Insurers are starting to win the battle against false personal injury claims, including whiplash. But there are questions over whether £1billion in savings are being passed on to honest customers. The number of insurance claims for personal injury following an accident has fallen dramatically in the past three years - a drop of nearly six per cent to 770,000.
As the City watchdog unveils mis-selling from the middlemen, we explain how to seek and buy insurance
Anyone with car, home, travel and warranty insurance policies bought via 'middlemen' instead of directly from an insurer should check their policies to ensure they are fit for purpose. This warning comes after the City regulator, the Financial Conduct Authority, uncovered widespread poor sales practices and evidence of mis-selling to customers who bought via a third party.
DON'T MISS
- I want to sell my annuity for cash - how do I get the best deal? Agony Uncle Steve Webb replies
- I bought property, the stock market is for gamblers Withnail & I star Richard E. Grant on his perfume line, foreign aid and borrowing money
- A nation of reluctant renters? UK has the biggest 'happiness gap' in Europe between home owners and those who rent
- Is it time for regulation of Airbnb lettings? Legal issues, noise complaints and damage to property could see backlash against rental free-for-all
- THESE are the 10 real-world cars you should be excited about Paris Motor Show 2016: Forget the million-pound Ferraris and outlandish concepts...
- BT threatens to raise broadband prices as shock business rates review more than QUADRUPLES its bill to £743m
- Pound on track for worst run since 1984 despite consumer confidence rebound.... - and strong pre-Brexit economic growth.
- UK house price growth continues to slow as property shortage is cushioned by lower demand Nationwide survey.
- Property values in 'silicon hubs' of Cambridge, Reading and Oxford soar in last five years It's technically a house price boom.
- Is your financial adviser as qualified as they claim? Which? probe finds glaring holes in spot checks on credentials.
- Should investors worry about the US election, banks and a 'hard Brexit'? Investing Show.
- MS sufferer battles for 18 months to draw early pension before ex-employer Premier Foods heeds her pleas for help
- UK's most expensive streets revealed 661k homes estimated to be worth at least £1m - how many are near you?
- How putting £10K into the stock market would have earned you £90K more than cash savings over three decades Why long-term investing works.
BUSINESS & MARKETS
MIDAS SHARE TIPS: Uranium miner Berkeley Energia promises us a brighter future
Salamanca is one of the most beautiful, historic towns in Spain. It is also a short drive from the only sizeable new uranium mine being developed in the world today. The mine is run by Aim-listed Berkeley Energia and its shares, at 47p, should rise substantially as the project moves towards production.
SAVE MONEY, MAKE MONEY: OUR TIPS TO GET RICHER
- This is Money's five favourite best buy cash Isas for 2016
- Looking for a better bank? Five of the best current accounts
- Energy bills: Could you cut save by switching?
- Best credit cards for spending, holidays and rewards
- The best mortgage rates and should you fix?
- Ten tips for cheaper car insurance - and compare prices
- Best debit and credit cards for spending overseas
- The best and longest balance transfer credit cards
- Best (and cheapest) DIY investing Isa platforms
- Ten tips for buy-to-let and how to find a mortgage
MONEY NEWS & ADVICE
JEFF PRESTRIDGE: Companies must keep their promises on 'final salary' pension schemes
These pensions, commonplace in the 1980s and 1990s, are usually portrayed by experts as 'deluxe' because they provide workers a retirement income according to a relatively simple formula - years worked and their final salary on leaving employment. The more years worked and the higher the final salary, the better the retirement income you will get. Let's hope the Government does not get bullied (or bamboozled) by big business into allowing companies to renege on pension promises made to workers.
There are no music stars fit to follow the Stones: Harvey Goldsmith on ticket resellers and why he is promoting Bear Grylls
Goldsmith is furious with huge ticket resellers - such as Viagogo and StubHub - which he says snap up tickets and sell them at a vast profit. Goldsmith says that he has been talking about this for 25 years and still hasn't made any progress. 'Successive governments have totally ignored the issue. The standard response is "But where would we get our Wimbledon tickets from?"
I bought property, the stock market is for gamblers: Withnail & I star Richard E. Grant on his perfume line, foreign aid and borrowing money
Hollywood actor Richard E. Grant has never borrowed any money for fear of not being able to pay it back. Grant, who shot to fame in 1987 for his role as Withnail in cult film Withnail & I, says 1988 was the best year of his life financially and he made more money that year than he had ever dreamt possible.
Do you have an old Beano? Then you have an investment that could be worth £20k
Blimey! The value of old Beano comics is soaring as nostalgic investors snap up comic strip jolly japes they first enjoyed in their childhood. Last week, publisher DC Thomson launched a Beano website to complement the comic - enabling young fans to also read about Dennis the Menace and The Bash Street Kids on smartphones and tablets.
On hold: Small firms lag behind in mobile revolution as just 17% have a mobile-friendly website
A nationwide study of 2,000 small business owners and more than 2,000 consumers has revealed the stark gap between business owners who have failed to modernise and their customers' expectations over browsing, ordering and paying. Of the small businesses surveyed, 44 per cent had never reviewed how they take payment from customers, despite the arrival of digital wallets, contactless payment and the smartphone.
