- 18 hours ago
- #realityrealmus
#RealityRealmUS
Reality Realm US
🎞 Please subscribe to our official channel to watch the full movie for free, as soon as possible. ❤️Reality Insight Hub❤️
👉 Official Channel: https://www.dailymotion.com/TheVisionFrame
👉 THANK YOU ❤️❤️❤️❤️❤️
Category
🎥
Short filmTranscript
00:00you
00:24Concord class tips put on an economy budget don't worry
00:28I'll try not to go super speed my big theme is how to cut the cost and hassle of summer getaways
00:34with key things to do now that will save you when you go but I also want to catch you up on
00:40everything else you need to know since we were last on air in March so we'll be covering car
00:44finance reclaiming pension top-ups travel insurance the Spanish Zara trick crucial
00:50passport checks and cheap spending abroad whether it's a fistful of dollars a schooner of euros or a
00:56handful of dong plus what don't understand you lot sometimes plus lots lots more then in my news you
01:07can use are you one of hundreds of thousands of parents missing out on help with child care costs
01:12this summer cheap UK travel with 25% off rail cards and a free four-year rail card for some and finally
01:20there's a hack to get 40 pounds off a year's Disney Plus subscription and while that is of course a bit
01:27of a Mickey Mouse deal over to a woman now who has to work with Scrooge McDuck oh yes and it can be hard
01:35work we are at aerospace Bristol wow and that's the last Concorde ever to fly look at that it looks
01:42absolutely amazing and a huge welcome of course to our live studio audience hello Bristol
01:47listen it's a big big week for energy bills and many of you have been sending questions on that so I want
02:01to try to put that to martin later and do let us know your comments throughout the show so you can
02:06send them in on x blue sky or instagram using the hashtag martin lewis or you can email the team at
02:11martin lewis at itv.com now martin before we kick off got some quickies on a few major issues we had and
02:20lots of questions I want to tick them off my list okay so have a look at this first of all is car
02:25finance it's coming from Lisa it would be great to get an update on car finance I believe I could
02:30be eligible due to having cars on DCA's but never got around to put in my claim in I've now read that
02:36if you are due any payout you'll be contacted and repaid automatically without filling anything in is
02:42this right yes basically around two and a half million people have put DCA claims in discretionary
02:49commission arrangements that's effectively where car dealers charged higher interest than they needed to
02:54and they got more commission for doing so and the regulator is investigating that but the most
02:58important thing to understand is car finance claims are currently on hold because the supreme court is
03:04looking at a case right now it's already heard evidence on it we're waiting for its decision now
03:09no one knows when that will come just don't know but the people in the know are telling me they're
03:13hoping it will be in July so I'm going to say July-ish is the probable rough time scan and until then
03:20nothing else happens but you are right the regulator has said if there are going to be payouts you won't
03:27have to claim them you'll be contacted automatically but I would still suggest if you want to get ahead
03:32of the queue and make sure all the admin is done right and they have all your details and they're all
03:37up to date I would still probably just go and put your claim in now but only use a free service and
03:42there's free help online for people who want to do that but you don't have to if you just want to wait
03:46if you are eligible you should be paid out if the supreme court rules saying that car financing the
03:52way it was done should be paid out still a little bit of a waiting game there but you also yeah you
03:57also covered though the urgent April deadline to buy back national insurance years back to 2006 and
04:02quite a lot of people are worried they haven't had a call back like Robert here now Robert's saying
04:06my wife and I have requested calls with the DWP about our state pension as of yet neither of us has
04:13received a call at what point should we be getting worried that they haven't called us well I've had
04:18calls into the DWP about this I've got half an answer I'm still waiting for another half of the
04:22answer but the basic answer is they're prioritizing calling people at state pension age or near to state
04:28pension age so that they will get their uplift straight away or as soon as possible if the younger
04:34you are the further away from state pension age you are the lower down the queue you will likely be
04:39you're asking should I be worried no I mean some people are getting calls now many people haven't
04:44had calls what I haven't had an answer from DWP is how long this process is likely to take my guess
04:50is it could be another three or four months so I wouldn't be panicking yet I will be putting on my
04:54social media when I hear updates on that particular one but the truth of it is as long as you made the
04:59call before the 6th of April deadline once they call you you're still going to be able to get it within
05:05the cutoff you can't do it now but if you called in time you should still be fine so don't worry
05:08don't worry yeah it's not panic time the first part of my list ticked off tonight but let's get
05:12into tonight's first question for our summer special Zoe you've got a question for Martin in the audience
05:16yes hello we're going abroad as a family for only the second time in about 18 years and I wondered
05:22what the best card was to take for spending oh how exciting where are you going we're going to
05:26Corfu oh how lovely right so here's the key you're right that using plastic abroad is the best way to
05:33spend generally you get the best rates normally if you shop abroad on plastic the bank or the credit
