Author

Matt Fernell photo

Matt Fernell

Financial Content Writer

About the Author

Matt Fernell spent 6 years covering personal finance for money.co.uk.

During his time with us he wrote extensively on car and travel insurance, as well as covering consumer rights, investing and more.

Matt Left money.co.uk in 2019.

How to write a budget

Take control of your money and find out what you're spending it on every month. Here is how to draw up a budget to stay on top of your finances.

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woman-using-cash-machine

Is it time to ditch your cash?

We are fast becoming a cashless society, so do you really need to keep using physical money? Here's how to work out whether it's time you ditched your cash.

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couple-making-a-checklist

Your ultimate checklist for getting control of your cash

Get on top of your finances, stay out of debt and make the most of your money with this ultimate checklist. Here's what you need to do to get control of your cash.

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Should you invest in a buy-to-let property?

Investing in a buy to let property can be a profitable way to use your money, but there are downsides you need to consider. Here are the pros and cons of buying a property to rent out.

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A beginner's guide to self assessment

The deadline for submitting your online self assessment tax return is approaching fast. Here is what you need to know to file your return on time.

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Young man drinking coffee in cafe

What is the best way to invest your money?

Investing will usually earn you better returns than a savings account over the long term, but it’s important to choose the right approach. Here are the different ways you can invest your cash.

Read more on ways to invest your money
Bride and groom kissing in garden

How to make a wedding insurance claim

If you have wedding insurance and something goes wrong on your big day, your policy is there to cover the cost. Here is how to claim on your wedding insurance policy.

More on wedding insurance claims
An interracial couple of newlyweds walks along the shore of a mountain river.

What are the best ways to pay for your wedding?

Your wedding will be an amazing day, but an expensive one. Choosing the right way to pay for your big day could help you come in on budget.

More on ways to pay for your wedding
business man at home on laptop

How do you invest in OEICs?

OEICs offer a way to invest your money in a wide range of assets without the hassle of managing them yourself, here is how to get started.

Find out more about how to invest in OEICs
Woman on an electric bike in the countryside

What is bicycle insurance?

If you cycle regularly, getting the right insurance is vital to keep you and your bike protected. Here is everything you need to know about bike insurance.

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Business woman at desk

ASU vs income protection insurance

ASU and income protection both pay an income if you can't work, but choosing the right one is vital to protect your household finances. Here is how to choose the right cover for you.

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What is pet insurance?

If your pet is like one of the family you will want to make sure they are protected if they fall ill or go missing. Here is everything you need to know to find the best pet insurance policy.

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A row of Victorian terrace houses

Can home insurance cover subsidence?

If your home suffers from subsidence, finding an insurance policy to protect your property can be tricky. Here is how to get cover if your property has experienced subsidence.

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large empty house

Can you insure an unoccupied house?

If you own a property that will be left empty, you need a specialist home insurance policy to protect it. Here is how to cover your unoccupied home.

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Man on ladder cleaning gutter

8 ways to cut your home insurance costs

Your home insurance gives you valuable financial protection against things like fire and theft, but you should not pay more than you have to for cover. Here is how to save on your policy.

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Can home insurance cover flooding?

If your home floods, the costs of repairing the damage can be huge, so it pays to have a home insurance policy that can cover the cost. Here is how to find a policy that can cover flooding.

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Empty road through a village, with small houses on either side of the road.

How to insure your second home

If you own a second home in the UK, you may need specific home insurance to protect it. Here is how to cover your second home.

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What breakdown cover is right for you?

Whether you drive every day or only occasionally, breakdown cover gives you peace of mind that help is at hand if something goes wrong.

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couple-in-city-on-bicycles

Can you get insurance to ride your bike abroad?

If you are planning to take your bike on holiday with you, the right insurance policy will keep it protected. Here is how to insure yourself to cycle abroad.

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happy-senior-couple-at-the-wheel-of-boat

What is boat insurance?

Whether you have a yacht, narrowboat or dinghy you need to make sure it is protected on water and land. Here we explain everything you need to know about boat insurance.

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How to manage your pet insurance policy

Pet insurance is critical for any pet owner, but how do you make sure it’s valid when you need to claim? Here’s everything you need to know about managing your pet cover.

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Man skiing down mountain slope

Can you get cover for extreme sports abroad?

If you love doing extreme sports on holiday, make sure you have cover in place before you travel. Here is what sports you can get cover for, and how to find the right policy.

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couple cycling side by side along the street

How to claim on your bicycle insurance

If you have bicycle insurance and your bike gets damaged, stolen or you are injured while riding, you can claim to cover the cost. Here is how to make a bike insurance claim.