Paris Motor Show 2016: Forget the million-pound Ferraris and outlandish concepts... THESE are the 10 real-world cars you should be excited about
Everyone loves a crazy concept vehicle or a bank-busting hypercar, but the reality is these aren't the cars 99% of us will be looking to buy in the next six months. These 10 models, however, are. Top, left to right: Land Rover Discovery, Kia Rio, Citroen C3, Honda Civic, Mercedes AMG GT Roadster, Nissan Micra, BMW X2, Suzuki Ignis, Skoda Kodiaq.
Britain's most expensive streets revealed: No end to the house price boom as 40,000 new property millionaires are created across the UK this year - but how does YOUR area fare?
Some 660,900 homes across Britain are estimated to be worth at least £1 million - an increase of over 40,800 since January. Yet not everyone is getting a slice of the property boom pie it seems, as four out of five (82 per cent) of the houses are in London or the South East of England. And London, home to 60 per cent of the million-pound properties, takes all top 10 spots in the country's priciest streets. At the top of the list is Kensington Palace Gardens (1) where an average house costs a cool £38.26 million. In The Boltons (2) the typical price is £33.31 million, compared to Grosvenor Crescent (3) at £21.64 million and Ilchester Place (4) at £12.77 million. Fifth is the upmarket Manresa Rd (5), where on average a house will set you back £13.28m.
Why long-term investing works: How putting £10K into the stock market would have earned you £90K more than cash savings over three decades
While the stock market goes up and down, when it comes to investing it seems that it's worth playing the long game. A £10,000 investment in the FTSE 100 in 1986 would now be worth an impressive £126,867. If you had left the same amount in an average savings account, it would be worth £28,196 - almost £100,000 less.
MORE BUSINESS & MARKETS NEWS
Deutsche Bank gets a £6.6bn lifeline: Shares leap 13.2% on rumours US authorities have reduced £10.8bn fine
The beleaguered German lender appeared to strike a deal with the US Department of Justice over penalties for mis-selling toxic bundles of mortgage debt sold in the run-up to the financial crisis. It was feared the original fine could destroy the bank, which has lost more than half its value in the past year and is now worth just £13bn.
YOUR MONEY ESSENTIALS
How long should you fix your mortgage for? A nation addicted to short-term thinking can't get over its two-year fix, says SIMON LAMBERT
Even at a time when we are stretching our finances further to afford a home, moving less, and pushing mortgages beyond 30 years, we still remain captivated by two-year fixed rate deals. Five-year fixed rates offer both historically cheap money and some financial security. And yet, a two-year fix is cheaper. So, when the mortgage industry tempts people in with these teasers they don't need much convincing.
Ferrari takes a tin opener to its £1million part-electric hypercar: Say hello to the open-top hybrid LaFerrari Aperta
A convertible version of the £1.1million hybrid LaFerrari hypercar has long been teased but now it is officially here... and categorically sold out. All 209 have been promised to Ferrari's most devoted customers. It uses the same 6.3-litre V12 engine and electric motor combo as the 950bhp coupe. Officially unwrapped at the Paris Motor Show on Thursday morning, Ferrari has confirmed the roof-down stunner will use the Aperta name - the Italian for 'open'.
50 brilliant tips to save you a fortune! Park on a stranger's driveway. Never go into a pound shop. And haggle over absolutely everything
Money Mail was launched 50 years ago today to help families make their cash work harder. To celebrate we've compiled 50 of our favourite tips and tricks to help you save. From parking your car on a stranger's driveway to never going into a pound shop, there's something for everyone, whatever the size of your wallet.
'We wanted to create a high-end brand - the Chanel of the protein world': How two former GB swimmers went from start-up to Net-a-Porter deal
Neat Nutrition's popular protein supplements now grace the virtual shelves of Net-a-Porter and Mr Porter across Europe and the US. Not bad for a start-up that's only been trading for a year. Here the two former GB swimmers behind the company, Lee Forster, 33, and Charlie Turner, 32, explain the secrets of their success.
Savings deals that you MUST ditch right away: Big bank rates set to fall as low as 0.01%... but you can find better
Today, Money Mail names the savings accounts and Isas you need to ditch right now. A string of cuts in the pipeline will see rates on accounts offered by the big banks cut to as little as 0.01%. Better rates - in some cases worth four times as much interest each year - are on offer from other providers.
Can you trust a firm that says it can get rid of your timeshare - for a price? These families did - and regretted it
Thousands of families signed up to these deals in the 1980s and 1990s. Often, families are concerned the small print will mean the service fees pass on to their children when they die. Typically, customers come across Itra as they seek a way to offload an unwanted timeshare.
Five decades that changed our finances: When Money Mail began, wages were paid in cash on Fridays and tax was 95%
When the Daily Mail was dropped through Britain's letter boxes on Wednesday September 28, 1966, it contains a new feature called Money Mail. Our first headline was: 'You slaved for your savings - now make them do the same for you.' The aim was to help ordinary families make more of their money - just like it is today. We look at financial life back then and how it has changed.
A coffee with... a parking ticket hero: Donotpay's Josh Browder on his fine-fighting website and artificial intelligence-powered free robo-lawyers
We speak to Joshua Browder in the latest of our regular 'a coffee with...' series - in which we invite colourful characters in the world of finance for a chat at the This is Money HQ. The 19 year-old's fortunes have had a meteoric rise in the last year thanks to the creation of his website donotpay.co.uk.