05:39card company gets a near perfect exchange rate at exactly that moment whatever the exchange rate on
05:43the market is at that moment they're getting a near perfect exchange rate but then they add what
05:49is called a non-sterling exchange rate fee onto what they charge us normally that's around three percent
05:54so if you spend a hundred pounds worth of euros at the exchange rate you will pay a hundred and three
06:00pounds specialist cards don't add on that exchange rate and they might wipe some other fees as well
06:06so you need to look at the specialist cards so what are the best ones seems a good point to go to my big
06:11briefing okay so here you go I've got my top three picks and I'm going to want to know which one of
06:21these Zoe is is your top pick when I go through so pay careful attention I will be testing you
06:25you've got the Barclay card reward visa credit card so as it's a credit card you need to make
06:31sure you pay it off you can do better you're bigger there we are at the end of every month to make sure
06:39there's no interest that's the top overall an easy to get one that almost everybody can get is the chase
06:45debit mastercard it is an app though you don't need to switch bank to get that either it's not a bank
06:50switch deal you can do it without switching back and if you are willing to switch bank then there's
06:54the first direct debit mastercard which is going to give you some cash so let's run through them
06:58all of them have near perfect exchange rates so you're fine the reason two of these are my top
07:05picks is because you also get cash back when you spend abroad and Barclay card it's a quarter percent
07:09on all you're spending in the UK and overseas so it's also a good card for using in the UK as long
07:13as you're paying off in full you don't get cash back on the chase one the first direct one is no
07:18but yes but no but yes but no you don't get cash back on your spending abroad but if you're a newbie
07:23switching to first direct it will currently give you a free 175 pounds it's a top service bank account
07:29and it always comes top of my customer service polls it's got other perks too there is slightly
07:33more available from the TSB 190 pounds for switches at the moment but that doesn't have the debit card
07:38that's fee free abroad can you get it without a hard credit check that marks your file no for Barclay
07:45card no for first direct but this only does a soft check virtually nobody gets rejected this doesn't
07:50go on your credit file so it's that's why it's easy to get it's easier to be accepted for they all
07:55have interest-free spending and ATM cash withdrawals on Barclay card as long as you're paying off in
08:00full otherwise you will be charged no problem on chase and on first direct as long as you're not
08:05overdrawn fee free ATM cash yes on Barclay card and first direct up to 500 quid a day only up to 1500
08:12quid a month on chase but that's fine for most people only people are getting loads of cash out
08:17would that be a problem and do they have section 75 protection who knows what section 75 is it's
08:22Martin Lewis audience somebody should hands up properly let me see yeah so quite a bit this is if
08:27you spend on a credit card the credit card company is jointly liable with the retailer if
08:31the purchase is over 100 quid powerful consumer voodoo protection so it's well worth having
08:36especially abroad because it's quite tough to stake stuff you bought take stuff you bought abroad back
08:40for the obvious reason so you go to the card company so the credit card has it the other two don't but
08:45they do have chargeback protection which is pretty good so all these three of my top picks there's a
08:50whole load of other cards that also give you the near perfect rates but my these two are higher picks
08:57because of the cash back and this one because it's easy to get it's pretty easy to move which of those
09:01appeals to you most do you think the Barclay card just simple and you like the cash back and you're
09:05going to use it for the UK as well I saw you nod at that point yeah just as long as you're paying
09:09it off in full and you're not breaking your credit limit seems absolutely right to me okay I've got
09:14currency corner over here so I've got two people who've got questions on currency and Paula I'm going
09:19to start with you what's your question for Martin my question is when using a credit card
09:24abroad I'm asked whether I want to pay in pounds or local currency on the machine which is the best
09:31let's take a vote shall we we're going to do this by a share of hands who thinks and don't look at
09:36anyone else no cheating who thinks it's in pounds is best and who thinks you should pay in the local
09:44currency you've watched the show before this is the reason why these cards give you near perfect
09:52exchange rates so if you pay and you pay in pounds well you're not it's the card machine or
10:00the ATM that's doing the conversion and their rates are pants you want this card to do the conversion so
10:05you have to spend in the foreign currency and even if you haven't got a specialist card even with that
10:09three percent loading that exchange fee I talked about earlier most UK cards are still better than
10:14the hideous rates you get abroad which is why when you go to an overseas ATM and it says would you like
10:19us to do the conversion for you you say no it goes but do you not want us to do the conversions for
10:23you and say no it says do you not want us to do the conversion the reason they're trying to force you
10:29and being so aggressive is because it makes them more money it doesn't save you money so ignore their
10:34threats and their bullying and their cajoling in order to pay in pounds you paying the local currency
10:40rather than for getting it right yes that's okay for you Paula Aggie you've got a question for Martin
10:44as well yes I like to have some cash with me when I'm on holiday should I exchange the currency in the
