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    <title>Jersey Consumer Council: Finances and Insurance</title>
    <description>Finances and Insurance</description>
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    <item>
      <title>Motorists urged to check car finance deals – download our template letters</title>
      <description><![CDATA[It's been announced in the UK that millions of drivers who were wrongly sold motor finance agreements could receive compensation later this year, with average payments expected to be around £829 per person.]]></description>
      <link>https://www.consumercouncil.je/news/travel-and-motoring/motorists-urged-to-check-car-finance-deals-download-our-template-letters/</link>
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      <pubDate>Tue, 31 Mar 2026 09:00:00 +0100</pubDate>
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    <item>
      <title>How banks are helping you stay safe from scam calls and fraud</title>
      <description><![CDATA[With criminals constantly coming up with new and more sophisticated ways to impersonate banks and trick us into parting with our money, it’s more important than ever to stay vigilant.]]></description>
      <link>https://www.consumercouncil.je/news/scams/how-banks-are-helping-you-stay-safe-from-scam-calls-and-fraud/</link>
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      <pubDate>Tue, 03 Feb 2026 13:00:00 +0000</pubDate>
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    <item>
      <title>Credit cards – is there a light at the end of the tunnel?</title>
      <description><![CDATA[After years of persistent campaigning from the Jersey Consumer Council, applying for a wider range of credit cards may soon be an option again for Islanders.]]></description>
      <link>https://www.consumercouncil.je/news/consumer/credit-cards-is-there-a-light-at-the-end-of-the-tunnel/</link>
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      <pubDate>Fri, 30 Jan 2026 08:45:12 +0000</pubDate>
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    <item>
      <title>UK National Insurance Contributions threshold change</title>
      <description><![CDATA[Hidden deep within last week’s UK Budget was a plan by the Chancellor to close a National Insurance loophole which allowed those who have previously lived in the UK to – relatively cheaply – qualify for a full UK state pension upon retirement]]></description>
      <link>https://www.consumercouncil.je/news/consumer/uk-national-insurance-contributions-threshold-change-chairmans-thoughts/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Fri, 05 Dec 2025 08:00:00 +0000</pubDate>
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      <title>UK tightens pension rules for expats – What you need to know</title>
      <description><![CDATA[The UK government has announced significant changes to state pension rules for people living abroad, and these will come into effect from April 2026.]]></description>
      <link>https://www.consumercouncil.je/news/chairmans-week/uk-tightens-pension-rules-for-expats-what-you-need-to-know/</link>
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      <pubDate>Mon, 01 Dec 2025 10:00:00 +0000</pubDate>
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      <title>Is your home properly protected? Why contents insurance is worth every penny</title>
      <description><![CDATA[Imagine walking into your home to find it flooded from a burst pipe, burgled during a weekend away, or damaged by a kitchen fire.

