At Home
06 December 2024

Do you know when it's time to replace your hot water bottle?

With the nights getting colder, it may be time to dig out your water bottle. But did you know that the actual bottle needs to be replaced every two or three years, or you could risk being seriously scalded. It’s easy to check if yours needs replacing – simply remove the cover, and look for the daisy flower imprinted on the bottle. Inside the daisy will be a number such as ‘21’ which indicates 2021. Around the edges, some of the petals will be filled with dots. Four petals filled, such as above, indicates April, nine indicates September etc. This is how you know when it's time to replace your hot water bottle – and using it after that date could mean it's no longer safe and could lead to an accident.
At Home
Energy & Fuel
Living Costs
09 October 2024

Electricity prices to rise in 2025

Jersey Electricity will be increasing their prices by 7.5% from the start of next year. The tariff increase – which will add around £2 per week to the average domestic electricity bill of £1,400 per year – will come into effect from 1 January 2025. The company say that the increase – which is above the current 5% rate of inflation – is ‘in response to the wholesale energy market which, although showing signs of easing, remains much higher than historic norms’. Jersey Electricity CEO Chris Ambler said: “We remain acutely aware of the rising costs of everyday essentials and the pressures on household budgets. “We encourage any customers with concerns about their electricity bills to contact our Customer Care team. While we understand increases in electricity prices are unwelcome, we have worked hard to shelter customers wherever possible, including continuing to challenge ourselves to drive further efficiencies.” Mr Ambler added: “After the increase comes into effect in January 2025, Jersey’s electricity prices will remain substantially lower than UK prices, which will be around 50% higher than Jersey’s. The Isle of Man and Guernsey’s electricity prices will also be more than 30% higher than Jersey prices from January next year. “Turmoil in the international energy markets and the onset of Russia’s invasion of Ukraine have contributed to high and volatile wholesale energy prices across Europe and much of the world in recent years. Against this backdrop, we are starting to see signs of a more stable energy environment emerge, albeit with higher levels than historically has been the case. Our strategy of importing clean renewable electricity from France has helped to maintain relatively stable electricity prices, whilst making necessary investment and future-proofing the Island’s electricity network.” At the start of 2024, electricity prices rose by 12%. Check out our energy saving tips
At Home
Living Costs
Money
10 June 2024

Investigation into higher mortgage rates in Jersey: report published

We've published the Findings Report of our three-month investigation into higher mortgage rates in Jersey. Jersey's mortgage rates have been consistently higher than those in the UK, sparking concern among consumers and prompting our investigation. At the time of launching our investigation in March 2024, a number of banks were offering local rates at more than 1% higher than the UK equivalent. The gap has closed at the time of writing this report, although can change with very little notice. That said, even the smallest increase in mortgage rates have a significant impact on the total amount repaid, due to the size of the loan and the length of time it takes to be paid off. Following correspondence from a number of Islanders, and a call for more transparency over mortgage rates from the property conveyancing sector, the Jersey Consumer Council sent an open letter on behalf of consumers in Jersey to the six main mortgage lenders in Jersey during March 2024. They were: Royal Bank of Scotland International Barclays Skipton Santander HSBC Lloyds We then conducted a broad investigation into the reasons behind mortgage rates in Jersey being higher than those offered by the same branded banks in the UK. We found this leads to confusion for consumers, who, along with already paying significantly higher prices for property compared to many parts of the UK, struggle to understand why they are being asked to pay up to £20,000 more per £100,000 of loan over the lifetime of a mortgage when borrowing over 25 years. The banks attribute this difference to their status as ring-fenced and separate entities from their UK counterparts. Despite this separation, many of these banks still align with their UK outfit in terms of branding, marketing material, contact details and, most significantly, the offer of Jersey-based mortgage products which track the Bank of England’s base rate, and rates generally which fluctuate with the Bank of England interest rates. The Consumer Council, however, has concluded that the elevated mortgage rates are further influenced by the higher savings rates offered in Jersey, which are designed to attract both local and inward investment. The Council's findings highlight the need for greater transparency from the banking industry to help consumers better understand the differences, and a reassessment by the Government of Jersey on the balance between attracting inward investment and ensuring affordable home ownership for Islanders. Click here to read our report.
At Home
Money
21 May 2024

