Author

Martin Lane Photo

Martin Lane

Former Managing Editor

About the Author

Martin Lane has seven year's experience writing and editing personal finance articles.

In that time he has extensively covered topics including car insurance, loans, property and travel.

Martin left Money.co.uk in 2019.

young couple with marital difficulties

What does divorce mean for your mortgage?

Getting divorced or splitting up with your partner when you have an outstanding joint mortgage together can be difficult. Here are your options to make it less stressful.

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Should you bother with an extended warranty?

Your household appliances could be expensive to replace if they break down. But should bother with an extended warranty?

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couple-on-phone-outside

Is banking on your smartphone safe?

If you live life on the move, mobile banking can seem like an ideal way to keep track of your finances. But is it a safe way to manage your money?

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In debt? What's the worst that can happen?

Being in debt and struggling to pay your bills can be frustrating and stressful, especially if you are feeling pressured into making repayments you cannot afford. But how far can companies actually go to reclaim your money?

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How to keep your bank details safe online

We now buy everything from holidays to groceries online and use the internet for much more besides. But while there are countless benefits you do need to protect yourself. Here's how to stay safe online.

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Girl standing by broken down car

What you need to know about car warranties

A warranty could help with the cost of fixing your car, but how do they work and what do they cover? Here is what you need to know about car warranties.

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girl in city holding red umbrella

How much money do you need to go travelling?

Wherever you plan to go in the world you will need to work out how much money to take on your travels. Here is what to consider before your trip.

How much money you need when travelling

Council MOT centres: the route to a hassle free MOT?

If you’re fed up with worrying about unscrupulous garages making your car’s MOT a misery, turning to a council MOT centre could be the answer.

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Woman on phone after car breakdown

How to claim on your car warranty

If your car breaks down or needs replacement parts, your warranty insurance may be able to cover the cost. Here is what you need to know about claiming on your car warranty.

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Direct debit rules: FAQs

Direct debits can be a convenient and hassle-free way to pay your bills, leaving the company you are paying to do all the leg work. Here we answer all your most common direct debit questions...

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7 ways to cut the cost of living alone

Without anyone to help pay the bills, the cost of keeping a roof over your head can soon rack up. Here are 7 things you can do to cut the cost of living by yourself

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How to save enough money to move out

If you're stuck at home living with your parents, here's how to make your dream of moving out a reality.

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Person on a zoom call on their laptop

What is an investment trust?

Investment trusts allow you to team up with other investors and an expert fund manager, but to get the best return possible you need to choose the right one. Here is a breakdown of how they work and how they can make you money.

Find out more about investment trusts
Women in a meeting

Should you invest in investment trusts?

Investment trusts have lower fees than other grouped investments but can be more risky and volatile too. Here is how to decide if they are the right choice for you.

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How to turn a temporary job into a permanent one

Landing a temporary job can be a great way to get some experience and earn a little extra cash in the short term. Here's how to turn your short term job into a permanent arrangement.

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Newlywed couple sitting on park bench

How will getting married affect your finances?

We all know that tying the knot can affect your day-to-day money management, but exactly what effect does marriage or a civil partnership have on your financial status? We take a look.

More on getting married and your finances

Sneaky wedding costs to look out for

Keeping track of all the different costs involved in organising a wedding is hard, particularly when there are so many hidden expenses that can sneak up on you when you least expect it.

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How to pay for your wedding abroad

One in five British couples are getting married abroad to cut costs without sacrificing quality, but many are losing out by overlooking their options when making overseas payments.

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How is inheritance taxed?

Inheritance tax is undoubtedly one of the most unpopular taxes in the UK, yet for the vast majority of people there is nothing to pay. So what exactly is Inheritance Tax? Here is what you need to know.

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NHS dentist charges: are you paying too much?

Going to the dentist isn't just painful, it can also be expensive, which makes knowing your NHS treatment options even more important. Here is how much you should be paying for your dentist.

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How to claim on an extended warranty

If your appliances break or are faulty, you may be able to claim for repairs on your extended warranty insurance. Here’s how these policies work and how to make a claim.

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How do extended warranties work?

An extended warranty could pay for repairs if your household appliances break. But what do they cover and are they worth it? Here is what you need to know.

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Couple buying car

Warranty insurance: is it worth it?

A car warranty can help with the cost of repairs if something goes wrong, but you need to check terms and conditions carefully to avoid policies that don’t pay out when you need them to.

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Do you have to pay private parking tickets?

Getting a parking ticket can make your heart sink, but not all parking notices are the same. Here is a breakdown of which parking fines you can ignore, and when you have to pay up.

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Can you keep money accidentally paid into your bank account?

We all dream of receiving an unexpected windfall, but what are your rights if you receive an accidental payment into your bank account? We explain all the rules.