It’s a stressful enough situation — but even more devastating when you realise you’ll have to replace everything out of your own pocket.]]></description>
      <link>https://www.consumercouncil.je/news/finances/is-your-home-properly-protected-why-contents-insurance-is-worth-every-penny/</link>
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      <pubDate>Thu, 23 Oct 2025 14:00:00 +0100</pubDate>
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      <title>An update on credit cards</title>
      <description><![CDATA[Since our last update about credit cards in November 2024, we've been contacted by many Islanders who are still concerned about the lack of options to obtain a credit card in Jersey for shopping or travelling purposes.  ]]></description>
      <link>https://www.consumercouncil.je/news/finances/an-update-on-credit-cards/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Mon, 11 Aug 2025 09:00:00 +0100</pubDate>
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      <title>Step-by-step guide for expats buying back UK National Insurance contributions</title>
      <description><![CDATA[The 5 April deadline for those who have previously lived and worked in the UK to buy-back up to 19 missing years of National Insurance contributions is rapidly approaching so we have produced this step-by-step guide on how to make your claim.]]></description>
      <link>https://www.consumercouncil.je/news/tips/step-by-step-guide-for-expats-buying-back-uk-national-insurance-contributions/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Thu, 20 Mar 2025 09:00:00 +0000</pubDate>
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    <item>
      <title>The latest on credit cards</title>
      <description><![CDATA[We've had numerous emails and phone calls asking for an update on the credit cards issue.]]></description>
      <link>https://www.consumercouncil.je/news/finances/update-on-credit-cards/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Thu, 28 Nov 2024 15:00:00 +0000</pubDate>
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    <item>
      <title>Shop around for the best insurance deals</title>
      <description><![CDATA[Many Islanders have been in touch this year – and especially this past month – about the eye-watering costs of their insurance renewals.]]></description>
      <link>https://www.consumercouncil.je/news/chairmans-week/shop-around-for-the-best-insurance-deals/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Fri, 15 Nov 2024 09:00:00 +0000</pubDate>
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    <item>
      <title>Have your say on dynamic pricing</title>
      <description><![CDATA[The UK's competition regulator has launched an investigation into Ticketmaster after the site used so-called 'dynamic pricing' to sell tickets for the much-anticipated Oasis reunion tour.]]></description>
      <link>https://www.consumercouncil.je/news/finances/have-your-say-on-dynamic-pricing/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Thu, 05 Sep 2024 09:00:00 +0100</pubDate>
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    <item>
      <title>Investigation into higher mortgage rates in Jersey: report published</title>
      <description><![CDATA[We've published the Findings Report of our three-month investigation into higher mortgage rates in Jersey.]]></description>
      <link>https://www.consumercouncil.je/news/cost-of-living/investigation-into-higher-mortgage-rates-in-jersey-report-published/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Mon, 10 Jun 2024 09:00:00 +0100</pubDate>
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    <item>
      <title>Funeral costs rise</title>
      <description><![CDATA[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.]]></description>
      <link>https://www.consumercouncil.je/news/price-comparisons/funeral-costs-rise/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Tue, 21 May 2024 09:00:00 +0100</pubDate>
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    <item>
      <title>Protect yourself from financial scams</title>
      <description><![CDATA[It’s really important that we all know how to protect ourselves and those around us from financial scams.]]></description>
      <link>https://www.consumercouncil.je/news/scams/shield-your-wealth-stay-alert-scams-avert/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Tue, 09 Apr 2024 09:00:00 +0100</pubDate>
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    <item>
      <title>A letter to mortgage providers</title>
      <description><![CDATA[We've asked Jersey’s main mortgage providers to explain why the mortgage rates on offer in the Island are significantly higher than those in their UK high street branches.]]></description>
      <link>https://www.consumercouncil.je/news/council/a-letter-to-mortgage-providers/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Sun, 17 Mar 2024 09:00:00 +0000</pubDate>
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    <item>
      <title>Increasing insurance premiums – what are the causes?</title>
      <description><![CDATA[We’ve been contacted by lots of you recently about spiralling insurance premiums – both for motor and household – and how they’re affecting you.]]></description>
      <link>https://www.consumercouncil.je/news/cost-of-living/increasing-insurance-premiums-what-are-the-causes/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Mon, 26 Feb 2024 09:00:00 +0000</pubDate>
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    <item>
      <title>Worried you’re being charged both VAT and GST?</title>
      <description><![CDATA[With online retailers now charging GST on purchases, we’ve been contacted by many consumers who are worried they’re unfairly being charged both GST and VAT.]]></description>
      <link>https://www.consumercouncil.je/news/finances/worried-youre-being-charged-both-vat-and-gst/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Tue, 14 Nov 2023 09:00:00 +0000</pubDate>
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    <item>
      <title>Insurance tips following Storm Ciarán</title>
      <description><![CDATA[We’re getting lots of questions about insurance claims after Storm Ciarán.