Funeral costs rise

Funeral costs are often the last thing we’d like to think about, but when the death of a loved one comes along having some idea about what’s on offer and the costs to be occurred makes it easier at such a sad time. According to SunLife's 2024 Cost of Dying report, seven in 10 people in the UK make provisions before they die, but only 54% have got the whole amount covered. SunLife say that on average a basic funeral in the UK cost around £4,141 in 2023 and £3,953 in 2022 (a 4.7% increase), but this can vary depending on where you live. So as much as this is not a conversation we want to have, it’s good to have these discussions with your loved ones. Here’s our breakdown of funeral costs in Jersey for 2024 compared with what they were in 2022. Service/Product De Gruchy’s                  (Co-op)2022 Maillards (Independent)2022 Pitcher & Le Quesne (Dignity)2022 Professional Fees £1,250 £1,335 £0 Funeral Director fee above professional fees £0 £0 £1,590 Care of deceased (bringing into care and treatment 24/7) £490 £380 £295 Provision of hearse, driver and bearers £750 £716 £600 Provision of one limousine £200 £194 £195 Attendance of Funeral Director at burial of ashes £75 £90 £0 Total cost of above £2,765 £2,715 £2,680 (£2,165 in 2017) (£2,256 in 2017) (£3,863 in 2017) Direct/’no frills’ cremation * £1,795.35 £2,040.35 £1,700 Embalming (if requested) £185 £200 £155 Coffin – cheapest wood effect £595 £650 £495 Coffin – cheapest eco-friendly coffin (rattan, sea-grass or wicker) £785 £750 £845 Ashes urn – cheapest hardwood £120 £120 £115   Service/Product De Gruchy’s                  (Co-op)2024 Maillards (Independent)2024 Pitcher & Le Quesne (Dignity)2024 Professional Fees £1,450 £1,565 £2,015 Funeral Director fee above professional fees £0 £0 £0 Care of deceased (bringing into care and treatment 24/7) £500 £380 £320 Provision of hearse, driver and bearers £790 £790 £650 Provision of one limousine £200 £194 £210 Attendance of Funeral Director at burial of ashes £95 £90 £135 Total cost of above £3,035 £3,019 £3,330 Direct/’no frills’ cremation * £2,750.52 £2,995.00 £1,875 Embalming (if requested) £210 £200 £175 Coffin – cheapest wood effect £675 £795 £495 Coffin – cheapest eco-friendly coffin (rattan, sea-grass or wicker) £810 £900 £1,005 Ashes urn – cheapest hardwood £120 £120 £120 Additional costs Minister /Priest/ Celebrant fee  £300 Minister/Priest/ Celebrant fee Attendance at burial of ashes   £75.00 Church verger   £65.00 Church fee (if not a parish church)   £220.00 Organist   £110.00 Soloist Varies - prices will vary Flowers - prices will vary Service sheets - prices will vary Paper notices - prices will vary Crematorium   £828.00 Cremation certificate (if required)  £10.51 Doctor's cremation forms   £200 Death certificate x 1   £32.31 Prices correct as at Apr/May 2024. Some prices may include different services and products To make the process easier for bereaved families, much of the organisation can be arranged and paid for by the Funeral Directors, who include them in the final invoice. The companies sometimes work with each other when the need arises, to ensure the experience is as painless as possible. They are willing to work with families to find the best option that will suit their needs and budget. They can advise on where you could cut costs and if requested will provide an estimate of costs before you agree to go ahead. Should you be eligible, they can advise on the Government’s Death Grant payment, which is currently £1,063.72.  Government can help those on low incomes with financial support to help with funeral costs. You can find out more about this on gov.je/ benefits/deathbereavement. 
At Home
Living Costs
26 February 2024

Increasing insurance premiums – what are the causes?

We’ve been contacted by lots of you recently about spiralling insurance premiums – both for motor and household – and how they’re affecting you. We’re aware of this issue and how it’s affecting Islanders, as it is yet another cost-of-living increase for consumers to contend with. This isn't just a Jersey situation though, it's UK-wide, with premiums increasing across the board since 2022. In January 2022, the UK’s Financial Conduct Authority (FCA) introduced some new rules to stop insurers offering better deals to new customers. While this is good for those customers sticking with their ongoing policy, the rules don’t stop or cap the rise in policy costs, so in that respect it’s not good at all.  As a result, many Islanders have seen big increases in their premiums this year. Unfortunately, without a cap on the level of premium paid, the price of cover will fluctuate to reflect a range of factors, such as inflation, building costs, and setting claims due to storms, floods, and the like. The average premium for comprehensive cover on a motor vehicle in the UK has gone up by 58% from this time in 2022, according to Which? Magazine's March 2024 edition. In Jersey, your driver profile will include factors such as your age and your driving record, which influences what you pay for car insurance. Younger drivers have been hit more than most, with those aged under 24 being forced to pay out for premiums into the thousands in some cases. These premium increases will be affected by rising car repair costs. And disaster-related claims are also a significant reason why car insurance rates are surging for many drivers. We're not sure what the answer is. All we can advise is to keep shopping around, try to haggle where you can, and look out for tips using national consumer news organisations such as Which? magazine and Money Saving Expert. Their pages relate to the UK, but you can often pick up tips that are relevant to use in Jersey. You can also check out some of our recent stories on insurance: Which motor insurance providers currently provide cover in Jersey? (consumercouncil.je) Home Insurance (consumercouncil.je) Car Insurance (consumercouncil.je)
At Home
Energy & Fuel
12 February 2024

Legal backing for gas outage claims help

A local lawyer has agreed to act for those Island Energy customers who were affected by October’s gas outage. Advocate Philip Sinel, Senior Partner at Sinels and Co, believes there has been a “clear breach of contract” between the gas provider and its customers, and that consumers have suffered losses or incurred extra costs as a result of having no gas supply to their homes – up to 14 days or more in some cases. He said: “Sinels is happy to act on behalf of those consumers affected by last year’s gas outage as, in our view, there has been a clear breach of contract. Losses have occurred, and as a result, the supplier should be liable for those in our view, and we will do our best to recover those losses for consumers.” More than 250 Island Energy customers who are unhappy with the £11.56 ‘goodwill gesture’ offered by Island Energy have so far registered with us. If you would like to be included in the action being taken by the Jersey Consumer Council and Sinels, please register below by completing this short online form. Please ensure that when you fill in this form you include an email and your Island Energy customer number: REGISTER HERE On 7 October a technical fault by Island Energy left around 4,000 Islanders without gas. This lasted for days - and in some cases up to 14 days - before the gas was returned to them. Had the energy provider been regulated – like in the UK - it would have had to pay £60 for every day a customer went without gas beyond the first 24 hours. Since then, Island Energy have increased the prices of gas by 12%, which is about £13.80 for an average family house. Whilst in Guernsey they raised the price by 8%. On 25 January, we were given word that Island Energy were giving customers a gesture of goodwill by refunding the standing charge for October, worth £11.56. Telephone: 01534 61161 Email: [email protected]