewable energy that are being developed in the UK are solar energy, hydroelectricity, wind power and biomass energy.

Solar energy

Man has been utilising the power of the sun for thousands of years but it's only recently that the popularity of solar power has really taken hold.

Thousands of households in the UK are now fitted with solar panels, which use photovoltaic cells to convert sunlight into electricity. Some UK councils offer grants for fitting solar panels and it's also possible to sell any excess power produced back to the grid.

Wind Energy

The UK's wind farms are Europe's largest source of renewable energy, utilising turbines to produce electricity. Wind farms can be inland or offshore and can also be fitted to homes and businesses on a smaller scale.

Some people who live close to wind farms claim they produce an irritating humming noise and many people complain that the giant turbines are an eyesore on the horizon, but there's no denying that they are a powerful source of green energy.

Hydroelectricity

Hydroelectricity uses moving water to create energy. Hydroelectricity can be created using different bodies of water such as the sea, rivers and lakes. It is even possible to create hydroelectricity on a smaller scale if you live near a water source.

In many cases a small scale hydroelectric device can produce enough power to run lighting and electrical items in a home.

Biomass energy

Biomass energy has caused controversy because it creates power by burning natural materials, which seems like it would be bad for the environment, but the materials burned are crops that take CO2 out of the atmosphere whilst they are growing, which means that burning them becomes carbon neutral.

How can I utilise green energy?

When you use green energy to power your home you reduce your carbon footprint because creating the energy you need will produce less CO2. However, you can also reduce your carbon footprint by using less energy in your home.

There are lots of things you can do to make your home more environmentally friendly and one of the most important is making sure you have adequate insulation. Improving loft and wall cavity insulation is a must if you want to save energy – your home can lose up to 40% of its heat from a poorly insulated roof and up to 20% from badly insulated walls which can make a huge difference to your energy bills.

Installing double glazing can also make a big difference to the amount of heat you lose from your home and you'll soon earn back the initial expense in the money you save on energy bills.

When it comes to saving energy, little changes can make a big difference. Try reducing your thermostat by a few degrees, you won't notice the change in temperature but you will notice savings on your bill.

Make sure you switch off lights and don't leave appliances on standby. You can also switch to energy saving light bulbs and opt for the eco wash setting on your washing machine and dishwasher.

Green energy tariffs

Many energy providers are now offering green energy tariffs which use a percentage of the money you pay to fund eco projects around the world.

You can also find specialist green energy companies who generally supply power from renewable sources but they may also use power from the national grid.

However not all green energy tariffs use energy from renewable sources so if you want this to be part of your tariff make sure the company you choose uses green energy.

It should also be possible to find out which projects are being supported by the company you choose so you can get a better idea of where your money is going.

Most good energy companies will be able to offer you comprehensive advice about how to save energy and using green energy. If you're thinking of installing solar panels in your home or you want to improve your insulation then contact your energy provider to find out if you qualify for a grant.

If you want to improve your home’s energy efficiency then read our handy energy saving tips and start making changes to your home today.

Draught excluding

There are numerous changes that you can make in your home to save energy, but draught exclusion is one of the simplest and most effective.

To make sure your home is draught-free it is a good idea to check all your windows and doors. If you’re not sure if a door or window is draughty then get a piece of toilet tissue and hold it at various places around the perimeter of your doors and windows. If you have cold air coming through the toilet tissue will move.

Once you’ve found out where the draughts in your home are located you can use draught excluders at the bottom of doors and place rubber seals around windows that will stop cold air from getting in.
Draught exclusion can cost absolutely nothing if you’re willing to make a draught excluder yourself, or you can hire a professional to do it, which normally won’t cost more than £200.

You can save significantly on your energy bills if you improve draught exclusion and your home’s CO2 emissions will also be greatly reduced.

Insulation

There are three main types of insulation that can make a significant difference to the warmth of your home. These are loft insulation, cavity wall insulation and solid wall insulation.