So, here are some tips you may find useful, both for now and for future considerations about what kind of insurance cover you might need, as well as advice if your insurer isn’t paying out.]]></description>
      <link>https://www.consumercouncil.je/news/finances/insurance-tips-following-storm-ciaran/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Tue, 07 Nov 2023 09:00:00 +0000</pubDate>
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    <item>
      <title>Which motor insurance providers currently provide cover in Jersey?</title>
      <description><![CDATA[You may have heard that certain insurance providers are pulling out of the Channel Islands due to a change of the law in Gibraltar.

This law change has indeed reduced the number of motor insurers who will provide cover in Jersey.

We've done some research and have compiled a list of those insurers still offering business to the Channel Islands.]]></description>
      <link>https://www.consumercouncil.je/news/finances/which-motor-insurance-providers-currently-provide-cover-in-jersey/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Thu, 05 Oct 2023 09:00:00 +0100</pubDate>
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    <item>
      <title>Credit cards: Good news for consumers following unanimous States decision</title>
      <description><![CDATA[It’s been a long, three-year battle, but there is finally good news for consumers regarding credit cards, as States Members have unanimously supported a proposal to allow credit reference agencies the access to the personal data that they need.]]></description>
      <link>https://www.consumercouncil.je/news/finances/credit-cards-good-news-for-consumers-following-unanimous-states-decision/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Tue, 03 Oct 2023 09:00:00 +0100</pubDate>
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    <item>
      <title>Government consultation on access to data for credit reference agencies</title>
      <description><![CDATA[The Government has made the following announcement today, proposing to change the way data is accessed by credit reference agencies to help Islanders obtain loans, credit cards, and other sources of credit.]]></description>
      <link>https://www.consumercouncil.je/news/finances/government-opens-a-consultation-on-access-to-data-for-credit-reference-agencies/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Tue, 18 Jul 2023 09:00:00 +0100</pubDate>
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    <item>
      <title>Government working to resolve credit card situation for Islanders following Consumer Council plea</title>
      <description><![CDATA[Government officers have met with banks and credit reference agencies, after we gave them our feedback and findings, earlier this year, from Islanders who were unable to obtain or renew credit cards.]]></description>
      <link>https://www.consumercouncil.je/news/finances/government-working-to-resolve-credit-card-situation-for-islanders-following-consumer-council-plea/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Tue, 25 Apr 2023 00:00:00 +0100</pubDate>
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    <item>
      <title>Barclays apologise for credit card error</title>
      <description><![CDATA[Barclays Bank has apologised to customers in the Island after incorrectly telling them that their accounts would be closed.]]></description>
      <link>https://www.consumercouncil.je/news/finances/barclays-apologies-for-credit-card-error/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Tue, 18 Apr 2023 09:00:00 +0100</pubDate>
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    <item>
      <title>Call for a centralised electoral register</title>
      <description><![CDATA[The Jersey Consumer Council is calling for a centralised electoral register as part of a response needed to prevent further credit card companies from pulling out of Jersey and other Crown dependencies.]]></description>
      <link>https://www.consumercouncil.je/news/finances/call-for-a-centralised-electoral-register/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Fri, 13 Jan 2023 00:00:00 +0000</pubDate>
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    <item>
      <title>You can apply for help to cover the cost of GST on food</title>
      <description><![CDATA[Did you know that you can apply for help from the Community Cost Bonus to cover the cost of GST on food?]]></description>
      <link>https://www.consumercouncil.je/news/finances/you-can-apply-for-help-to-cover-the-cost-of-gst-on-food/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Wed, 16 Nov 2022 09:00:00 +0000</pubDate>
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    <item>
      <title>Revolut hacked</title>
      <description><![CDATA[During the weekend of 11 September 2022, the Revolut card system was hacked, putting over 50,000 account holders' data at risk.]]></description>
      <link>https://www.consumercouncil.je/news/scams/revolut-hacked/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Thu, 22 Sep 2022 09:00:00 +0100</pubDate>