10:53UK before traveling or should I withdraw the cash at the holiday destination what on a card yes um do you
11:01have a specialist overseas card no then the answer is get yourself a specialist overseas card and spend
11:09on it preferably but if you do need to withdraw cash withdraw cash there's often a fee on the
11:13overseas ATM but generally the best thing to do is get one of these cards and spend on it if you did
11:17want cash then go on to a UK travel cash comparison site there are a couple of them out there and find
11:24which of the bureaus will give you the best rate never get it at the airport if you were going to ask me
11:29should I get it an overseas bureau de change then my answer to that would be only if you happen to
11:34know there's a really good one with really good rates when you go because otherwise doing the
11:38comparison in the UK will be likely be better than some local bureau that you don't know its rates when
11:43you go there but if you're going to get it out on card get one of these cards and get the cash out
11:47that way okay that's helpful and that one doesn't affect your credit score so you can do it quite easily
11:51um Martin there's a card you've not mentioned yet and this has come in from Tony have a look on the
11:57screen here we're going to Australia in December for a month but I'm really unsure as to what kind
12:01of travel card is best to use as we're thinking of getting a prepayment card can you help so
12:07Revolut is my top pick currently for prepaid cards now with it it works nearly this way but there is a
12:12limit on the amount of near-perfect exchange rate you get and it depends whether you do it on the
12:15weekend or the weekday which is why these are my top picks it isn't there is one difference though
12:20with prepaid cards and you can do it on Revolut which does this for Australia as well I believe
12:24I'd have to double check but I think I'm pretty sure I'm right you know I said you get the near
12:28perfect exchange rate at the moment you spend so whatever the exchange rate is at the moment you
12:34spend that's what you get with a prepaid card when you're putting cash on it you can choose to have
12:39the exchange rate at the moment you put the cash on so if you think hey the exchange rate's pretty good
12:46at the moment I don't want to take a risk that it's going to get worse for me then you can lock in
12:49the exchange rate when you put the cash on rather than waiting to see whatever the variable exchange
12:55rate is on the day that you spend I mean the truth is nobody knows which will be better than worse but
13:00if you're thinking hey I'd be happy with this exchange rate no matter what happens and I don't
13:03want to take the risk it goes against me then you could use a prepayment card that way and that's an
13:07advantage okay we're going to move on now so we've got this question in from Mary have a look at this
13:12Mary is saying I'm 80 years old and I booked flights for me and my daughter her passport had
13:18seven months until the date expired when we're about to board she was refused entry the airline
13:23was unsympathetic I did not know about this whose responsibility is it to pick up well checking
13:29whether you've got the right to fly is always your responsibility ultimately but I think you're
13:34missing something there I have a suspicion I know what that is now I need to say something very
13:39important to everybody border control and flight checks are getting more stringent there's an
13:45immigration issue going on around the world and that means companies are getting countries are
13:50getting stricter on who they let in so you need to be more diligent with your checks let me move on to
13:56where I was going to go and I think I'm going to explain Mary's issue here so I've got three crucial
14:00alerts for you first of all two checks everybody needs to do on their passport now these are very
14:05importantly this is about the day that you will enter the country let's make that passport bigger
14:10there we go so the first check is on the day you enter the country are there less than six months
14:17left on your passport or if you're going to the EU less than three months left if so that's a big
14:22problem but there's another rule even if you had seven months and this is what I think may have
14:29happened in Mary's daughter's case seven months left on your passport if your passport is over 10 years old
14:34many countries won't let you in now how could it be over 10 years old because it used to be that when
14:39you renewed if you had any spare time on your old passport they could add that on top so you might
14:43have 10 yeah you're nodding it happened to you might have 10 years 10 months and that can bar you too
14:47so you need to do both of those checks now if you have done those checks if there's yes to either of
14:55those then the safest thing is to renew before you go it takes three weeks typically to get a new passport
15:00and it's cheapest to do it online but let me be honest I'm hearing so many cases like this if I
15:06were seven eight or nine months away and the rule was six months I'd probably pay safe and get a new
15:11passport first anyway so that I've got more on it because it's being so tricky and it's very similar
15:16if you're traveling to the USA or passing through uh the USA you need to sort your ESTA now there is
15:23heightened border security in the states if you don't have this is your sort of online visa if you like
15:29without one people are being denied entry you need to be careful okay we are going into
15:37oh yeah I'm carrying on yeah you're carrying on yeah good it's live folks it's live
15:43right if you're going to the European Union there are 1.8 million European health insurance cards that
15:53expire this year you need to replace it with a global health insurance card let's just have a look at the
15:57AEHIC there you are there's the expiry date if yours is out of date you need to get a new one
16:03simple as that and the new one is a GHIC let's get that down now what does this do it gives you access
