Com insurance

If you’ve felt a pang of nervousness before opening the latest correspondence from your gas and electricity provider, you’re living in fear of a monster energy bill.

It doesn’t have to be this way.

According to Ofgem, 66% of all UK households are on standard variable tariffs,[2] which regularly turn out to be the most expensive option on offer.

Remember, there’s no bonus for loyalty when it comes to energy- it really does pay to shop around and switch to the cheapest deal.

Get informed
Take two! Is dual fuel for you?
Want to know more about energy? Take a gander at our Gas and electricity library
It’s not just homeowners who can get in on the energy switching action either, tenants could switch and save on their gas and electricity too.

Types of energy tariff
There are a few different tariff options for your gas and electricity needs:

Standard variable tariff — this is the provider’s default tariff, you’ll be automatically moved to it when your tariff ends
Dual fuel tariff — a tariff for both your gas and electricity. You’ll only need to deal with one supplier for both, but it’s worth shopping around to see if single fuel tariffs work out cheaper
Fixed rate tariff — yes, you guessed it. Your tariff is fixed for a set period, during this time it will not fluctuate up or down
Capped rate tariff — this allows the cost of your tariff to decrease and it won’t be able to increase above a predetermined amount
Green tariff — an environment friendly option which can either be 100% renewable or a mix of renewable and non-renewable sources
Collective tariff — enables people to group together to negotiate a deal on their energy with the supplier. You won’t be able to find this option on comparison websites
Prepayment energy tariff — You’ll have a prepaid meter in your home which you can top up to continue your gas and electricity
Bright sparks know that…
29% of people have never switched their energy provider, potentially missing out on big savings[3]
Small energy suppliers versus the ‘big six’
Size doesn’t matter, well at least not in the energy industry.

So make sure you check out smaller energy suppliers too, it’s worth taking a look at customer service reviews to see their track record and how they deal with customers, in particular complaints.

Switching energy tariffs
You can switch your energy tariff without picking up the phone and talking to anyone. Hoorah!

Just switch online and your new supplier will sort it all out, including contacting your current energy provider, so no awkward goodbyes.

You’ll experience no disruption in your energy supply and should seamlessly be hooked up to your new provider. It’s as easy as that.

Remember that you have a 14-day cooling off period between completing your application and the switching of your suppliers starting. So if you’re going to change your mind — that’s the time to do it.

Switching energy providers with GoCompare
We’ll automatically show you all the tariffs you can switch to through GoCompare however the option to see all other tariffs is shown clearly on the results page and you can toggle easily between both views.

How we get paid
Find out which energy suppliers you can switch to through GoCompare and how they pay us
This is a decision that we believe will help to increase competition in the energy market and ultimately lower prices for customers everywhere. It will also discourage unsustainable deals, whereby suppliers aren’t able to cope with high demand or rising wholesale energy prices.

If you decide to switch to a tariff that’s available through GoCompare we receive a small fee from the energy supplier once your cooling off period has ended. This fee helps us maintain our website, improve our services and invest in our people.

This fee isn’t lumped onto your bill though — you’d get exactly the same price if you went direct. That’s a promise.

If you choose a tariff offered through our service, you can purchase online, where we provide on-going support, and/or over the phone.

Want more on energy?
Of course you do, so spend some time in our Gas and electricity library where you can find out everything you’ve ever wanted to know about identifying your supplier, reading bills and meters.

And we can answer all those burning questions you have on boiler and central heating cover, winter fuel bills, money-saving tips and a checklist for moving home.
Cheap travel insurance quotes — it’s holiday time!
Get informed
Unzip the Travel insurance suitcase to read guides and tips
Don’t forget the suncream! Tick off our holiday checklist
The right travel insurance covers costly surprises while you’re away from home. A standard policy covers lost property, medical care, and delayed travel and may also include:

Emergency medical care< and service emergency clock the>
Personal liability to cover damage caused by you
Lost and stolen possessions cover for luggage, gadgets and passports
Cancellation protection covers delayed, postponed or cancelled flights
Curtailment cover, in case you need to cut your trip short
Compare travel insurance policies with us and you’ll find independent Defaqto star ratings to help you choose, so you’re not buying blindfolded.