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    <item>
      <title>Jersey’s Government rejects calls for consumer help</title>
      <description><![CDATA[Jersey’s Chief Minister has rejected a call from the Jersey Consumer Council to help Islanders through the current cost of living emergency. ]]></description>
      <link>https://www.consumercouncil.je/news/cost-of-living/jerseys-government-rejects-calls-for-consumer-help/</link>
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      <category>Finances and Insurance</category>
      <pubDate>Wed, 27 Apr 2022 00:00:00 +0100</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/673c9c55a4255.jpg" type="image/jpeg" width="1000" height="763"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/673c9c55a4255.jpg" width="1000" height="763"/>
    </item>
    <item>
      <title>Funeral price comparison for 2022</title>
      <description><![CDATA[The loss of a loved one is extremely hard, both emotionally and practically, so the more that can be planned beforehand, the easier on those we leave behind.]]></description>
      <link>https://www.consumercouncil.je/news/finances/funeral-price-comparison-for-2022/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/finances/funeral-price-comparison-for-2022/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Fri, 18 Feb 2022 00:00:00 +0000</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/67b492d11d5ba.jpg" type="image/jpeg" width="1000" height="667"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/67b492d11d5ba.jpg" width="1000" height="667"/>
    </item>
    <item>
      <title>Student spending survey</title>
      <description><![CDATA[Less than half of the young Islanders who replied to a local spending survey spend their pocket money locally, the Jersey Consumer Council can reveal.]]></description>
      <link>https://www.consumercouncil.je/news/finances/student-spending-survey/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/finances/student-spending-survey/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Fri, 26 Mar 2021 09:00:00 +0000</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/673c9c549e82b.jpg" type="image/jpeg" width="807" height="512"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/673c9c549e82b.jpg" width="807" height="512"/>
    </item>
    <item>
      <title>Have you experienced problems with GST declarations?</title>
      <description><![CDATA[Since the GST de minimis dropped in October 2020, the requirement for Islanders to access the GST declaration site has increased.]]></description>
      <link>https://www.consumercouncil.je/news/finances/have-you-experienced-problems-with-gst-declarations-we-approached-customs-for-comment/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/finances/have-you-experienced-problems-with-gst-declarations-we-approached-customs-for-comment/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Fri, 21 May 2021 10:00:00 +0100</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/67ab66e691624.jpg" type="image/jpeg" width="883" height="437"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/67ab66e691624.jpg" width="883" height="437"/>
    </item>
    <item>
      <title>GST review update</title>
      <description><![CDATA[The Treasury Department recently announced that it intends to add GST to all goods imported by Islanders, just four months after the de minimis was reduced from £240 to £135, and at a time when many consumers still face financial challenges due to Covid.]]></description>
      <link>https://www.consumercouncil.je/news/finances/gst-review-update/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/finances/gst-review-update/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Fri, 02 Apr 2021 09:00:00 +0100</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/67ab6d6c8eeb3.jpg" type="image/jpeg" width="767" height="437"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/67ab6d6c8eeb3.jpg" width="767" height="437"/>
    </item>
    <item>
      <title>Have your say on the Government's GST review</title>
      <description><![CDATA[We have arranged to meet with the Treasury office to discuss this review and want to hear your thoughts. We represent you, the consumer, and the more we know about what you’re thinking, the stronger the argument we can approach the Government with.  ]]></description>
      <link>https://www.consumercouncil.je/news/finances/have-your-say-on-the-governments-gst-review/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/finances/have-your-say-on-the-governments-gst-review/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Thu, 28 Jan 2021 09:00:00 +0000</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/67aa29edd7390.jpg" type="image/jpeg" width="1000" height="667"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/67aa29edd7390.jpg" width="1000" height="667"/>
    </item>
    <item>
      <title>PayPal to introduce an annual charge for inactive accounts</title>