16:08to EU state hospitals or GP at the same price as a local so if it's free for them it's free for you
16:14and it's well worth having as a valuable addition to travel insurance not a replacement also worth
16:19noting it acts as proof in Australia Jersey Guernsey Isle of Man St. Helena Tristan and Ascension
16:23Islands that you where they have as a reciprocal health care arrangement in the UK so if you're
16:27going there it's worth having one as well most important point on this you can renew for free
16:34you must never pay for your EHIC or GHIC as it now is card there are shyster sites out there
16:41that act as if they're official sites and they say things like fast track it doesn't exist
16:46do not pay go to nhs.uk I'll probably crash that site right now check your card and renew there it's
16:53totally free that is the way to do it yeah just on that there's quite an important point here Angie
16:57has been in touch have a look at this now Angie's husband she said my husband doesn't believe in
17:02insurance so I secretly took travel insurance behind his back for a trip to Spain last year thank goodness
17:08I did as he had a stroke and also his EHIC was out of date I remember you mentioning on an emergency
17:15number if this happened on holiday so I phoned and got a provisional GHIC online thank you so much
17:20so I'll treat the two separately on the EHIC GHIC if you don't have it with you you and you you should take
17:32it with you it's a lot easier but if you don't you can always go into the NHS website and download an
17:36emergency form that will give you it but it's far better to have to have the card with you it makes
17:40life much easier on the not believing in insurance travel insurance is look this only covers you in
17:47a state hospital you might have many countries you'd go be taken to a private hospital and you have to
17:51pay and it cost a fortune I'm talking travel insurance later it can cost you as little as
17:54nine pounds for a week you might not believe in it but I'd probably still go and get it anywhere
17:59if you're going abroad it's a lot safer thank you very much you're coming up next we can't do
18:04without them these days so what's the cheapest way to take your phone abroad plus crucial tips on
18:09rebooking tips for Zara shoppers and for anyone who has suffered a flight delay we'll see you in four
18:14welcome back to our summer special in Bristol now we understand the GHIC website is really slow at the
18:36moment surprise surprise you might want to go back to that a little bit later but let's get right back
18:40into it now we've got this question here from Steve who wants to know about data roaming Steve's
18:44asking I'm out of contract with my mobile provider but I travel to Europe a couple of times a year
18:49it is very important that I get to use all of my data abroad that many new contracts don't offer this
18:54any hints well I slightly yes I slightly disagree with the premise though many of the major networks
19:00don't offer this but many of the smaller networks do seems like a decent time to go into the second part
19:07of my big briefing
19:08okay
19:12ET phone row I was very pleased when I write that I have to tell you I sat there this morning like I like
19:21that
19:22oh no
19:22oh I like an audience who like my jokes who can come again my family don't European travel phone
19:29row look EE Vodafone 3 charging around £2 a day to roam like at home which means use your normal
19:35home package when you're in the European Union and Virgin O2 is free but as on many piggyback networks
19:41those that use the other phone signals and sell them atop Labara smarty gift cap gift gaff now like
19:47Steve there are 18 million people now it used to be 14 it's now 18 million of people out of contract
19:53in the UK on their mobile phone free to switch and most of you can save a fortune you're paying vastly
19:58over the odds so what you do first text info no cost to 85075 to check if you're out of contract if
20:07you're on three or smarty or id mobile it'll ask you for your date of birth in a few cases if you're
20:11on a multiple handset deal it won't work all this does you then get a text back and it tells you what
20:15your disconnection fee is if it's nothing you're free to leave or free to haggle that's the best thing
20:21then going to a sim comparison site to a sim comparison website because most cheap deals aren't
20:26available direct from providers you go into a comparison site most of the cheapest deals the
20:30reason they're cheap is you get a voucher for Amazon or you get a prepaid MasterCard with it
20:34or something like that that effectively reduces the price and the prices I'm giving you below have
20:37factored that in so let me just give you an example of some of the cheap sims available right now
20:41which include roam like at home for free all of these have unlimited UK calls and texts
20:46for little data Labara 5 gig has a Vodafone signal on a one month contract depending which
20:52comparison site between £2.50 a month to £4 a month I mean nothing basically you want more
20:58there's id mobile that one's on the three signal and if you don't want these signals there are other
21:02cheap ones available on the comparisons and you only like using different underlying signals whether
21:06it's EE or O2 and this is a 12 month contract 40 gig a month three to seven pounds a month depending
21:13on the comparison site 120 quid a month equivalent once you factor in the voucher £5.50 to six quid
21:18a month if you're paying 20 30 quid and you can roam like at home when you're in the EU worth noting
21:24though if you do the data is capped on this particular one at 30 gig that's still quite a lot
21:29if you're going on holiday to use and finally if you are switching to keep your number you just text
21:34PAC to 65075 and then you'll be given a code or if you don't want to leave your existing firm take the
21:42cheap prices out there you're out of contract say I want you to keep me what you're going to give me