Experts agree that effective loft insulation needs to be about 6” thick, so if yours is less than this you should consider replacing or removing it. Laying loft insulation is a fairly simple job that you can do yourself, or if you choose to hire a professional it should cost between £200 and £300.

Cavity wall insulation is more complicated and needs to be done by a qualified person. Many homes have cavities in their walls which should be filled with insulation. Over time this insulation can degrade or, if the home is older, the insulation may not be up to modern standards. Having your cavity walls insulated will cost around £300 and can improve your home’s efficiency by up to 20%.

If your walls are solid it’s still possible to improve insulation by adding insulation plaster board to the inside of your walls or thermal wall lining under plaster.

Solid wall insulation can be time consuming and it’s best to carry it out when decorating. Be aware that when you add insulating plaster board your walls will be thicker so window sills and plug sockets may also need to be altered.

Thermal wall lining can be papered onto a wall and plaster can be laid over the top. This type of insulation is very effective but can make walls feel spongy which means they’ll be more sensitive to any impact. Improving insulation around your home can reduce CO2 emissions by more than two tonnes every year and can save more than £500 per year on energy bills.

Double Glazing

Much of your home’s heat can be lost through the windows if you don’t have double or triple glazing. However, changing windows is a big expense and probably not the most cost effective solution if you want to save energy.

If you don’t want the expense of changing your windows you can consider secondary glazing, which is significantly cheaper but can be just as effective. There are lots of different types of secondary glazing that you can fit yourself, such as heat sealed film and Perspex panels. Secondary glazing is the most cost effective option and perfect for listed homes where windows aren’t able to be changed.

Appliances

Making small changes to the way you use appliances around the home can make a huge difference to your energy bills and your carbon footprint.

Firstly, when buying a new appliance, it may be wise to try to choose one that has an A* energy rating. This means that it has been built to modern regulations and is already as energy efficient as possible.

Any appliance that cools things down or heats them up will use a lot of energy, so making sure that your oven seals are in good order and trying to avoid opening the oven door when you’re using it may be good ideas.

Check that your fridge temperature isn’t too cold as if it is you will be using more energy than necessary. If your fridge or freezer is packed full of food then it will take more energy to keep it cool, many people leave a third of the space in their fridge or freezer free to avoid this.

If you want to change supplier, reduce your energy bills or if you are organising your home’s gas and electricity for the first time then read our handy guide to ensure that you make the best choice:

Energy Bills

Most households spend a large proportion of their budget on energy bills, but most don’t really know exactly what they are paying for. However, Asda Finance recently uncovered that 82% of UK households feel that energy bills need to fall by an average of £39 a month (£468 a year) in order for them to be deemed affordable.

To be really energy smart, you need to understand your bill and get a better idea of what you’re spending and how you can make savings.

Energy Usage

Your energy usage is calculated in kilowatt hours (kW/h). Your electricity meter will show the number of kW/h you are using, whereas your gas meter will show your usage in cubic feet or cubic metres and the gas company will then convert this into kW/h.

If you don’t have a standing charge then you’re likely to pay for your energy using a two-tier system. This means you’ll pay more for the first units of energy you use.

Standing Charges

Most energy suppliers will charge a fixed daily fee when you connect to their energy supply and you’ll also pay for the units of energy you use. In general, companies that don’t require a daily fixed fee will charge more per unit of energy.

Dual Fuel

If you have both gas and electricity within your home then a dual fuel plan can save you money. Many energy companies will offer a discount if you get your gas and your electricity from them. It can also make the process of paying bills less complicated.

Price Plans

There are lots of different price plans available, so you’re able to choose the one that suits your specific needs. The most widely used price plans are:

Standard Plan - When you’re organising your energy supply, if you don’t choose a price plan option you’ll automatically be placed on a standard price plan. This means that your prices will be calculated in line with the current energy costs, so if prices rise, you’ll pay more.

