Compare Credit Cards, Pet Insurance and Savings Accounts

There is a new offer currently running on Tesco Car Insurance where new customers will receive £40 off shopping or fuel when they get a quote and buy the policy by 17th September 2008.

To qualify for the offer you must hold a valid Clubcard and enter in shop40 into the promotional code box on the quote form. You can apply for a Tesco Clubcard here.

What’s more, for each £2 spent on a Tesco Insurance policy Clubcard holders will receive 1 Clubcard point and you will receive an extra 10% discount if you choose to insure more than one car.

Non-Clubcard holders will receive a 15% online discount when they buy a motor insurance policy from Tesco via the internet.

Additionally, named drivers will receive up to a 50% discount when they take out their own Tesco Car Insurance policy.

When you become a Tesco Car Insurance customer you will also be eligible for exclusive discounts with Nationwide Autocentres including a free 15 point Car Safety Check, 15% off a full service and 10% off all mechanical repairs (offers are not available in Northern Ireland).

Click the link for more information about Tesco Car Insurance

This offer is current as of 28th AUGUST 2008. Terms and Conditions apply. For more offers please refer to the Offers section of compareandsave.com’s ‘Your money matters blog’.

The new BT Credit Card, which offers customers money off BT phone bills, has just been launched on compareandsave.com.

The great thing about this card is its competitive low life of balance transfer interest rate of 6.9%, which you can only get by applying for the card on compareandsave.com.

Once the account has been opened, you will earn money off your BT phone bills each time the credit card is used.

For every complete £2 you spend on ‘retail purchases’, up to £250 per month or part of a month, you will receive 1p off your BT phone bill. Once you exceed this £250 purchase rate, you will start to receive 1p per whole £1 spent in the same month.

The maximum BT Credit Card Reward that can be earned in any twelve month period is £75.

The typical purchase APR is 16.9% (variable) but one of the advantages of the card is the low life of balance transfer APR of 6.9%. This is great if you are fed up of switching from one interest free balance transfer offer to another after every 12 to 15 months.

If you do decide to transfer a balance to the BT Credit Card you will be charged an admin fee of 3% of the balance transferred.

There is no annual fee for this credit card and it comes with online account management and a free 24 hour worldwide customer satisfaction helpline. To qualify for the card you must be at least 18 years of age and have a minimum annual income of £10,000.

Click the link for more information about the BT Credit Card

The typical APR on the Barclaycard Long Term Balance Transfer Credit Card has been lowered from 16.9% to 14.9% (variable).

Plus, the typical APR applied to balance transfers, for the life of the balance, has been lowered from 6.5% to 6.3% with no admin fee to pay.

You will have the option of managing your account online and will benefit from an identity protection service and fraud protection.

The credit card comes with no annual fee and 24 hour customer service.

To apply for the Barclaycard Long Term Balance Transfer card you must be at least 21 years of age and have a minimum income of £10,000.

Click the link to apply for the Barclaycard Long Term Balance Transfer Credit Card.
 

You can now get a 40% online discount when you buy Tesco Pet Insurance with the chance of getting an extra 5% discount if you insure more than one pet.

Additionally, Tesco will also give you a free 12 month membership with the Missing Pets Bureau as part of your pet insurance policy, which will help you get your pet back should it go missing.

Another great feature of Tesco Pet Insurance is that it does not have a maximum age limit for pets, plus the conditions of the policy won’t change as your pet grows older.

Cover starts from £3 for cats and £6 for dogs, and you can choose from Standard or Extra levels of cover.

Another benefit to come as part of the policy is a free service where Tesco will help you find an emergency vet shoud your pet need one, as well as offer you advice and support should your pet pass away.

You can pay for your Tesco Pet Insurance in one lump sum or by monthly direct debit. Alternatively, you can use your Clubcard vouchers towards the cost.

Click the link for more information about Tesco Pet Insurance

This offer is current as of 26th AUGUST 2008. Terms and Conditions apply. For more offers please refer to the Offers section of compareandsave.com’s ‘Your money matters blog’.

You can now get a 35% online discount and a £50 shopping or fuel voucher if you buy Tesco Home Insurance before 17th September 2008.

To be eligible for the shopping or fuel voucher offer, you need to be a new customer, have a Tesco Clubcard and buy either a Standard or Finest policy. When you apply for your policy you will need to enter home50 into the promotional code box.

With Tesco Home Insurance you can choose from three types of policy – Finest, Standard and Value.

The Standard and Value policies come with buildings cover up to £1 million and the Finest policy has unlimited buildings cover.

You will benefit from an emergency repair helpline and a dedicated claims team, plus you can choose to pay monthly if you like.

Click the link for more information about Tesco Home Insurance

This offer is current as of 22nd AUGUST 2008. Terms and Conditions apply. For more offers please refer to the Offers section of compareandsave.com’s ‘Your money matters blog’.