21:46to stay and see if you can haggle with them yeah just yeah I guess I think
21:51keeping on the subject of mobiles you did do a program about cutting the general cost of bills I
21:58wanted you to read this success that we've got in from Michelle another success after watching your show
22:03I contacted my phone provider I still had a month on my contract but they changed me to a sim only deal
22:07for 12 months and added EU data roaming for free all for six pounds a month saving me 67 pounds a month
22:15804 pounds a year thank you
22:17you see you're all cheering and you have to forgive me I have a totally opposite instinct
22:26why were you paying 67 pounds a month for that hideous contract and there are some of you out there
22:32right now I'm talking to you there are some of you there right now who are paying huge amounts
22:39for mobile phones your deal is punch you're paying off an old handset that you've already paid off but
22:44they haven't dropped the price on you and you're being ripped off like Michelle stop letting them rip
22:49you off and stop ripping yourself off by not acting yeah definitely
22:52right so speaking of data roaming abroad we've got Katie in the audience with a question tonight good
23:01evening Katie hiya hi um my husband and I are hoping to go to Canada with our teenage daughters
23:07for about three weeks next summer that's a lot of data well so how do I find the best deals to get
23:14mobile data because we haven't got it included in our contract and you almost certainly won't once
23:18you're going to a country like Canada and that's one of the countries that can be really expensive
23:21out there so let's move on to my next page which is going outside of the EU so look be very careful
23:29check your price UK networks can charge up to 15 quid a day for diddly squat of data you know and if
23:34your kids are going to start watching TV UK TV on it and going through the the VPN and all that type
23:39of stuff it's going to cost you a lot of money I mean hundreds thousands make sure you've got a cap on
23:43the amount on your mobile as well what I would do instead is try an eSIM have you heard of them
23:48okay an eSIM it's not it doesn't nothing physically changes you don't change the chip that's in your
23:53phone it just changes the phone's data setting to route it through another network and you pay that
23:58network's cost now to receive calls or text you'd have to flip it back to your normal sim which is
24:03on the settings on the phone but most people what you do is you just use whatsapp for calling and you
24:07use this new number the the data signal that you're going through prices they vary depending on where
24:13you're going and how long but you know Canada's not that different to the US I mean it is very
24:17sorry if any Canadians watching I know it's very different to the US but not for data terms and
24:21nine gig USA data that lasts 30 days cost you nine quid I mean it's less than you might spend a day on
24:27your mobile phone network I've got a list of providers right there now eSIMs have been around
24:32a while I've used myself pretty well but we wanted to I wanted to do a test because I knew we're doing
24:36the show I wanted to do a test of how people who had never used them found them so watch this
24:40we had four volunteers going on trips outside the EU who had never used eSIMs before and they
24:47said they'd give it a try let's see how they got on hi I'm Kelly from near Manchester I'm currently in
24:53Osaka Japan hi I'm currently over here in Florida on holiday hi Martin it's Linda calling from Bali
25:01good morning from Albania so we procured the eSIM in the UK it was 20 pounds to 20 gigabytes over a 14
25:11day period really easy to use you just have to follow the instructions so if it was standard rates
25:16it had been 140 pounds for that same period of time eight pounds I think it was for five gig that was
25:23plenty so yeah better than the 25 pounds I was going to be charged by my provider the connections been
25:30really good with video called home every day use Google Maps every day to navigate no problems
25:36the total saving of 75 pounds so easy I'd recommend it to anybody so yeah that's it road trip over and
25:44done so I highly recommend enjoy your travels
25:48so all four of them said it was easy and they'd use an eSIM again and they would recommend it to
25:59family and friends and who in here has used an eSIM abroad found it easy yeah I mean so I think your
26:07answer is go find the right eSIM for you in Canada some of them aren't as fast as others and it's trial and
26:12error so but and you can even get a new one when you're over there it's not if it's not a problem with the
26:15first one get a different one okay I've been looking forward to this you've got some hot
26:19holiday quick tricks haven't you oh yeah indeed oh yes change the screen not hot in that way of
26:26course okay the first one is the rebook trip if your hotel or car hire is cheaper now than when you
26:31booked it that's what you need to be checking now this is crucial if you've got free or cheap
26:35cancellation which quite a lot more bookings than they used to have keep checking the prices
26:40and then if it's dropped really weirdly early booking is generally cheaper but if they don't
26:45sell then late booking is really cheap or really expensive so you just need to keep checking if the
26:50price is dropped rebook and cancel really important you do it this way around because you might have
26:53found a false price and when you actually go to pay for it suddenly a lot more expensive you don't
26:57want it if you're already cancelled then you're in the poo poo so you don't particularly want that to
27:00happen I sent you a success on this you sent me a success I cannot believe this have a look at this
27:04right Peter I took a took out a two-week car hire in Spain the price the price started at 405 pounds
27:09I cancelled and rebooked eight times hopefully he rebooked and cancelled