ASK TONY: Mystery of the lost £80k in shares as Santander blames a 'systems error' for losing retired couple's savings
I'm a financial adviser, whose clients - a retired couple - have suffered extremely poor service from Santander. In early 2016, the wife held about £160,000 of shares in a Santander unit trust. In order to make use of her husband's unused capital gains tax allowance, she planned to transfer about half of her holding to him.
The £1.6 trillion Chinese debt crisis that could sink us all: Fears trouble in the East will have dire effect on the world
Exports of British goods to China have risen sharply over the last two decades, jumping from £877m in 1998 to £15.5bn in 2014, making the country the UK's sixth biggest market. But sales to China of goods stamped 'Made in Britain' fell 22 per cent in 2015 to £12.1bn with car exports down a thumping 37.5 per cent.
Revealed: How you could shave 17 YEARS off your retirement age by moving your pension pot to a fund with low fees
However many middle-aged and older workers do not even realise they are paying fees that sap their savings, prolonging the amount of time they are in work. A 55-year old worker has an average pension pot of £42,621 and is paying an average fee of 1.85 per cent, according to advice firm Profile Financial. It has worked out they would have to keep saving until they are 80 to boost that to £50,000, assuming investment performance of 2.5 per cent after fees - but only until the age of 63 if they switched to a newer fund levying 0.34 per cent
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Renault unveils their utterly breathtaking concept car TREZOR
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Ferrari revealed the absolutely beautiful 'LaFerrari Aperta'
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Volkswagen presents the I.D. electric car concept in Paris
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New Land Rover Discovery revealed on huge lego structure
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How Honda will build the new high-tech Civic in the UK
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The everyday supercar? We test the Porsche 911 Turbo
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The Harley-Davidson Forty-Eight put to the test
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Motorway middle-lane hogging explored in Confused.com film
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Take a sneak peek at the Aston Martin V12 Vantage S Coupe
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The new Porsche Panamera turns heads with split rear wing
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Style and space with all-new Kia Optima Sportswagon
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Exhibiting the Jaguar D-Type: 24 hours of Le Mans Champion
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Shelby Cobra CSX 2000: 'The shot heard round the world'
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Chris Hoy is back on two wheels but this time doing car stunts
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How a 1920s RAF base was transformed into a classic car hub
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Behind the scenes on what goes into making the LEGO Ford GT
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The original Peugeot 205 GTI advert from the 1980s
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Nissan disclose new BladeGlider electric sports car prototype
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Introducing the Car Park Hotel: A luxury stay for your car
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Jaguar Land Rover reveal what's inside it's 'world-class' HQ
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The new limited edition Vanquish Zagato, from Aston Martin
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Bentley uses NASA-derived tech to snap car from 700m away
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Fast and furious: Jaguar release F-Type SVR 200mph monster
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Land Rover stunt sees car haul a 100-tonne train for six miles
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How good is the Ford Mustang V8? We put it to the test
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New fuel: Honda cracks down pollution with fuel cell car
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What's it like to drive a Ford Capri 280?
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Take a look at the sleek new Audi TT RS Coupé and Roadster
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What's it like to design and collect a Rolls-Royce?
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Make it sparkle: Cleaning tips on how to prepare your car
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Take a look at the new Volkswagen Tiguan in action
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The new Jaguar F-Pace Diesel R-Sport in Italian racing red
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Mazda MX-5 RF features Transformer-like folding roof design
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Behind the wheel of the new Rolls-Royce Dawn
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Take a look at the new 200mph F-Type SVR Jaguar in action
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Hexagon show off iconic classic cars to promote showroom move
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The big reveal: How owners first see their new Rolls-Royce
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Sir Stirling Moss takes his Renault Twizy for a spin!
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Papa don't teach! Driving can come at a pulsating cost
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Near miss as Tesla autopilot tries to swerve into another car
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Sebastian Vettel paid Renault a visit to test drive the Twizy
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Land Rover completes world's first drive across PAPER bridge
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Can the Renault Kadjar compete with the Nissan Qashqai?
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British artist's full scale replica of the Nissan Juke
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Built for Bond: The Aston Martin DB10 for new film Spectre
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Red Ferrari 250GT SWB sells fir £6,600,000 at auction
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Tesla unveil radical Model X crossover with 'falcon wing doors'
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The Colton Collection Ferraris take to the country's roads
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Introducing the new Rolls Royce Dawn convertible
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Harry Kane tackles John Barnes in the 'Unbelievable' challenge
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Bentley unveil their new 4x4: The stunning 187mph Bentayga
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Research says 90% of people struggle recognising road signs
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Come for a ride in a classic Fiat Dino Spider
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Rolls Royce reveals new £250,000 Dawn convertible
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Land Rover creates one-of-a-kind defender for milestone
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Extended look at The AA's humorous new TV advert
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Look at some of Stondon Museum's sold off car collection
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Take a look at the brand new Jaguar XE S in action
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A look at the new XF with Jaguar director of design Ian Callum
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Is a classic car an investment? This is Money meets the owners
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Range Rover Evoque becomes only car to ride London Crossrail
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Idris Elba and Martin Brundle take a Jaguar XE to Spa racetrack
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Changes to payment at Dartford Crossing toll booths
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The original Peugeot 205 Bombardier Ad (archive)
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The legend returns! Peugeot launches Peugeot 208 GTi 30th
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Land Rover's new VIRTUAL windscreen gives drivers 360 vision
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The history of Land Rover on their 65th birthday
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The new Mercedes-Benz executive C-class saloon
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Auto Express on the best features of the Mini Cooper 2014
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Rosie Huntington-Whiteley unveils new Land Rover Discovery
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(Stunt) Man with a van! Vauxhall try out new radical tests
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The Mini goes maxi! Latest model is revealed as biggest yet
GUIDES: HOW TO SAVE MONEY AND MAKE MONEY
WHAT NEXT FOR YOUR MONEY?