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Young woman walking bicycle down countryside road in the sun

Do you need bicycle insurance?

Bicycle insurance gives you financial protection if your bike is lost, stolen or damaged or you get into an accident, but is it worth the cost? Here is how to work out if you need bicycle insurance.

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Make sure your pet insurance pays out

Protecting your pet with a good insurance policy is a great way to help keep them healthy, but making a successful claim is not always guaranteed. Here are the exclusions to look out for.

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Man standing by van

How does van insurance work?

Understanding what insurance you need if you drive a van is important if you want to get the right cover at the right price. Find out more in our guide.

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Man standing in front of van

Should you get short term van insurance?

Short-term van insurance can be a good option if you only need to insure a van for a short period of time. Here’s what you need to know.

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Do you need commercial breakdown cover?

If you use your car or van to earn a living, or you manage a fleet of vehicles, keeping them on the road is essential. Here is everything you need to know about commercial breakdown cover.

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Young travel with backpack sitting by train tracks

How to make a travel insurance claim

If something goes wrong on your travels you may need to make a claim on your travel insurance policy. This step by step guide explains how to go about it.

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boy-watching-the-sunset-from-pier

Should you get single trip or annual travel insurance?

If you are heading off on holiday, you’ll need to choose between a single trip or annual travel insurance policy. But what is the difference, and which is right for you? Here is how to find out.

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senior-couple-walking-on-the-beach

How to get travel insurance as you get older

Your travel insurance premiums tend to increase from the age of 65 onwards, and your cover could become restricted. Here is how to find a policy that gives you the cover you want without paying over the odds.

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golfer-course-club-glove.

What is golf insurance?

Golf can be a pricey hobby, but you can protect yourself and your expensive equipment with an insurance policy. Here is how golf insurance works.

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Older couple on beach

How to get travel insurance with pre-existing conditions

If you have a medical problem, you may find it harder and more expensive to get travel insurance. Here is how to get cover even if you have a pre-existing condition.

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Modern villa with a garden and a pool in sunny weather.

How to insure your holiday home abroad

If you have a second home overseas, you need to make sure it is properly insured. Here is everything you need to know about insuring your holiday home.

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Plumber fixing some pipes under a sink.

What is home emergency cover?

If you have a problem in your home that needs fixing straight away, a home emergency policy can get you the help you need. Here is what home emergency cover can protect you against.

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man outside working on laptop

How to manage your home insurance policy

Once you have insured your home, you need to keep your cover up to date to make sure it stays valid. Here is how you can manage your home insurance policy.

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students watching tv on sofa

What home insurance do students need?

If you are a student, you’ll likely have expensive belongings that you need to protect, whether you live in student halls or with friends. We explain how to get the right student home cover.

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2 Scottish houses by a road. One house has a white door and the other has a red door.

What home insurance do you need?

Whether you live in a flat or a mansion, getting the right home insurance policy is essential. Here is how to find the best cover for your property.

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How to get your home winter ready

Make sure your home is ready for the winter months by checking you have the right type of home insurance in place.

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Do you need to insure your boiler?

If your boiler breaks down you could be left without hot water and heating, as well as facing a huge repair bill. Here is how boiler cover can help you get it fixed without it costing the earth.

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This is an image of a house in need of repair

What does building insurance cover?

Protecting your home with buildings insurance can save you a great deal of money if something goes wrong. If you’re wondering precisely what buildings insurance covers, this guide has the answers.

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What does contents insurance cover?

A contents insurance policy will protect your personal belongings, whether you own or rent your home. Here is what home contents cover can protect you against.

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Hand holding a credit card

What are credit cards?

Here is how credit cards work, what they cost, whether you need one and if so what type of card you should get.

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managing credit card using laptop and mobile phone

How to manage your credit card

Knowing how to manage your credit card can help you get the most out of it and save money. This is how to make using your new card hassle free.

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Man on sofa looking at a credit card

How to understand credit card charges

Here are the credit card charges you need to know about and how to avoid them.

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top half of a alarm clock

How long does it take to get a credit card?

It can take up to 10 working days for your credit card to arrive in the post. But you may be approved for the card on the same day you apply.

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How to apply for a credit card

If you want a new credit card, here is exactly what you need to do to find the best deal for you and apply for it.

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credit card in a portable credit card reader machine

How to use a credit card for interest free purchases

0% credit cards do not charge you interest on your purchases for a set period of time. They're commonly used for buying big, expensive products so you can spread out the cost.

More on using a credit card for interest free purchases

How to pay off your credit card

There's more than one way to pay off credit card debt. Whatever you choose to do, you could drastically cut down your interest payments and become debt-free sooner.