27:13picked up an SUV on May the 6th for 94 pounds saving 311 pounds and a free upgrade
27:20I get so many of these every year for hotels as well it's well worth checking let me move on
27:29there's a Zara trick and also Massimo Dutti and Puddenberg which are part of the same group
27:32Spain and Greece are always cheaper I put it in inverted commas every time I've ever checked over
27:37the last decade they have always been cheaper but I can't actually promise because I don't know the
27:40pricing structures but I'm going to say always cheaper and this is the reason it's a trick
27:45the Spanish Zara website and the Greek one you can go onto the Spanish Zara website from the UK you can
27:51set the language to English and you can check a price of what you're buying and you can therefore
27:55compare it to the UK Zara website here's one I did but we didn't get permission to use the picture
28:01so so on a particular it was actually a red linen suit 169 pounds in the UK in fact in almost every
28:10occasion the euro price is cheaper than the pound price when you convert that into pounds that's
28:14about 126 quid so you're talking about a quarter of the price off Spain and Greece are where this
28:20really works it can be cheaper than Italy and France that has a different pricing structure so
28:25it's not always cheaper but if you're planning to have your book to go to Spain or Greece which is
28:29of course in Portugal as well which is that Spain of course is the home of Zara then and you buy in
28:34Zara don't buy anything before you go wait until you get there because it's going to be a lot cheaper
28:37than when you're there than here next know your flight compensation rights before you go this is
28:41important now this is for EU regulated and UK regulated flights which is any flight from the UK or
28:48the EU any flight but if it's coming back to the UK or EU it has to be a UK or EU airline
28:54so KLM New York to London KLM is Dutch fine EU airline American Airlines New York to London because
29:03it's coming back not fine because it's not an EU airline but there are hundreds of pounds of fixed
29:09payouts for flight cancellation if it then delays you or just a straight delay of over three hours plus
29:14if it's the airline's fault which most things tend to be with cancellations even if it's not the
29:20airline's fault you're due a choice of a refund or alternative flight as well so if this happens
29:25to you just have that in your head that's all I'm saying and if it happens to you do a search for the
29:29free help and complaint tools available online you could do it while you're sitting on the plane while
29:32you're getting in waiting for the door to open five hours later and get your complaint in if you
29:36think it's right and if it's happened to you in the last six years you can still backdate a claim
29:40five years in Scotland there is success on this the last time you covered this Kathy got in touch
29:44and she says after watching your show I re-pursued my claim with the travel company for a 19 hour delay
29:50they kept telling me the pilot wasn't part of the crew so I couldn't claim but I am now about to
29:55receive 1040 pounds for myself and my partner thank you
29:58pilot not part of the crew I mean look that's trying I mean ridiculous but the point of it is
30:09the airline is responsible for the staff staff that are flying the plane and if they haven't turned up
30:13it's the airline's fault not your fault it's the airline's fault so you're entitled to the conversation
30:17well done Kathy right final one let me scroll this one up here we go you shouldn't need to pay extra for
30:24your family to sit together on flights drip pricing you know where you book and then they add a hand
30:29luggage on and they add a suitcase on and then you add you booking your seats on that's called drip pricing
30:33means a family of four can cost 250 pounds return if you book the seats the civil aviation authority
30:39says airlines should aim to sit parents close to children and parents shouldn't need to pay to avoid
30:45being apart no more than an aisle or seat row apart now most airlines will try and sit you together
30:50BA 2e virgin wizard guarantee under 12s or wizard under 15s will be with one adult jet to an easy
30:56jet say their systems do it but you need to do the earliest check-in to make it work Ryanair well I
31:03can't do magic the adult will get to sit with a child but the adult must pay for their seat selection
31:10but worth remembering that if you don't want to pay for the extras that you do have some rights
31:13even if they don't all obey the CPA do you have to sit with your kids you've got a gorgeous six
31:20year old anyway coming up next I'm going to put your energy questions to Martin as promised earlier
31:25and we'll be talking about all things travel insurance and whatever else you ask for we'll see you in for
31:29welcome back it's our summer special we're underneath Concord in its hangar in Bristol and what a
31:49glorious hangar it is Jeanette lots coming in over the break but I know you wanted to focus a bit here
31:54on energy right so let's have a look at this now lots of you at home getting in touch about energy
31:59and this is what Kevin's saying I was in the studio he's out there sorry Kevin good evening hello mate
32:04hello welcome is it better to sign up to a fixed rate energy supply now or keep watching the variable
32:13rates across a number of companies and sign up to the most competitive at any given time variable rate
32:19or fixed rate sign up to a fixed rate wait so basically sign up for a fix now or wait to fix
32:24no sign up for a fix right now or just keep watching the variable rate and swapping the
32:30swapping the company depending what next question no let me just right Friday we're going to hear the
32:39announcement of the next price cap variable rates tend to be on the price cap um this is the big and
32:44that's going to hit in July now I have my energy graph with me I take it everywhere I go it's quite