      <description><![CDATA[Have you used your PayPal account in the last 12 months?]]></description>
      <link>https://www.consumercouncil.je/news/finances/paypal-to-introduce-an-annual-charge-for-inactive-accounts/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/finances/paypal-to-introduce-an-annual-charge-for-inactive-accounts/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Wed, 11 Nov 2020 09:00:00 +0000</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/67add38ba62e6.jpg" type="image/jpeg" width="740" height="486"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/67add38ba62e6.jpg" width="740" height="486"/>
    </item>
    <item>
      <title>HSBC CI to cease home and travel insurance</title>
      <description><![CDATA[We recently became aware that HSBC CI and IOM are halting home and travel insurance to Islanders, so we asked them to explain the reason and if they might be able to offer the service in the future.]]></description>
      <link>https://www.consumercouncil.je/news/finances/hsbc-ci-to-cease-home-and-travel-insurance/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/finances/hsbc-ci-to-cease-home-and-travel-insurance/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Mon, 08 Jun 2020 09:00:00 +0100</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/673c90ba6b8f5.jpg" type="image/jpeg" width="1000" height="703"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/673c90ba6b8f5.jpg" width="1000" height="703"/>
    </item>
    <item>
      <title>Understanding the Pension Plus scheme</title>
      <description><![CDATA[The Pension Plus scheme is a Government-funded scheme to help lower income pensioners with the costs of dental, optical and chiropody services.]]></description>
      <link>https://www.consumercouncil.je/news/finances/understanding-the-pension-plus-scheme/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/finances/understanding-the-pension-plus-scheme/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Thu, 20 Feb 2020 09:00:00 +0000</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/67ae0ed7ecf29.jpg" type="image/jpeg" width="1000" height="667"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/67ae0ed7ecf29.jpg" width="1000" height="667"/>
    </item>
    <item>
      <title>Could the Long-Term Care Scheme help you?</title>
      <description><![CDATA[The Long-Term Care Scheme was created by the Government of Jersey to help Islanders with the costs of long-term care. ]]></description>
      <link>https://www.consumercouncil.je/news/tips/could-the-long-term-care-scheme-help-you/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/tips/could-the-long-term-care-scheme-help-you/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Mon, 30 Sep 2019 09:00:00 +0100</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/67b4b4c6c6b30.jpg" type="image/jpeg" width="1000" height="667"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/67b4b4c6c6b30.jpg" width="1000" height="667"/>
    </item>
    <item>
      <title>What is VAT?</title>
      <description><![CDATA[Value Added Tax (VAT) is a tax on goods and services in the UK.]]></description>
      <link>https://www.consumercouncil.je/news/tips/what-is-vat/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/tips/what-is-vat/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Sat, 20 Jul 2019 09:00:00 +0100</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/67e578254d5e8.jpg" type="image/jpeg" width="826" height="510"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/67e578254d5e8.jpg" width="826" height="510"/>
    </item>
    <item>
      <title>Renting: Tenant and landlord rights</title>
      <description><![CDATA[When it comes to renting property, both tenants and landlords have certain obligations.]]></description>
      <link>https://www.consumercouncil.je/news/tips/renting-tenant-and-landlord-rights/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/tips/renting-tenant-and-landlord-rights/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Wed, 12 Jun 2019 09:00:00 +0100</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/67a23a192b5dc.jpg" type="image/jpeg" width="1000" height="667"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/67a23a192b5dc.jpg" width="1000" height="667"/>
    </item>
    <item>
      <title>Rental deposits: Know your rights</title>
      <description><![CDATA[Since 2015, any deposits placed to rent a home must be protected by mydeposits Jersey. ]]></description>
      <link>https://www.consumercouncil.je/news/finances/rental-deposits-know-your-rights/</link>
      <guid isPermaLink="true">https://www.consumercouncil.je/news/finances/rental-deposits-know-your-rights/</guid>
      <category>Finances and Insurance</category>
      <pubDate>Fri, 19 Apr 2019 09:00:00 +0100</pubDate>
      <media:content url="https://mmo.aiircdn.com/1466/67e57cbc74e9d.jpg" type="image/jpeg" width="842" height="547"/>
      <media:thumbnail url="https://mmo.aiircdn.com/1466/67e57cbc74e9d.jpg" width="842" height="547"/>
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