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touring-caravan-in-a-field

What is caravan insurance and what does it cover?

Caravan insurance can protect your caravan in the event of an accident or theft. Read on to find out how it works and how to get the right policy to cover your caravan.

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businessman-with-financial-newspaper-and-laptop

6 easy ways to get finance for your business

If you want your business to grow and reach new heights you may need to borrow money. Here is a closer look at your different business finance options.

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two-businessmen-using-computer

How do business loans work?

If you need funds to help your business grow or expand, a business loan could offer the solution you need. Here is how they work and how to get the right loan for your business.

More on how business loans work
Couple with debts

What's the cheapest way to borrow money?

There are hundreds of reasons why you might need to borrow, but unless you're on the ball you could end up pouring your money away on beefy interest rates and bank charges. Here are the best ways to borrow whatever you need the money for.

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Couple browsing in electronics store

Your pay weekly store questions answered

Weekly payment stores let you rent expensive goods at an 'affordable' price, with a view to buying them at the end of the term. Where's the catch?

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business credit card

What is a business credit card?

If you run a business or make purchases for the company you work for, a credit card could be the best way to spend. Here's what you need to know about business credit cards.

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business-people-on-laptop

How borrowing could boost your business

With the right type of borrowing you could pursue business opportunities that would otherwise pass you by, here's how.

Read more on borrowing for your business

4 ways to borrow a small amount of money

Sometimes borrowing a small amount can be trickier or more expensive than taking out a larger loan. Here are some of the cheapest ways to borrow if you only need a small sum.

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Paper houses, a magnifying glass and a calculator on a table looking down from above.

What is a homeowner loan?

You could use your property to help you borrow money with a homeowner loan. Here is how they work and what you need to consider before getting one.

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How to complain about financial services

If you are left out of pocket or are mistreated by your bank or insurer you may want to complain. Here is how to get your complaint heard.

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Women in striped shirt writing on paper pad

Are you paying too much tax?

Thousands of people across the UK are paying more tax than they need to, are you one of them? We explain how to check and challenge your tax code.

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How to negotiate house price rises and discounts

Here are 7 simple ways to haggle down the asking price so you can make big savings on your new home - even if you are not a natural at negotiating.

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money.co.uk comments: LateRooms and Superbreak go into administration

Malvern Group, which owns Superbreak and LateRooms, has announced that it has gone into administration.

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money.co.uk comments: water bills set to be cut by £50 over five years

Water bills in England and Wales are set to fall by an average of £50 between 2020 and 2025, under plans published by the industry regulator. Ofwat said firms would also have to invest an additional £6m each day in improving services for customers.

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money.co.uk comments: Boardmasters music festival cancelled at short notice

Boardmasters — Cornwall's biggest festival — has been cancelled with just a few days' notice due to a severe weather forecast.

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DVLA surrenders to industry pleas for online code extension to 21 days

Following 10 July 2015 announcement by the DVLA that the validity of the online code required to 'share driving licence' details with car hire companies has been extended from just 72 hours to 21 days, Hannah Maundrell, Editor in Chief of money.co.uk, comments.

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Looking for a bargain on Prime Day?

The countdown to Prime Day 2019 has already begun with early deals on Amazon brands, including four months of Amazon Music for only 99p1. But the real bargains kick off at 00.01am on Monday, 15th July and run until 11.59pm on Tuesday, 16th July, making this the biggest Prime Day event ever - or should that now be Prime Days?

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How to claim on your gadget insurance

If one of your gadgets is lost, stolen or damaged, your insurance could help you cover the cost of replacing it. Here is what you need to know about claiming on your gadget insurance.

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Smiling woman holding smartphone

Do you need mobile phone insurance?

Mobile phone insurance could give you peace of mind, but if you are unlikely to claim you could be wasting your money. Here is how to decide if you need mobile phone insurance.

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driver-upset-after-car-crash

What is excess insurance?

Paying an excess for an insurance claim can be expensive, but there is a way to recover the cost. Here is what you need to know about excess insurance.

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Should you get gadget insurance?

If you worry about the cost of replacing your gadgets if they are damaged or stolen, a gadget insurance policy could save you money. Here is how to decide if you need gadget insurance.

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What is gadget insurance?

If your gadget breaks or gets stolen, a specialist insurance policy can cover the cost of repair or a replacement. Here is how gadget insurance works and how to get the right cover.

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man studying paperwork in dim light

How to switch your business electricity

Switching business electricity could save you thousands of pounds on your energy bills. Here's how to switch supplier and cut your business electricity bills.

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business meeting around a table

How to get the best business electricity tariff

Knowing what you need from your electricity service and getting the cheapest quote could save you money on your energy bill. Here is how to choose the best business electricity tariff.