32:49heavy but here we are so this is what has happened it went up 10% in October it went up another 1% in
32:54January went up another 6.4% in April and here is what is predicted to happen on the 1st of July that
33:01they'll announce on Friday down down six to eight percent back to where we were in January nowhere near
33:10where we were last summer it ain't that great right let's be straight it ain't that great so but to work
33:16out the answer to your question we need a couple more facts this is a pretty locked in projection
33:20it's going to be close to somewhere around that type of area you know maybe there to there because
33:24we're now through the assessment period which is which finished this week it goes back three months
33:29what is the prediction afterwards much more crystal ball gazing now but let's put them on
33:33here's the range of predictions so generally thought it'll come down a bit more once we get to
33:39October and then maybe go up next year but if you look it's roughly let's say roughly where it is
33:44right now yeah now look at the cheapest fix
33:4718% below the current price 18% below the current price right now so you might want to sit on the
33:58variable but I mean you just kind of you could all save instantly 18% with the cheapest fix go into
34:04comparison site your usage and region depends how much it is and make sure you're finding the right
34:08one for you but 18% cheaper right now and if those predictions are right fixing right now would
34:14save you massively compared to what is predicted to come now there could be some global economic
34:18change that you know means things are going to be very different but at every point over the last
34:22year fixing would have saved you money I thought you were going to ask me should you wait to fix
34:25because that would have been a more sensible question
34:27and the answer to that is people think when this come downs in July fixed prices will get cheaper but
34:33this remember is set based on past prices and fixes are set based on future prices I can't tell you
34:40whether the fix will get cheaper or more expensive in the future because nobody knows what's going to
34:43happen to markets I can tell you if you fix right now you'll be saving 18% today and you'll very
34:49likely be undercutting whatever is going to be available on the price cap for the next year
34:52so back to my short answer fix
34:56excellent thank you
34:57thank you mate thank you for the lovely question
34:59okay so we've gone from energy we're going back to travel now and Nina wants this here you always say to get the travel insurance as soon as you book but do you get it to start from the start date you book it on or just to cover the actual holiday dates
35:14it's a great question because I have had a lot of people getting confused about this so let's go to my big travel insurance meme if you like
35:19get it as soon as you book A S A B correct well done
35:27how many people in here have booked a holiday this summer hands up now put your hand down and keep your hand up keep your hand up if you don't have travel insurance yet be honest
35:40oh there's about 30 of you in here it's a terrible mistake it's a terrible mistake do not wait
35:47if you've booked and you don't have travel insurance yet do it now is the basic rule
35:52someone replied to me on Twitter which explains so well why
35:55yeah you sent this in to me it shows just how important it is have a look at this here
35:59make sure you get travel insurance as soon as your travel is booked my parents made the mistake of waiting till closer to the date and my mum got diagnosed with cancer and had no choice
36:09but to cancel as she needed life saving surgery they only got 10% back a really expensive mistake
36:16if half the point of travel insurance is to cover you in case something happens that stops you going before you go
36:24so if you leave it very late you've given away half the point of the cover and you're unprotected which is where the AICB comes from
36:31but go back to Mina's first question um what counts well look if it's a single trip policy you're just booking for the individual holiday
36:38you get it as soon as you're booked so let's say you're going away on the 10th and 17th of August
36:43you buy now a policy to cover the 10th of August the fact that you've bought it means you have the cover in place for the holiday
36:49so if something happens beforehand you're covered so that's about you get the start date for the date you're going but you buy it now
36:57more complex with annual travel insurance which covers all your trips away in the year with some limits
37:02so if you don't have cover your start shape date should be as soon as possible after you book not the holiday date
37:08so if you're getting it for August today you get a policy and it has to start today otherwise you're not covered if something happens in advance
37:14if you already have annual cover in place and it goes on or you might have it through a bank account or something
37:19and it goes on until after the holiday date you're sorted I don't know why I put bonds there I was in Australian mood
37:24I have no idea why I wrote that but I did it's fine the more complicated one you have annual cover in place
37:30let's say you're going away in August the annual cover lasts you until the end of July
37:33now most firms will cover you if something happens while your policy is still live for a holiday after the date
37:42the vast majority of firms but not everyone so check your travel policy quick tip travel policy is very long and complicated
37:47put it into a PDF reader that has AI and then ask AI the question and it will actually be able to find it for you
37:53it's quite an easy way to do it but this is what you'd need to do in that circumstance
37:56you would need to get a new policy that starts the day your existing annual cover policy ends
38:01so that you have continuous cover but you need to do that now so in the event that your cover ends in July