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Teacher with two young students

Tax Free Childcare vs Childcare Vouchers: which is best?

The Tax Free Childcare scheme replaced the old employer supported voucher system, but is it any better? Here's a look at what's changed and how it could hit your pocket.

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How to insure yourself to drive someone else's car

If you want to drive a car you do not own, you will still need cover in place. Here is how to make sure you are insured to drive someone else's car.

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When does your car need a SORN?

If you have a car you do not drive, you cannot leave it off the road without either insuring it or applying for a SORN. Here is what you need to know about declaring your car off the road.

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What is car insurance?

We all need car insurance to drive, but with so much choice finding the right cover can be tricky. Understanding the basics is vital to finding the best policy.

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Man investing using mobile phone and large monitor

How to start investing in shares

Has your savings rate got you looking for alternative ways to use your hard-earned money? Whether it's for long term growth or to generate income, investing in shares can be a profitable way to use your savings!

More about how to start investing in shares

What insurance do you need for your taxi?

If you are a new taxi driver looking for cover, or a seasoned pro looking for the best policy, here is everything you need to know about taxi insurance.

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Should I buy additional legal cover on my car insurance policy?

Your car insurance policy will cover you against most costs, but what if you need to go to court following an accident? Legal cover could help — here is everything you need to know.

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How to afford car insurance as a new driver

Passing your driving test is a great reason to celebrate, but before you hit the road you need to be insured to legally drive. As inexperienced drivers are often charged high premiums, it pays to do your research before you buy a policy.

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Car crash: What to do

Our step-by-step accident guide takes you through what to do at the scene of a road accident to help you sort it out as quickly and easily as possible.

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How does a no claims bonus save you money?

Having a no claims bonus is one of the best ways to keep the cost of your car insurance as low as possible. But what is it, and how does it work? Here is how your no claims will save you money.

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Which car insurance extras are worth having?

You can pay extra for more features on your car insurance policy to tailor it to your needs, but are all worth the cost? Here is what you need to know to get a personalised level of cover.

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Man in a wheelchair wearing a red jumper and black gilet, opening the door of a car.

How does car insurance excess work?

When you claim on your car insurance, you usually still need to pay some money yourself. This is called your excess. Here is everything you need to know about car insurance excess.

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How do you make a car insurance claim?

Your car insurance is there to protect you and your finances. You hope you never have to, but making a claim is a key part of having a policy. This is how to make a claim on your car insurance policy.

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Can you put your child on your car insurance?

If your child has just started driving their insurance premiums will be sky-high. One way to help them pay less is to add them to your policy, but it comes with a number of risks.

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What to do if your car suffers flood damage

If your car has been damaged by flood water, you will need to contact your insurance company to see if they can cover the cost. Here is how to claim against flood damage.

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10 easy ways to cut your car insurance costs

Your car insurance is something you have to pay for, but there are plenty of things you can do to reduce your bill. Here are 10 top tips to cut the cost of your car insurance premiums.

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How to manage your car insurance policy

Once you have car insurance you are financially protected when you drive on the roads, but you must keep it up to date. This guide explains how to renew your policy, upgrade your cover and tell your insurer about changes in your circumstances.

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Man looking at van with packages

What is commercial van insurance?

If you use a van to make a living, it is vital you get the right protection so that you are covered if something goes wrong. Here is how commercial van insurance works.

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Woman driving a car with one hand on the wheel and the other on the gear stick.

Can black box insurance save you money?

Black box insurance can be a great way to keep your premiums down, especially if you are a new or young driver. Here is everything you need to know about how it works, and how to find the best policy.

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Should I increase my insurance excess?

Increasing the excess on your insurance can mean cheaper premiums, but it will also mean you pay out more if you need to make a claim. We discuss the pros and cons.

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What is breakdown cover?

Whether you drive every day or only occasionally, a breakdown policy gives you peace of mind that help is at hand should something go wrong. Here is how breakdown cover works.

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family-buying-a-new-car

Is it worth getting gap insurance?

Gap insurance can protect the value of your vehicle if you have an accident or it is stolen, but is it worth buying? Here is how to work out if gap insurance is right for you.

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How to save with multi car insurance

If you have more than one car at home, insuring them all on one policy is a great way to get a discount. Here is how you and your family could save with multi car insurance.

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A buyer's guide to pet insurance

If you want to protect your pet, getting the right insurance policy is essential. Here is what you need to do to find the best cover.

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How to insure your pedigree pet

If you have spent a lot of money on a pedigree dog or cat you will want the right insurance in place, especially as they can be more prone to illness than mixed breeds. Here is how to find the best cover for your pedigree pet.