50 ways to save money: Simple steps to cut what you spend that could clear your debts or seriously boost your savings
To clear the average national household debt of ?13,000 at 6% interest with a monthly repayment of ?100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.
When will interest rates move? Rates could be cut again below 0.25% before the end of the year, says Bank deputy
Asked on Radio 4's Today programme if there was a real prospect of a further cut in rates before the end of the year, the Bank's Ben Broadbent said, 'that's true'. Bank rate was cut yesterday to 0.25 per cent from its already record low level of 0.5 per cent, where it had remained for more than seven years.
What next for mortgage rates: Record low deals on offer but will Brexit mean rates rise?
Markets went into turmoil following the momentous decision by the British people to leave the European Union on 24 June 2016. But what does all of this mean for mortgage rates?
Ten tips for buy-to-let: the essential advice for property investors
For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips
TIPS, TOOLS AND HELP FOR LANDLORDS
Guides and tools
Partner services
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Quick, easy - compare and buy today
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Buy-to-let rates and advice
Boiler cover
Insure your heating system for less
easyProperty.com
Find tenants - from £9.99
Best paid jobs 2015: Compare your salary to the national average in this league table of 350 professions - and see the year's winners and losers
Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.
ABOUT THIS IS MONEY
Premium Bonds winners
Prize value | Winning bond No. | Area |
---|---|---|
£1,000,000 | 79KW011670 | Lancashire |
£1,000,000 | 199BJ584357 | Suffolk |
£100,000 | 80WK626093 | Wiltshire |
£100,000 | 70YY171805 | Reading |
£100,000 | 214EL163615 | East Sussex |
£50,000 | 261YR399408 | Shropshire |
£50,000 | 239BJ874043 | Hampshire and Isle of Wight |
£50,000 | 212GN036345 | Southampton |
£50,000 | 137JJ131331 | Inner London |
£25,000 | 88MZ556624 | Preston |
£25,000 | 265MG649936 | West Sussex |
MOST READ MONEY
- A nation addicted to short-term thinking can't get over its two-year fix, says SIMON LAMBERT How long should you fix your mortgage for?
- Family feuds over inheritance are on the rise... - and a record number of cases reached the High Court last year.
- How 17m Britons have less than £100 put away for a rainy day Huge savings black hole revealed.
- Guarantee for 95% mortgages will close at end of the year after helping 86k buyers on the property ladder The beginning of the end for Help to Buy.
- 50 brilliant tips to save you a fortune! Park on a stranger's driveway. Never go into a pound shop. And haggle over absolutely everything.
- Home listing website Zoopla offers customers the chance to invest in buy-to-let for as little as £100 Want a piece of the property market?
- Where can you park for 5p an hour? And where will it cost you £13? Britain's priciest and cheapest car parks are revealed
- Ferrari takes a tin opener to its £1million part-electric hypercar Say hello to the open-top hybrid LaFerrari Aperta
- The post-Brexit holiday hotspots revealed as Britons defy the pound's fall Planning to find some winter sunshine
- When Money Mail began, wages were paid in cash on Fridays and tax was 95% Five decades that changed our finances
- The new Land Rover Discovery revealed With the help of some celebrity fans and a record-breaking Lego replica of Tower Bridge.
- Savings deals that you MUST ditch right away Big bank rates set to fall as low as 0.01%... but you can find better.
- Can you trust a firm that says it can get rid of your timeshare - for a price? These families did - and regretted it.
- Make your child a millionaire by age 38 in three steps How to invest to boost your chidren's prospects.
- The seven-seater cars awarded five stars Five of the best new models for larger families.
- Beware bogus emails from your taxman offering you the chance to claim a tax refund
- A coffee with... a parking ticket hero Donotpay's Josh Browder on his fine-fighting website and artificial intelligence-powered free robo-lawyers.
- Mystery of the lost £80k in shares as Santander blames 'systems error' for losing retired couple's savings ASK TONY.