Fixed Price - If you choose a fixed price plan you’ll pay the same amount each month, whether prices rise or fall. This means you’ll save money when prices are high, but if they drop you could lose out.

Fixed price plans normally last for a year and if you don’t request renewal you’ll be automatically put back on a standard price plan. When you choose a fixed price plan you’ll sign a contract, so if you want to change supplier before the plan finishes you may be charged to leave.

Capped Price Plan - When you choose a capped price plan the amount you pay for energy bills can vary, but is capped at a specified amount. This type of plan can offer more flexibility because you won’t pay more than the cap but you could make savings if prices drop.

Economy 7 - In a similar way to phones, you’re charged more for using energy at peak times and less for off-peak times, such as during the night. An Economy 7 plan can help you save money when using energy at night, but it’s only effective if you use at least 20% of your energy between 1am and 8am.

Green Energy Plan - Green energy plans work by offsetting your carbon footprint by using a proportion of the money you pay for energy to fund eco projects. This can be things like reforestation or funding research into renewable energy.

The name of a green energy plan suggests that renewable resources will be used to create the energy you use, but this is not the case. Some companies will take a proportion of their energy from renewable resources, but there is no legal obligation at present for companies to offer renewable energy on green tariffs.

Online Energy Plans - Most energy companies will offer discounts to customers who buy online and further savings can be made if you manage your account online too. This is because online purchases and accounts are quicker, easier and cheaper for energy companies to process so they can charge you less.

However, if you choose to pay for your energy via direct debit, it may be prudent to be aware that your direct debit will be a fixed price but your energy bills can rise, meaning you can end up owing your energy company money.

Reading your meter

It’s very important to read your meter regularly and let your energy company know what your readings are. If you don’t provide meter readings then your usage will be estimated, meaning you can end up paying more than you should be. Conversely, if you’re paying too little you will be running up a debt to your energy company.

Choosing a plan

When you know the different plans and options available, you can make a more informed choice about the company and tariff you choose. Make sure you shop around for quotes to find the best deal and if in any doubt about what you’re paying for then contact your company who should be able to explain your bill in more detail.

If your energy supplier does not receive meter readings from you they will come up with an average of what they think your usage is and charge you accordingly, which means you could end up paying more for your energy than you should be.

If you receive paper bills then you will also be able to fill out a meter reading when you send your bill off. If you manage your account online you will be able to fill in the details needed over the internet.

Below is a brief look at the different types of energy meters available:

Digital Meter

A digital meter will normally show a row of five numbers and you should read the numbers from left to right. The last digit will show a fraction and you should always choose the lower figure when noting down the number. If your meter has an LCD display then there will be no fraction to read.

Dial Meter

This type of meter consists of a row of dials. The numbers around the dials range from 0 to 9. Read the dial from left to right and note down the number that the hand of each dial is pointing to. If the hand is not pointing directly to a number then choose the lowest number that the hand is near to.

Economy 7

When you choose an Economy 7 tariff you pay a lower price for energy used at night but you will also need a special meter installed which gives day and night readings for your energy usage. Normally, your daytime reading will be marked ‘high’ and your night time reading will be marked ‘low’.

You can read the numbers in the same way you would on other meters, but if you have an LCD display you’ll need to press a button to see the two different readings.

Gas Meters

Gas meters differ from electricity meters because the gas you use is measured in cubic feet or cubic meters, rather than kilowatt hours. You should find your meter clearly marked to tell you how your gas is being measured.

To take a reading, read the numbers from left to right and include any zeros even if they are at the start of the row of numbers.

Submitting your meter reading

Most energy companies will allow you to submit a meter reading online, through the post or by phone. It’s very important to read your meter regularly so you don’t end up paying less than you should be as your company will require you to pay the extra which can land you with a hefty and unexpected bill down the line.