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Stressed couple looking at bills

Are debt collectors allowed to harass you?

We explain exactly how and when debt collectors are allowed to contact you so that you can prepare yourself for when they call, and complain when they've overstepped the mark.

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smiling-woman-in-car

Should you get excess insurance?

Excess insurance can cut the cost of claiming on other policies and protect you from expensive hire car charges. But do you need it? Here is how to decide if it is right for you.

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car-broken-down-man-on-phone

How to claim on your excess insurance

If you have to pay to make a claim, excess insurance could help you recover the cost. Here is how to make a claim on your excess insurance policy.

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Why there's never been a better time to ditch your TV package...

If you're paying a fortune each month for a Sky or Virgin Media subscription, now could be the time to think about cancelling. Here are the best ways to get your TV and movie fix for less.

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What are your rights if your flight is delayed?

If you have been left stranded at the airport, you could claim compensation from the airline. Here are your rights if your flight is delayed.

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The piece of paper that will help sell your home

Every home for rent or sale needs one, but what difference will an Energy Performance Certificate really make when it comes to sell your home? We explain.

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Can Short Term Foster Parents Get Financial Help?

If you provide short-term foster care or are considering foster care on a part-time basis this guide outlines what support is available to help you cover the costs.

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How to complain about a debt collection company

If you have been harassed, publicly embarrassed or treated unfairly or unreasonably by a debt collector or a bailiff you are entitled to complain.

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How to stop spam text messages

Spam texts are not only a minor irritation but also a menace that catches out even the savviest of mobile users. Here is how to stop spam texts dead in their tracks.

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Debt collector talking to woman

How to deal with debt collectors

Knowing how to deal with a debt collection company if you are approached for money can ensure you're not intimidated or misled. Here's how to handle debt collectors and avoid the traps they set to get you to pay up.

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Why did my application for credit get turned down?

Being turned down for credit is inconvenient and worrying, especially if you don't know why it's happened. Find out why your application might have been rejected by the bank and what you can do about it.

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What do the Child Benefit changes mean for your finances?

Child Benefit rules have changed and you may now need to pay back some or even all of your benefit to the taxman. We examine how the changes affect you and if there is anything you can do to keep your Child Benefit.

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Free fertility treatment: how to play the NHS lottery

If you need fertility treatment and don't have oodles of cash to spare, it's likely you'll have to face the NHS postcode lottery. We explain why the treatment on offer depends on where you live and exactly what you should expect.

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Gift vouchers for companies in administration: your rights

We explain your options if a store that you have gift vouchers for falls into administration.

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Emigrating? How to prepare your finances for moving overseas

Starting your new life in some far flung corner of the world is both thrilling and daunting in equal measure. Here's how to prepare your finances for the move, wherever you're emigrating to.

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9 easy ways to add value to your home

Want to increase the price of your home without spending a fortune? Here are 9 easy ways to add value to your property without getting the builders in

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Negative equity but need to sell: Your options

Being stuck in negative equity when you need to sell your home puts you in a difficult situation - but there are ways to get around the problem. We explain your options.

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How to afford to send your child to university

If you have a child hoping to go to university in the next few years, chances are that you are more than a little concerned by the jump in tuition fees. Here is what you can do to prepare your finances and theirs for university life.

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Woman shouting on phone

How to claim for mis-sold insurance

If you have been mis-sold insurance you could be able to claim compensation to replace the money you have forked out unnecessarily. Here is how to claim your money back from the banks so you are not left out of pocket.

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Homeschooling: good for your child & your finances?

A good education will teach your child all the life skills they need to succeed and set them up for the future. A home education can be just as rewarding as sending them to school. We investigate if it makes financial sense.

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Gifting money to your children: FAQs

Helping your children out financially is something most parents would like to do, but you need to be careful they don't end up giving it away to the tax man. Here's what you need to know.

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8 ways to raise money for charity

Finding different ways to raise cash for a good cause can be fun and entertaining, as well as providing your chosen charity with some vital support. Here are 8 ideas for raising money for charity.

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How do you claim tax back?

Paying tax is a fact of life for most of us, but it is surprisingly easy to pay too much and leave yourself out of pocket. Here is how to claim tax back from HMRC.

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Man holding phone up to search for signal

Can you cancel your mobile phone contract if you can't get signal?

Being stuck without signal can be frustrating, but does it mean you can ditch your network and break your mobile contract without charge? Here is when you can cancel your contract without facing a hefty fee.

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11 secrets for successful property viewing

Whether you are looking to rent or buy, viewing potential properties is a key part of house hunting. Here is how to make sure a property is really worth your money.

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Couple looking at bills

What are your rights if your rent goes up?