- We'll carry on fighting to protect your family's future DAN HYDE
- Bribes to quit gold-plated pensions rise by a fifth as desperate firms try to cut the future cost of their schemes Worrying trend
- How our campaigns changed Britain... and saved you thousands The victories Money Mail scored over 50 years
- Bring back the tax disc! Three quarters of drivers want them back in their windscreens Scrapped two years ago
- Plug-in car sales slow after the Government slashed the subsidy for buying an electric or hybrid vehicle
- Most affordable commuter towns revealed: Move to Wellingborough for the lowest house prices Spots within an hour of London
- The £1.6 trillion Chinese debt crisis that could sink us all Fears trouble in the East will have dire effect on the world
- How you could shave 17 YEARS off your retirement age by moving your pension pot to a fund with low fees
- Herbie goes ballistic: VW transforms a Beetle from Love Bug to one-off 205mph rocket ship
- Mortgages fall by 20% in a year as buy-to-let hangover and Brexit weigh on property market confidence
- Nearly 60% of Britons have not written a will A fifth don't bother because they don't feel they are wealthy enough
- MG Motor closes Longbridge production line with all models to now be fully built in China No longer made in Britain
- Aldi will splash out £300m to spruce up stores Record sales but profits fall
- Is it worth paying £35 an hour for a private tutor? How to get top marks - and save on fees
- A near £1,000 fixed rate mortgage blunder shows how timing counts for everything SALLY HAMILTON
- We've invested in US tech stars like Tesla because of how great they could really become Scottish Mortgage's Tom Slater
- Want to get rid of your old furniture? Charities and networks that can help you to recycle
- Jaguar F-Pace and Porsche Macan face off in the battle of the performance 4X4s Sporty SUV showdown:
- 'Why I WANTED my £440,000 pay cut': Mr Co-operative reveals why he took on the top job Co-op boss Richard Pennycook
- The prize for the most enterprising city in the UK goes to... Birmingham 'Midlands Powerhouse'
- 'Our virtual receptionists are a hit': Booking firm Appointedd gets a lift with big US deal
- I've got a new job and will be joining the pension scheme - what do I do with my old pensions? And what should In ask?
- MIDAS SHARE TIPS: Wind blows in right direction for renewable energy supplier Good Energy AIM stock
- Your funds are being repaid, Scout's honour... ... TONY HETHERINGTON tells small charity in Barclays account saga
- Why it's a piece of cake raising cash for charity From Gift Aid to baking and donating blood, our guide to helping good causes
- Do you have what it takes to run your own vineyard? As English wine surges in popularity, these winemakers reveal why they've left their old lives behind.
- REVEALED: The top 50 brands for customers service in the UK (and a bank won!) Handmade cosmetics company Lush slipped from first to third place.
- World's cheapest universities revealed UK students 'pay three times over the odds and could save over £12k a year'
- Pension savings rate of 4% is 'shocking' and needs to be three or four times higher, says former pensions minister
- Three months after the vote and the average fund is now in the black Have you made a profit from the Brexit bounce?
STEVE WEBB ANSWERS YOUR PENSION QUESTIONS
- Why am I doubled-taxed with National Insurance when I worked and then income tax on my state pension?
- Government should stop assuming savers are earning 'unrealistic' interest rates like 6.9% when assessing benefits, says ex-Pensions Minister Steve Webb
- I'm in ill health but not claiming benefits - can I get NI credits towards a state pension?
- Should I cash in one of my pension pots to get shot of my mortgage?
- 'Triple lock' rises in the state pension will favour people getting new flat rate - how is this fair?
- Clampdown on whiplash claims has saved insurers £1bn - but car owners are still feeling the pain as premiums...
- Struggling stores in less prosperous parts of the UK may face delays in receiving business rate cuts
- If Belgium can banish ‘binary options’, then why can’t we, asks TONY HETHERINGTON
- As the City watchdog unveils mis-selling from the middlemen, we explain how to seek and buy insurance
- British hedge fund duo rack up £20m by betting against ailing Deutsche Bank
- Foreign giants call on Chancellor Philip Hammond to confirm the UK is open to foreign investment
- What happened to the pension contributions I paid more than 40 years ago? TONY HETHERINGTON replies
- Holiday protection: How to get your cash back if an airline goes bust
- MIDAS SHARE TIPS: Uranium miner Berkeley Energia promises us a brighter future
- SFO alerted as former BHS owner Dominic Chappell 'chose NOT to pay tax'
- Monarch Airlines is confident it will secure fresh financing as it battles to renew crucial licence
- BT and regulator lock horns over Openreach as telecoms group fears a forced split could put its pension fund...
- SIMON WATKINS: Eight years on and panic still looms as Deutsche Bank shares crash
- Tesco’s sales are motoring - but pension deficit grows to £5bn
- Bug busters: From hordes of hornets to toxic caterpillars, pests can wreak havoc - how to best eliminate...