However, you can compare tariffs quickly and easily using the internet and find great deals that could save you hundreds of pounds a year, so the time you spend searching for the best deal will really pay off.

How to find the best deals on energy tariffs

These days the best way to get lots of quotes quickly is to use a comparison website. Energy comparison sites will normally require a certain amount of information to provide quotes for you and if you want to get the most accurate results then make sure you enter all the information asked for correctly.

Most sites will need to know where you live, who your current supplier is and how much you pay for the energy you use each year. You can calculate the amount of energy you use each year by looking at your bills or contacting your supplier directly.

Once you’ve added all your information to a comparison site you’ll be offered a list of quotes from different energy companies that could be lower than the price you are currently paying.

However it’s always important to check each quote carefully to ensure you know exactly what is being offered and whether it is suitable for your needs.

Different types of tariff

It may be helpful if you decide what type of tariff you want before you look for quotes. If you choose a standard tariff you’ll be charged according to the price of energy at the time you are billed, which means the amount you pay can fluctuate. If you don’t choose a tariff when organising your energy supply you’ll automatically be put on a standard tariff.

If you choose a fixed tariff then you’ll pay the same each month even if the price of energy rises, meaning you make a saving on the amount you pay. However, if the price of energy drops you won’t benefit as you’ll still be required to pay the same. In most cases if you want to switch supplier before your contract runs out you will have to pay a fee.

Economy 7 and Economy 10 tariffs offer cheaper rates when you use energy at off peak times, but in most cases you’ll need to use at least 20% of your energy at night. If you choose this type of tariff then you won’t be able to switch to a supplier that doesn’t offer the service.

If you choose a green energy tariff then a proportion of the money you spend will help to fund eco projects, effectively offsetting the carbon footprint you produce. However, a green energy tariff does not mean that the energy you use will come from renewable resources. If you choose a green energy tariff you should be able to find out what type of projects your money is going towards.

Social tariffs are offered to those who may find it difficult to pay energy bills and are offered at a lower than average rate. In order to qualify for social energy then your gas and electricity bills have to account for more than 10% of your total household income.

If you want to find out if you qualify you’ll need to know how much you are spending on energy every year. You can get help from your local social security office if you need to apply for a social energy tariff.

Some homes use a pay as you go system to supply energy and this is usually done by topping up a token, key or card which is then placed in your meter.  This is generally considered to be the most expensive way of paying for energy, but can be useful if you find it hard to keep track of what you are spending.

Smart meters are one of the latest energy saving innovations that are becoming widely used in homes. In basic terms, a smart meter will allow you to clearly see how much energy you are using and how much it is costing you. Studies have found that households who are aware of how much they are spending are much more likely to reduce their energy usage.

Switching energy suppliers

If you want to switch energy suppliers then you need to make sure you inform your current company. When you’ve chosen the supplier you want you can switch over the phone or online, but make sure you have all the details of your current contract to hand including your address, the name of your current supplier and whether you are paying for gas, electricity or both. Comparison sites can also help you with a great deal of the paperwork in many cases.

There are hundreds of companies out there all vying for your business, which means switching to a new provider is much easier than it was a few years ago. However, it can still take a few weeks until your supply is switched, so make sure you don’t end your contract with your current supplier until your new one is ready.

Climbing the property ladder has been made more difficult by a slowdown in the housing market. But staying put is no bad thing if you can breathe new life into your home with modifications and upgrades.

So what is the most effective way of boosting a property’s value and getting the most from your living space?

Loft conversions and home extensions - handy tips!

Increased living space equals increased value. And pound for pound, loft conversions are the most cost-effective way of increasing the selling price of your home.

First, you’ll need to do some homework and find out whether your vision for loft living requires planning permission.

Consider whether your home is suitable for conversion. Ideally, you’ll have a steeply pitched roof which is high enough to create a light, airy space.

Loft conversions also affect the floor below because you’ll need space to build a staircase. That will need proper planning, so call in the professionals if you don’t have the necessary skills.