What you’ll need for a travel insurance quote
Getting a travel insurance policy set up is often straightforward, but make sure you have the following to hand:

Personal and contact information
Details about pre-existing medical conditions
Whether you need single-trip or multi-trip insurance, or a backpacker/gap-year policy for long-stay trips over 30 days
If you need cover for winter sports, a cruise or a business trip
The start and end date
Your destination
Travel truths
7.3 million Brits had a staycation in the first quarter of 2016, choosing to holiday in England[2]
Brits made 65.7m trips overseas in 2015, 13 million of which were to Spain[3]
Put the Pina Colada down — being drunk can invalidate a claim
Once you’ve shopped around and found a favourite, you can buy then and there, or call the provider if you have any questions.

Should you choose the cheapest travel insurance?
If the policy is unbelievably cheap, double check it’s right for your holiday plans.

For instance, if you panic buy on the way to the airport, it may not compensate you if your airline cancels.

Need to know more about travel insurance?
Read our guides and top tips for safe and secure holidaying, home or away, in the Travel insurance suitcase.

You’ll find helpful info about abandonment, baggage, legal expenses, delayed or missed departure and how much compensation you can expect if a flight is cancelled. You can discover why you need insurance, how much cover is required, if adventure activities are included, and why you should carry a European Health Insurance Card (EHIC).

And, you’ll be walked through optional add-ons and specialist cover, such as policies for over-65s, people with pre-existing medical conditions and scheduled airline failure insurance (Safi).

Read up about how long-stay travel insurance may affect your home insurance, and discover how you could benefit from travel insurance when holidaying in the UK or in a caravan.

We’ve also unearthed why doubling up on insurance could be a costly mistake, and how you can avoid claim rejections.

And finally, for sports holidays and cover, we’ve got the scoop on winter travel insurance, cover for skiing and other winter sports.
Key points
Avoid monster bills by comparing a whole host of policies and insurers
Don’t roll over — auto-renewing can send your premium skyrocketing, and comparing can bring it back down to earth
Balance the price and policy to find the right insurance for you
Insurers want extra money from your pay packet, and usually, they get what they want.

Seriously — take a look at your latest bill. Now look at the same one from a year ago. Are you paying more?

If the answer is ‘yes’, you may well wonder why.

Your insurer grows its stash of cash by automatically renewing your policy every year and charging you more for the pleasure. Sometimes the price hikes creep up on you, and other times it’s an in-your-face monster, devouring your hard-earned savings in one big gobble.

Chances are you’re here because you’ve noticed your premium change for the worst. You did the right thing — let’s get started.

Need more information?
Insurance articles and guides
FAQs on Gocompare.com
Dare to compare
Auto-renewal is lauded as ‘hassle-free’ — no thinking, or bother required, and astonishingly that’s a justification for loading on pounds, low-key.

Shoppers — rise up! There’s no need to roll over and accept a hiked premium, or overpay for insurance, ever.

Huge insurance savings are ripe for the picking, but only those who dare to compare, win.

Price versus policy
It’s not all about the money, money, money — you may also find that you get a policy that rocks your world and ticks the boxes, at a price you’re comfortable with.

GoCompare built its name and reputation on its ground-breaking insurance comparison service, and this remains at the heart of everything we do.

We were the first comparison site to focus on showing you the features of insurance policies as well as the price, and as we’ve developed our services the aim continues to be to find you the right product at the right price.

To help make your choices fair and simple, we’ve introduced features such as Defaqto product ratings — star-gradings of policies from an independent financial research company which is recognised and respected throughout the insurance world.

Insurance essentials
The costs of auto-renewal
Avoid doubling up on cover
Declarations and non-disclosure
We’ll give you the information you need, completely unbiased.
We’ll help you find the right products — less time, less hassle.
We’ll never sell your data. Ever.
We’re the only price comparison site that has British Insurance Brokers’ Association (BIBA) membership, a fact that helps us keep up with the latest in best practice, and we’re authorised and regulated by the Financial Conduct Authority.

GoCompare has got you covered
We’re best known for car and vehicle cover, but there’s so much more to us than that.

If you need property, life, health, income, pets, business and travel insurance, we’re your go-to.

Get quotes for this and more, plus read product guides and articles, watch videos, or take time to tot-up your costs with calculators and myth-bust your finances with quizzes to help answer all your questions.

Or, just chat to our customer service team (they promise not to sing… unless you want them to!)

So, don’t let your insurer trap you for two, three, four or more years with an increasingly demanding bill. Kick auto-renewal to the kerb and find an insurance policy that’s fairer on your bank account.