- Peppa Pig's been watched 6 billion times in China: Porcine superstar drives growth at Entertainment One
- One in four millennials resort to credit cards to make ends meet - and 60% don't pay off their bill each month
- I want to sell my annuity for cash - how do I get the best deal? Agony Uncle Steve Webb replies
- JEFF PRESTRIDGE: Companies must keep their promises on 'final salary' pension schemes
- Paris Motor Show 2016: Forget the million-pound Ferraris and outlandish concepts... THESE are the 10 real-world cars you should be excited about
- Clampdown on whiplash claims has saved insurers £1bn - but car owners are still feeling the pain as premiums RISE
- As the City watchdog unveils mis-selling from the middlemen, we explain how to seek and buy insurance
- Do you have an old Beano? Then you have an investment that could be worth £20k
- Deutsche Bank gets a £6.6bn lifeline: Shares leap 13.2% on rumours US authorities have reduced £10.8bn fine
- Ferrari takes a tin opener to its £1million part-electric hypercar: Say hello to the open-top hybrid LaFerrari Aperta
- Rub your eyes: This stunning sportscar isn't a Lamborghini or Ferrari... it's a Renault (and it could influence what your future family car looks like)
- On hold: Small firms lag behind in mobile revolution as just 17% have a mobile-friendly website
- CHARTERIS GOLD & PRECIOUS METALS: Fund delivers a 12-month return of 179% as gold prices rise
- Pound on track for worst run since 1984 despite consumer confidence rebound and strong pre-Brexit economic growth
- British hedge fund duo rack up £20m by betting against ailing Deutsche Bank
- MOST READ IN DETAIL
START-UP SECRETS
- Jacqueline Gold's: I defied a board who said women didn't care about sex
- Apprentice winner Joseph Valente: 'People have to like you to back your idea'
- Dawn O'Porter: 'I had to make people understand I was not just some floozy off the telly'
- Former Dragon Hilary Devey: 'The bank manager was a misogynist, frankly. He patted me on the head, said I had no chance':
- Sarah Willingham: 'For a Dragon, it's about the individual more than the business'
- Charles Tyrwhitt'sNick Wheeler: 'I founded it with £100k profit from selling an Aston Martin'
- Aldo Zilli: 'My restaurant business wouldn't be standing if it weren't for Wham'
- Pimlico Plumbers' Charlie Mullins: 'Borrowing from the bank almost sent me bust'
- Sarah Beeny: 'You need to look for the next big thing, not the thing that's big now':
- City Superwoman Nicola Horlick: 'The one-word answer that would make me hire you'
MIDAS SHARE TIPS
- MIDAS SHARE TIPS: Wind blows in right direction for renewable energy supplier Good Energy
- MIDAS SHARE TIPS UPDATE: Strong performance from sports supplement firm SiS... but shares still need a boost
- MIDAS SHARE TIPS: Franchise Brands boss is hoping to repeat the Domino's effect
- MIDAS SHARE TIPS UPDATE: Hummingbird may start to sing after it snaps up Mali mine
- MIDAS SHARE TIPS: Biotech group Redx Pharma shares are in doldrums but could soar as new drugs come on stream
- MIDAS SHARE TIPS UPDATE Still a smart bet...uniform provider Johnson is up by 438% since we tipped it in 2010
- MIDAS SHARE TIPS: Ad veteran aims for £100m revenues at digital start-up Be Heard Group
- MIDAS SHARE TIPS UPDATE: Shares are on march at our infrastructure tip Hill & Smith as interim profits soar 28%
- MIDAS SHARE TIPS UPDATE: Gym Group is fighting fit
- MIDAS SHARE TIPS: Pregnancy kit maker Concepta passes all the tests
FUND AND TRUST IDEAS
- THREADNEEDLE UK PROPERTY: Fund re-opens after post-Brexit alarm subsides
- HERMES GLOBAL EMERGING MARKETS: Growth before location, that's the drill for emerging markets
- JUPITER ABSOLUTE RETURN: If a firm's in the soup we'll short it, says boss James Clunie
- MONKS INVESTMENT TRUST: 'I'm disappointed' says fund boss who made 29% profit in a year
- AURORA INVESTMENT TRUST: Will Aurora see a brighter dawn as Mars is left behind?
- INTERNATIONAL BIOTECHNOLOGY TRUST: Doctor, analyst... and grand master at the biotech 'slow game of chess'
- EDINBURGH DRAGON TRUST: Investment trust roars back with 40% gain in six months
- MITON CAUTIOUS MONTHLY INCOME: The fund's tortoise technique to win the race for dividends
- LAZARD WORLD TRUST: Manager Kun Deng always does his shopping in the discount aisle
- JP MORGAN CLAVERHOUSE: Fizzing mixer drinks maker Fever-Tree gives FTSE fund added sparkle
- ROYAL LONDON GLOBAL HIGH YIELD BOND: Children's favourite Peppa Pig helps to spice up 'boring' bond market
- MID WYND INTERNATIONAL: Artemis manager Simon Edelsten seeks out the elephants that CAN dance
- SCHRODER RECOVERY: Fund manager Kevin Murphy looks for value, piles in, waits and reaps rewards
- MURRAY INTERNATIONAL: The trust that bucked the trend after Brexit...with a Mexican wave
Latest: Mortgages & home
- UK house price growth continues to slow as property shortage is cushioned by lower demand
- It's technically a house price boom: Property values in 'silicon hubs' of Cambridge, Reading and Oxford soar in last five years
- The beginning of the end for Help to Buy: Guarantee for 95% mortgages will close at end of the year after helping 86k buyers on the property ladder
- Mortgage approvals fall by 20% in a year as buy-to-let hangover and Brexit weigh on property market confidence
- Home sellers not buyers should pay stamp duty to help young on to property ladder, says building society
- Revealed: How parents are hit with a £100,000 mortgage penalty for sending their children to nursery
- Mortgage blow as Banks and building societies cut the amount of time a home valuation is valid
- Artificial intelligence comes to mortgages but would YOU feel comfortable with a machine giving you financial advice?