Get a loft conversion right and you could boost the value of your home by more than 15 per cent.

Likewise, an extension needs to be properly planned and must be in keeping with the rest of your property.

All properties have a ceiling on their value which is set by their location. So don’t overspend on a huge home extension and create a house which dwarfs those of your neighbours – because you won’t recoup your outlay come resale time.

Converting a basement is a trickier proposition. Generally the advice here is tread with care: converting a cellar into living space can mean foundations need to be reinforced and major damp-proofing work carried out.

Space for your car

Many households have more than one car and building a garage can add 15 per cent to the value of a home in an urban area. Garages are so desirable that it can be a mistake to build a garage conversion – in some cases you’ll dent the resale value of your property by doing so.

Improve your bathroom and kitchen

The cost of fitting a new kitchen or bathroom is unlikely to be fully recouped when you come to sell your home. This is because your dream worktops or corner bath may not be to the taste of a buyer and they will move in and rip them out.

But if you’re planning to stay in a property for some time then why not enjoy the fruits of home improvements?

And a well-maintained, fresh-looking home will be far easier to sell when you do put it on the market than one with a dingy bathroom or worn kitchen.

Do a professional job

If you’re going to improve your home, do it properly. That goes from everything from kitting out an extension with high-quality fixtures and fittings to calling in decorators to wallpaper a room if your DIY skills aren’t up to the job.

Bodged decorating or poorly-fitting electrical and plumbing fittings will be noticed by prospective buyers, or their surveyor, when you come to sell.

Another word of warning – DIY modifications can invalidate your buildings home insurance policy.

The recent trend for open-plan living has resulted in instances of dangerous DIY removal of interior walls.

Get this wrong and you’ll weaken the structure of your home with potentially lethal results.

If in doubt, call in a builder. A builder should have insurance cover so if they get it wrong, you won’t lose out financially.

 But there are also lots of things to think about – not least your finances! In the whirlwind of romance, it’s easy to forget about money, but it doesn’t have to be a headache or end in arguments - as long as you plan carefully.

Starting out

Before you’ve even started to daydream about making pancakes together in your pyjamas, you need to have a serious chat about money. Be completely honest and tell each other where you stand, including any credit card debts and outstanding loans.

Also discuss your monthly outgoings, from topping up your Oyster card or paying for petrol, to how much you spend on nights out.

Disclose how much you earn a month and then work out whether you’ll split bills and rent 50-50 or, if one partner earns more, decide on a fair division.

What you’re paying for

If you’re going to look for a place to rent together from scratch, you’ll have to pay a deposit on your new home. It could be that one of you pays the deposit, or you go halves - but it’s worth keeping a note for future reference. Also consider a six-month contract, so you get a trial period of living together and you’re not tied in for a full year if things go wrong.

There’s also the question of furniture. It could be that you already have some, but if you do a big shopping trip, decide who’s going to pay for what in advance – and keep a record of it.

Then comes the boring part: bills. If you’re moving into your partner’s existing home, things like council tax, electricity, gas and water will already be set up in their name, so work out how much you should be paying them back each month. Now could be a good time to look at switching utility providers for the best deal.

Decide whether you need a landline and internet – or if you’re happy just using your mobile phones with separate bills.

Food shopping should be fun, but can turn nasty if you quarrel over whether you’re buying basic or best – so always write your list together first and stick to it; grocery shopping online is by far the easiest way.

Don’t forget about home insurance, you’ll need this to cover your possessions even if you are renting. And if you are moving into your partner’s place, make sure his or her policy will cover your stuff, especially any expensive items. Get some cheap home insurance quotes and work out the best deal for both of you.

If you’re buying a house together then you should also think about mortgage life insurance to cover you and your partner in case the worst happens.

Setting up a joint account

If you’re renting somewhere together and don’t want to quibble over who pays which bill, it’s worth setting up a joint bank account to manage your direct debits.