A new offer is currently running on Sainsbury’s Home Insurance which gives new policyholders a 25% discount and a £20 Sainsbury’s shopping voucher when purchasing combined buildings and contents cover between 19th August and 8th October 2008.

Additionally, customers who buy only buildings or contents home insurance will now receive a 10% discount.

What’s more customers will receive a 10% discount, on top of the above, if they purchase their home insurance cover online.

You will also be eligible for up to 30% no claims discount, which you can choose to increase to 40% and protect it by paying an extra premium.

Another great thing about this policy is that Sainsbury’s will not charge you anything extra if you choose to make your payments by monthly direct debit.

Sainsbury’s Home Insurance provides unlimited building cover so your home will never be underinsured, and also comes with cover for up to £500 of items left out in the open.
Click the link for more information about Sainsbury’s Home Insurance
This offer is current as of 21st AUGUST 2008. Terms and Conditions apply. For more offers please refer to the Offers section of compareandsave.com’s ‘Your money matters blog’.

You can now get 0% on balance transfers for 13 months with the MBNA Platinum Credit Card, subject to a 2.9% balance transfer fee.

Plus, you will get 0% on any purchases you make for 3 months and, once the 0% offers run out, the typical APR reverts to a competitive 15.9% (variable).

Additionally, you can manage your account online, which will make paying your bills and keeping track of your balance a lot easier, but can also make use of the 24 hour phone line which you can use to talk to Customer Services.

To apply for this credit card you must be at least 18 years of age and have a good to excellent credit history.

Click the link for more information about the MBNA Platinum Credit Card.
 

The MBNA Platinum Rewards Credit Card now comes with extended interest free periods on balance transfers and purchases.

The 0% offer on balance transfers (subject to a 2.9% admin fee) has increased from September 2009 to October 2009 and the 0% offer on purchases from November 2008 to December 2008.

What’s more, you will have the chance to benefit from a competitive typical APR of 15.9% (variable) and you will earn Reward points each time you use the credit card. For each £1 you spend, you will earn 1 reward point which can be redeemed in exchange for shopping vouchers, cash, flights and lots of other rewards.

You will also be able to manage your account online and be protected with MBNA secure which protects you and your credit card.

To apply for this card you need to be at least 18 years of age and pass the necessary credit checks.

Click the link for more information on the MBNA Platinum Rewards credit card

We have a new online savings account on the website called the ICICI HiSave.

The ICICI HiSave Savings Account comes with an interest rate guarantee and a competitive AER of 6.16% plus offers 24/7 online access.

What’s more, you will receive your interest on a monthly basis and will benefit from a guarantee which will give you an interest rate of 0.30% higher than the Bank of England base rate until December 31 2011.

You will also be able to make an unlimited amount of withdrawals and deposits and can open an account from just £1.

To open an account, you need to click on the apply button on the ICICI HiSave Savings Account page, fill in the online application form with your details and then hit the send button. Once you have received an email to verify your details and application, which should get to you within two working days, you need to send a cheque off for at least £1.00. Once your cheque has been received, your savings account will be open and ready to use. You will be sent an account number and login ID via email once your cheque has been received and then your internet password will be sent to you in the post.

Click the link for more information on the ICICI HiSave Savings Account.

Breakdown cover is a service provided by insurers which you can buy so that you can call for assistance should your vehicle break down.

The most basic of policies, which should at least provide you with assistance at the roadside to try to fix your vehicle, start from around £25 and will cover you for a period of 12 months.

Like any insurance product, you pay a breakdown cover provider an annual premium so that they take the risks associated with the cost of breaking down away from you. This means that if you buy breakdown cover but don’t use it during the year, you won’t get your money back.

However, the question you will need to ask yourself when trying to decide whether or not to buy car breakdown cover is how much would it cost you if you broke down and didn’t have it?

You can now get the answer to this question by using the new compareandsave.com Breakdown Calculator.

To put things in perspective, if you broke down you are likely to have to pay at least a £50 callout charge. This £50 could buy you a basic breakdown cover policy for two years or a more comprehensive policy for one year.

This £50 callout charge is purely the cost you would pay for an independent recovery contractor to come out to help you. You would then have to pay to be towed at a return mileage rate, at an average cost of £1.50 per mile, which means you pay for the recovery contractor from when he leaves his depot until he returns.

As you can already see, the cost of one breakdown without breakdown assistance could buy you several years’ worth of basic cover. If you break down more than once in a year, you would be set to save even more by having car breakdown cover, because a basic policy will usually allow you to call for help anywhere between 3-7 times in a 12 month period (if the maximum number of callouts is reached in one year the provider may restrict the number of callouts allowed the following year).