- Property in autumn bounce-back: Asking prices for homes start to pull back summer losses, says Rightmove
Latest from Saving & banking
- Why that 2p in your purse could be worth £1,400: The valuable coins that can turn up in your change... and the red herrings to watch out for
- Huge savings black hole revealed: How 17m Britons have less than £100 put away for a rainy day
- Savings deals that you MUST ditch right away: Big bank rates set to fall as low as 0.01%... but you can find better
- 50 brilliant tips to save you a fortune! Park on a stranger's driveway. Never go into a pound shop. And haggle over absolutely everything
- Fixed-rate savings rates down drastically on last year with top three-year deal now paying just 1.44%
- New £5 notes are selling for up to £200 on eBay - check the serial number to see if you have one of the most sought-after notes
- Tempted to stash money under the mattress over fears rock-bottom interest rates may one day turn negative? Our guide to securing the best home safe
- Banks under mounting pressure as financial fraudsters strike every 15 seconds
- Complaint launched against banks for leaving victims of 'safe account' phone scammers high and dry
- Shoppers face a nine day wait to get their hands on the new plastic Churchill fivers
ANSWERS FROM THE Experts
- TONY HETHERINGTON: My premium bond wins are missing, can you help?
- What happened to the pension contributions I paid more than 40 years ago? TONY HETHERINGTON replies
- If Belgium can banish ‘binary options’, then why can’t we, asks TONY HETHERINGTON
- ASK TONY: Swindon Council is chasing me for parking fine I thought I'd paid - and the bill is now £422
- ASK TONY: Mystery of the lost £80k in shares as Santander blames 'systems error' for losing retired couple's savings
- I paid £28 a month for years for two bank accounts I didn't need but NatWest won't give me a refund
- 'I need help...my tax affairs have gone off the rails': TONY HETHERINGTON tackles the Revenue
- ASK TONY: HMRC accused me of fraud over my working hours and wants £4,000 tax credits back
- Help! My ex used my account to order clothes online and I'm now getting hit with late payments and charges
- My flat has a prepayment energy meter, how much will it cost to switch it to a standard meter?
Latest from Holidays
- Holiday protection: How to get your cash back if an airline goes bust
- Can you trust a firm that says it can get rid of your timeshare - for a price? These families did - and regretted it
- 'We should have saved on tax but process was too complex': Buying at duty free? A trip to the high street could be cheaper
- 'I paid £88 for quiet, comfort and a family meal in the airport lounge': Tricks to get a taste of first class travel - on an economy ticket
- How to fight back if your holiday travel turned into a disaster: Train delayed? Flight cancelled? Ferries on strike? Our guide to getting your money back
- Fancy an autumn break where costs AREN'T rising? How the holiday hotspots measure up and the websites you can use to save money
- Holiday SOS: How to avoid monumental bills if you are taken ill or injured abroad
- Staycations to triple this Bank Holiday weekend - with Brighton and Skegness among the big winners
- A truly unforgettable holiday: One in ten Britons could take 23 years to pay for their trip - doubling the cost in the process
Currency | Rate | Buy now |
---|---|---|
Updated 02 Oct 2016. | ||
Euro | 1.1302 | Buy Now |
US Dollar | 1.2695 | Buy Now |
Australian Dollar | 1.6541 | Buy Now |
Canadian Dollar | 1.6663 | Buy Now |
Chinese Yuan | 8.29 | Buy Now |
Croatian Kuna | 8.3701 | Buy Now |
Czech Koruna | 30.33 | Buy Now |
Danish Krone | 8.3451 | Buy Now |
Egyptian Pound | 10.002 | Buy Now |
Hong Kong Dollar | 9.7768 | Buy Now |
Hungarian Forint | 343.44 | Buy Now |
Icelandic Króna | 137.4 | Buy Now |
Israeli New Shekel | 4.6441 | Buy Now |
Japanese Yen | 127.89 | Buy Now |
Malaysian Ringgit | 6.2624 | Buy Now |
Mexican Peso | 24.44 | Buy Now |
New Turkish Lire | 3.7051 | Buy Now |
New Zealand Dollar | 1.74 | Buy Now |
Norwegian Krone | 10.128 | Buy Now |
Polish Zloty | 4.8 | Buy Now |
Singapore Dollar | 1.7224 | Buy Now |
South African Rand | 17.542 | Buy Now |
Sterling | 1.0 | Buy Now |
Swedish Krona | 10.768 | Buy Now |
Swiss Franc | 1.2213 | Buy Now |
Thai Baht | 43.322 | Buy Now |
UAE Dirham | 4.6337 | Buy Now |
LATEST ON HOUSEHOLD Bills
- Bug busters: From hordes of hornets to toxic caterpillars, pests can wreak havoc - how to best eliminate them
- As the City watchdog unveils mis-selling from the middlemen, we explain how to seek and buy insurance
- Extended warranties: Get cheaper cover for your car, van or motorbike
- Watchdog to go compare the market: Online switching comes under scrutiny amid surging popularity of comparison websites
- Make it a piece of cake raising cash for charity: From Gift Aid to baking and donating blood, how to help good causes
- 'I spent two years trying to get a correct bill from ScottishPower': How to fight back as energy firms continue to infuriate customers
- SEVEN million households face energy bill shock by not giving regular meter readings to their supplier
- Cost of a wedding hits average of £25k after rising by a fifth in just one year - and a third of couples pay for it all themselves
- Eon pays out £3.1m after it failed to compensate customers when staff missed home appointments
- Insurers cheer as watchdog drops plans to probe whether harvesting of social media data could compromise policyholders
Latest from Cards & loans
- One in four millennials resort to credit cards to make ends meet - and 60% don't pay off their bill each month
- The credit card that can spread costs interest-free for 28 months: Tesco Bank offers shoppers market-leading purchase deal
- Barclaycard launches new credit card for travellers wanting to cut those holiday bills
- Borrowing has never been cheaper - but where should you look if you need more than the £7k-£15k 'golden bracket'
- Play your cards right: The best credit cards for spending, holidays, rewards or clearing your debts
- The best personal loan rates - and how to find the right one for you
- Borrow interest-free for three-and-a-half years! The best balance transfer credit cards to help clear your debts
- New Dual Credit Card offer from AA Bank charges no interest on balance transfers and purchases for 26 months
- Fed up of short-lived sign-up deals and crafty interest hikes? Here's our pick of the best low-rate credit cards
Latest from Investing
- CHARTERIS GOLD & PRECIOUS METALS: Fund delivers a 12-month return of 179% as gold prices rise
- Do you have an old Beano? Then you have an investment that could be worth £20k
- MIDAS SHARE TIPS: Uranium miner Berkeley Energia promises us a brighter future
- Should you ditch a property fund that locked away your cash? The three choices investors must consider
- Is your financial adviser as qualified as they claim: Which? probe finds glaring holes in spot checks on credentials
- Investing Show: Should investors worry about the US election, banks and a 'hard Brexit'?