It’s unlikely one of you will do a runner with all the cash, and it means you know exactly how much money you have left in your own account come the end of the month for things like clothes, the gym and nights out - without asking for permission to spend on yourself.

You’ll both need to be present at the bank at the time you set up the account, so arrange a convenient time to do this. You’ll need to decide what percentage of your income you’re going to transfer each month into the joint too.

The great news is, once you’ve made all the financial arrangements, you should both be better off – and you can finally relax and enjoy those pancakes.

The main types of home insurance

Buildings insurance and contents insurance are the two main types of home insurance available. Buildings insurance covers the structure of your home so your roof, walls and windows will be covered. Some buildings insurance will also cover permanent fixtures such as a fitted kitchen or bathroom.

The types of policies available vary but any policy you choose should cover damage caused to your home in the event of flood, fire, storms, subsidence, falling trees and burglary. You can add extra cover to your buildings insurance, such as accidental damage, but this will normally increase your premiums.

Some things are often excluded from your buildings insurance such as damage due to wear and tear. Your policy could also be invalidated if your home is empty for more than thirty days in a year, so ensure that you read all the small print before you agree to a policy if it is likely that your home will be unoccupied for a month or more.

It is not a legal requirement to have buildings insurance on your home but if you want to get a mortgage most mortgage providers will require you to be insured. If you are a tenant then it is the responsibility of your landlord to provide buildings insurance.

How much buildings insurance do I need?

You should calculate the buildings insurance you need based on how much it would cost to rebuild your home if it was completely destroyed. However, this is generally not the same as the value of your home and in most cases is actually lower.

You can get insurance which offers unlimited cover that will pay for the cost of repairs no matter how expensive they are, but this can lead to higher monthly premiums.

How much contents insurance do I need?

As well as buildings insurance you can also insure the contents of your home. To work out exactly how much contents insurance you need you could take an inventory of the contents of each room, including things like televisions, laptops, electronic equipment, furniture and jewellery. Don't forget to include any contents you have stored in your shed, attic or cellar and include clothes, curtains and carpets.

Most insurers limit the amount they will pay out for a single item and the maximum is normally around £1,500, so if you have possessions that are worth more than this you may want to consider taking out extra insurance on them.

When purchasing insurance your insurer will normally ask you to declare any valuable items you have within your home. Make sure you declare any relevant items as if you do need to make a claim but haven't told the insurer about your valuable items, your policy could become invalid. A contents calculator can help with this process.

Do I need contents insurance if I am a tenant?

In general, landlords will only pay for buildings insurance on your home if you are a tenant, so if you want the contents of your home to be covered you will need to take out tenants insurance. If you live in rented accommodation you may be more vulnerable to burglary due to things like shared entrances. In addition, contents insurance for tenants can cover you if you cause damage to the landlord’s carpets or curtains. If you share a property with other tenants or live in a property that came fully furnished, you may find it more difficult to find an insurer.

Can I get contents cover if I am a student?

You can get contents cover if you are a student, which can be useful as students often have expensive equipment such as laptops or ipods. It is possible to add your contents insurance onto your parents’ policy, but this is not always the cheapest option and it can be more economically viable to take out your own insurance. It is probably wise to carry out extensive research to find out what your best option is.

Can I get insurance if I live in a flood area?

Historically, it has been difficult for homeowners living in areas where the risk of flooding is high to get insurance. However the Association of British Insurers has made a deal with the government to ensure that people living in flood areas can insure their homes until 2013, when the current policy will be reviewed.

However, people living in areas at risk of flood should expect to pay higher premiums on their insurance and in many cases the cost of paying excess on claims will also be higher.

Many insurers will expect you to take defensive measures to protect your home from floods before they will insure you, such as installing flood boards and moving electrical points so they are above flood level. You can also replace wooden doors with concrete to further protect your home.