If your landlord puts your rent up is there anything you can do? Here is a breakdown of your rights as a tenant.

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Can debt collectors take money from your bank account?

Worried that cash will be taken from your bank account by companies you owe money to? We explain whether this is likely and what you can do about it.

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Where to watch free films and TV online

Watching films and TV shows online can be cheap and convenient, but you could be breaking the law if you use dodgy websites. Here's where you can watch TV and films for free.

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row of houses

How to switch your mortgage deal mid-term

Would you switch your mortgage mid-term if you could save money? Here is what you need to know before you decide.

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How to insure your business

Whether you are a sole trader or you own a large company, business insurance is a must. Here is why you need insurance and how to get the right cover.

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Friends watching tv

7 easy ways to watch live sport for free

Watching free sport on a dodgy website is illegal, the quality probably won't be great and your stream could cut out at any moment. So, what's the best legit way to watch live sport free?

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Scientist looking into a microscope

Revealed: The life threatening bacteria on your cash

We've teamed up with the London Metropolitan University to put cash under the microscope and the results are shocking. Here are the facts about how dirty money is.

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Can you afford a mortgage?

Before you buy a home, check whether you can afford the cost of a mortgage. Here is how to check if lenders will accept your application and if you can keep up with the repayments.

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Mortgage broker or direct deal?

Mortgage broker or direct deal

Here are all the advantages and disadvantages of using a mortgage broker vs applying for your mortgage direct. This will help you decide on the best way to find a mortgage.

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Man using smartphone at home

How does mobile phone insurance work?

You could pay hundreds of pounds to replace your mobile phone if it gets lost or damaged. Here is what you need to know about how mobile phone insurance works.

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Flooded house

How to claim on your landlord insurance

If your rental property is damaged or your tenants stop paying rent, your insurance could help you recover the costs. Here is how to claim on your landlord insurance.

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Well lit house surrounded by snow

How to choose the right landlord insurance

Getting the right cover for your rental property is vital to protect it if the worst should happen. Here is how to choose the right landlord insurance.

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Couple being evicted

What is rent guarantee insurance?

If you rely on your rental payments as income, you should consider insuring against your tenants failing to pay. Here is how rent guarantee insurance works and how to find cover.

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Satisfied man outside house

What is landlord insurance?

As a landlord, it is important to get the right insurance to cover your property and legal responsibility to your tenants. Here is what you need to know about landlord insurance.

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What is business insurance?

Business insurance is essential if you run your own company, and you could be breaking the law without it. Here is how business insurance works.

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How to claim on your business insurance

If your business suffers a financial loss, your insurance could cover the cost. Here is what you need to know about making a claim on your business insurance.

What you need to make a claim
man-and-woman-putting-cash-in-piggy-bank

How to save on your landlord insurance

Getting the right landlord cover is vital for protecting your rental property, but there are lots of ways to save money on your policy. Here is how to cut the cost of your landlord insurance.

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Plumber fixing boiler

How to find boiler cover for your buy to let

Getting the right boiler insurance can cover the cost of replacing it if it breaks, and ensures your tenants are never without heating. Here is what you need to know about boiler cover.

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Couple in coffee shop using mobile phone

How to claim on your mobile phone insurance

If your mobile phone is lost or damaged, you could cover the cost of repairs or a replacement with your insurance. Here is what you need to know about making a claim.

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How to get help with vet bills

Keeping your pet healthy can cost you a lot, especially if you get a big vet bill. But if you need help paying, there are several ways you can get financial assistance towards veterinary bills.

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Woman on motorbike

How to choose the right motorbike insurance

Insurance is essential if you ride a motorcycle, but finding the right policy depends on the type of bike you ride and how you use it. Here is how to find the right motorbike insurance.

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Motorbike going around corner

What is motorbike insurance?

The right motorbike insurance can cover the cost of repairing or replacing your bike if it is damaged or stolen, while riding without it is against the law. Here is what you need to know.

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office interior

How do business gas tariffs work?

Finding the right gas tariff is key to saving money on your bill, no matter how big your business is. Here is what you need to know about business gas and how to find the best deal.

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business people on laptop

How to choose the best business gas tariff

Knowing what you need from your service and shopping around early could save you money on your gas bill. Here is how to find the best gas tariff for your business.

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business-people-in-meeting

How to switch your business gas

You could save money on your gas bill by switching supplier, but it is important to time it right to avoid being tied into your existing contract. Here is how to switch your business gas.

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Lifesaving equipment installed outside money.co.uk Castle in Cirencester

A defibrillator which provides 24 hour emergency care has been installed on the wall of the money.co.uk Castle, next to the Open Air Swimming Pool, after a donation was made from the Cirencester Round Table.

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