- Why long-term investing works: How putting £10K into the stock market would have earned you £90K more than cash savings over three decades
- SMALL CAP SHARE IDEAS: Gemfields has a 'record' year as it takes a leaf out of De Beers' playbook
- THREADNEEDLE UK PROPERTY: Fund that avoids pricey London property re-opens after post-Brexit alarm subsides
THE INVESTING SHOW
- Investing Show: Can investors make money by keeping it simple?
- Investing Show: Rate cuts are pointless but infrastructure is the next opportunity for investors
- Investing Show: The value investor who likes unloved bank and supermarket shares
- Investing Show: Best places to invest around the world to beat Brexit
- Investing Show: Where should you invest and what should you avoid after Brexit?
- Investing Show: What do investors need to worry about after the Brexit vote?
- Investing Show: Five things you need to know about picking shares... and how to cut through the jargon
- Investing Show: Tips to build an investment portfolio - and should we worry about Brexit or deflation?
- Investing Show: Mergers, market crashes and a dividend hero's favourite shares
- Investing Show: Could a smart beta tracker improve your investments?
- Investing Show: How to spot the dividend stars of the future
- Investing Show: Top bank shares and how to pick the best funds
- Investing Show: Tim Price says buy Japan - 'the standout value opportunity'
Latest: money and Cars
- Clampdown on whiplash claims has saved insurers £1bn - but car owners are still feeling the pain as premiums RISE
- Paris Motor Show 2016: Forget the million-pound Ferraris and outlandish concepts... THESE are the 10 real-world cars you should be excited about
- Hot-hatch heaven: Honda previews the next-generation Civic Type R as Hyundai unveils outlandish RN30
- Aston Martin's gorgeous new 200mph DB11 is here, RAY MASSEY beats Bond to the punch to drive it
- Have you ever left your car keys with a stranger? Two in five have as vehicle thefts rise again and experts warn of key cloning conmen
- Forget deserts, snow and mud, Land Rover tests its new Discovery with a team of primary school kids to make sure it can cope
- Rub your eyes: This stunning sportscar isn't a Lamborghini or Ferrari... it's a Renault (and it could influence what your future family car looks like)
- Can Volkswagen rebuild its reputation? German carmaker reveals its 2020 electric car strategy with the Golf-rivalling I.D. concept
- Ferrari takes a tin opener to its £1million part-electric hypercar: Say hello to the open-top hybrid LaFerrari Aperta
- The new Land Rover Discovery revealed: With the help of some celebrity fans and a record-breaking Lego replica of Tower Bridge
Latest from Markets
- A tasty £18m slice of dividends for Ginsters pasty family as profits soar
- British hedge fund duo rack up £20m by betting against ailing Deutsche Bank
- Hat Trick Productions back into the black - just what the Doctor ordered!
- Tesco’s sales are motoring - but pension deficit grows to £5bn
- BT and regulator lock horns over Openreach as telecoms group fears a forced split could put its pension fund under pressure
- MARKET REPORT: Sweet smell of success for food flavours maker Treatt with strong trading update sending shares soaring
- End to jollies on the golf course: City Watchdog crack down on 'excessive' hospitality from investment firms
- DAILY BRIEFING: Lloyds slashes interest rates on its go-to Standard Saver account from 0.25% to 0.05%
- ALEX BRUMMER: Deutsche Bank is not Lehman Brothers but its sliding share price cannot be ignored
- Natwest is back as the bank for customers as owner RBS complies with ring-fencing requirement
TOP CALCULATORS
- This is Money's calculators and tools All our calculators in one place. See how they could help you
- Historic inflation: how the value of money has changed The effects of inflation since 1900 and what past prices mean today
- True cost mortgage tool - rates AND fees Compare the cost of rival fixed and tracker rate mortgages
- Mortgage affordability: How much you can borrow Find out how much you can afford to borrow and the difference between repayment and interest-only
- Monthly or lump sum savings calculator How much a regular monthly savings scheme could make or a lump sum could be worth.