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How to claim on your pet insurance policy

If your pet needs to see the vet or goes missing, claiming on your pet insurance can help cover the cost. Here is a step by step guide to making a successful claim.

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2 puppies outside playing with a pumpkin.

How to insure multiple pets at once

If you have more than one pet it can be cheaper and easier to insure them on the same policy. Here is how to get the right multi pet insurance for you.

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Woman kissing a dog on the head outside.

Can you get insurance for older pets?

As your pet gets older it may be harder and more expensive to find insurance. Here is what to look out for when searching for pet insurance for older animals.

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Girl with dog

Can you get cover for your pet with existing conditions?

Even If your pet has suffered an illness, you can still find a pet insurance policy to cover them. Here is what cover you can get for your pet's conditions and how to find it.

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How to find the right backpacker travel insurance - Young traveler on railway

How to find the right backpacker travel insurance

If you want to explore the world for a few months you might need a backpacker insurance policy to protect you. Here is how to find the right cover for your extended trip.

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couple-sat-in-boot-of-car

How does gap insurance work?

If you have bought a new car, a gap insurance policy can cover the loss in value if your vehicle is written off. Here is how gap insurance works.

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man-hitting-golf-shot

What cover do you need for a golf buggy?

If you own an electric golf buggy or cart, the right insurance policy can protect you if you have an accident. Here is how golf buggy insurance works.

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Teacher painting with kids at table

How does the Tax-Free Childcare scheme work?

The Tax-Free Childcare scheme supports parents' childcare costs and replaced the existing Employer Supported Childcare.

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5 easy ways to save money on your water bill

Are you paying too much for your water? There are loads of great ways you can save money on your bills and save water at the same time.

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Claiming disability benefits & financial support

Disability can mean both a drop in your income and an increase in the cost of living. This guide sets out how to claim disability benefits for help with your day-to-day costs.

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How to find insurance for your exotic pets

If you have a rare or unusual pet, finding the right pet insurance can be more difficult. Here is what you need to know to find the best exotic pet insurance.

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Unlocking your iPhone: what are your options?

If you are thinking of buying an iPhone, choosing the right network now could mean 'unlocking' potential savings on your mobile phone bill. We take a look at the different options currently available.

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How to find a cheap mobile phone deal

Monthly mobile bills might be an outgoing you do not think too much about, but are you paying too much? Keeping in touch does not need to cost the earth, and here is how you can find a mobile deal that will help you save.

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Smiling family in ocean

6 ways to protect your holiday if you book without a travel agent

Did you know that the way in which you book your holiday can have a dramatic effect on whether you're protected if something goes wrong? We show you how to make sure you get to go on your holiday one way or another!

How to protect your holiday

How to unlock your mobile phone

Tired of missing out on a cheaper mobile deal because your phone is stuck with one network? We explain how to unlock your phone so you can have the freedom to move to any network you like.

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Girl on smartphone texting

Can you switch mobile contracts mid-term?

Overpaying for a mobile contract can be frustrating; especially if you are tied into a lengthy contract. Our guide explains when and how you can cancel your contract and if it will save you money.

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How much equity do you have in your property?

Have you ever wondered how much equity you've got tied up in your house? It's a very useful thing to know; here we explain exactly what you need to do to find out!

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What are OEICs?

OEICs may be an attractive option for new investors, but before you make a decision you need to understand the basics. This guide covers everything you need to know about OEICs before investing your money.

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Band playing on stage

What's the best way to buy second-hand tickets?

If you've ever tried to buy tickets for a must-see event, you'll know that if you're not quick you can easily miss out, but don't give up, there are still ways to get the tickets you want.

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Woman boarding train in station

7 simple ways to cut the cost of your commute

Commuting to and from work is unavoidable and can be expensive so here are a few ways you could cut the cost of commuting.

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Couple comparing paperwork

Insurance - what do you need and what can you live without?

We discuss which insurance policies are essential and which ones you can afford to live without.

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Fertility treatment abroad: can you save money?

The sky-high cost of private IVF treatment in the UK might have left you wondering whether you should get fertility treatment abroad. We look at the cost of treatment globally and whether you could be better off elsewhere.

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Concerned couple looking at bills

What happens after you are discharged from bankruptcy?

The day you're discharged from bankruptcy is a new start, all the debts you took into bankruptcy will be gone and you're free to start afresh, but what happens next? Here's how to start getting your finances back on track.

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9 free apps that save you time AND money

Whatever you're up to, there's probably an app that can help you do it cheaper and faster. All of these free apps can either save you time, money or both.

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Young couple outside in garden using laptop

What is mortgage life insurance?

Have you heard about mortgage life insurance, but are uncertain what it is or how it works? Our guide can give you all the information you need to know.

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