What Is a No-Claims Bonus?
A clear guide to the no-claims bonus on UK insurance — how it builds, how much it can save, what happens when you claim, and whether…
Rachel Stone
Rachel Stone
Personal Finance Editor
Rachel Stone writes about borrowing, budgeting, credit and consumer rights, with a focus on clear, practical guidance and pointing readers to trustworthy help.
Car Insurance Explained: Cover Types and Costs
A plain-English guide to UK car insurance — the three levels of cover, what affects your premium, key add-ons, and how to keep costs down…
Rachel Stone
Guarantor Loans Explained: How They Work and the Risks
A guarantor loan lets someone borrow with the backing of a friend or relative who promises to repay if they cannot. This guide explains how…
Rachel Stone
Car Finance Explained: PCP, HP and Leasing
Most cars in the UK are bought on finance, but PCP, hire purchase and leasing work very differently. This guide explains each option, what…
Rachel Stone
How to Make an Insurance Claim
A step-by-step guide to making an insurance claim in the UK — what to do first, how the process works, what an excess is, and how to handle…
Rachel Stone
What Is Home Equity?
Home equity is the share of your property you truly own — its value minus what you still owe. This UK guide explains how equity builds, how…
Rachel Stone
Junior ISAs Explained
A Junior ISA is a tax-free savings or investment account for a child under 18. This UK guide covers the two types, the annual allowance…
Rachel Stone
Understanding Student Loan Repayments (UK)
UK student loans are repaid as a percentage of income above a threshold, not like an ordinary debt. This guide explains the repayment…
Rachel Stone
Marriage Allowance Explained
Marriage Allowance lets some couples reduce their tax bill by transferring part of one partner's personal allowance to the other. This UK…
Rachel Stone