38:07for an August holiday today you need to book an annual policy starting the day after your existing annual
38:13policy ends but you need that now or there can be issues in doing so so that's what I mean by ASAB
38:19ASAB is a lot simpler to say a lot simpler to say
38:23do you know hoping to get more of your questions in after the break but coming up after the break
38:27hundreds and thousands of you are missing out on help with child care costs so we'll see you soon
38:32welcome back it's the final bit of our summer special I went a bit long so we've had to drop the
38:50questions on over 65 and pre-existing conditions travel insurance I'm going to do videos and put
38:55them on my social media feed of exactly what you need to do in those circumstances so keep your eye out for
38:59those in the next couple of days okay okay let's kick off this last part of the show
39:03with Kelly in our audience
39:05Martin
39:06hello
39:07yeah family of four going to Spain in July looking to hire a car just wondered where we start looking and
39:15any advice the hire itself is easy peasy go on to car rentals kayak they will find you the cheapest car hire
39:24generally booking early is better but the free cancellation the rebook trick I mentioned earlier
39:27is always good yeah keep an eye on that particular one the difficulties the insurance anyone here had
39:31issues with insurance when you get to picking up a car her abroad yeah it's a nightmare isn't it
39:36so what they're going to do is they're going to you're going to get there and they're going to say
39:39you'll need excess insurance now you have extra insurance on car hire what you tend not to have
39:44is they'll charge you up to a thousand or fifteen hundred pound excess if you have a claim
39:48and they'll say you get a scratch it'll be fifteen hundred quid they scare sell you into getting the
39:52insurance that insurance can cost you more than the car hire it could cost you twenty twenty five
39:56euros a day when you go to pick up and they will do everything they can commission based to make sure
40:02that you get that car hire so first of all this is what I suggest you do you go onto a website called
40:06money maxim which is an excess insurance car hire comparison so basically get the same policy here
40:12before you go two euros a day instead of twenty euros a day right far far cheaper when you get
40:18there you tell them you've got that and they go no you can't use it that's what will happen
40:22and they'll say and you push them and I'll say okay we need to deposit how much I need twelve hundred
40:27pounds and you say here's my debit card no it has to be a credit card it has to be a credit card you've
40:32got a credit card has to be a credit card and they'll say hold on did you book it no no it has to
40:37be in the main in the booker's name or in some case the main driver's name so I suggest the main driver
40:41books and then they can't so you're going to need to leave a deposit on a credit card the main driver
40:46should book it and then they go huh and they say okay take the car and you give them the keys you've
40:53left your deposit you go and if you do have a claim and they do charge you that's you then go to
40:57your excess insurance company and I've actually done this and had a claim on my excess insurance
41:00company and they give you the difference back but it is a it is not simple but that's the recipe
41:06for doing it right thank you go and do a little bit more reading on it but I hope that gives you an idea
41:09it's the insurance that's the issue okay great stuff shall we have some news you can use martin okay
41:17so look if you're paying for child care this summer or frankly year round it's a summer show so I pegged
41:22it that way if the child care you're using is ofsted or equivalent in other uk nations registered
41:27nurseries school holiday clubs child minds etc there are 800 000 parents who are eligible missing out
41:35on the hideously misnamed tax-free child care I say it's hideously misnamed
41:39because it's nothing to do with tax and it's not tax-free
41:47I would call it by the way the working families child care top-up because it's for working families
41:53and it's to top up on what you pay for child care and it's plain much better and I'm lobbying to change
41:56that now it's only for under 12 or under 16 if the child has a disability do check whoever you're
42:01paying would take tax-free child care payments almost all of them do but it's worth checking
42:05you must both be working or if you're a single parent you must be working and you need to earn
42:10the equivalent of 16 hours at national minimum wage which depends on your age but for someone
42:14aged over 22 is around 850 pounds or more a month but if one of the parents is earning over 100 000
42:20pounds a year you're not eligible your neighbors might be earning 99 000 pounds each in a couple
42:25they get it you don't ridiculous system anyway you can tell i've got issues on this um but this is
42:31the most important bit for each e80p you put in via the gov.uk tax-free child care account the state
42:36adds 20p on top that's a 25 boost on what you're paying up to a maximum 500 pounds a quarter which
42:42adds up to 2 000 pounds free per year check it out if you're paying for child care even if it's only
42:47child care for the summer holidays you're sending your kids to a holiday club with the school that's
42:52ofsted registered you can utilize this and the same is true if you're on universal credit and working you
42:57can only choose one of these if you're on universal credit and working this wins don't do that one this
43:01wins then you can claim some of the costs for under 17s here up to 85 85 of the costs but up to a
43:08maximum amount just over a grand if you've got one child nearly 1800 pounds if you've got two children
43:14you do this via your universal credit account you just claim it online but sadly it is paid for in
43:20arrears again it's the same rules about working you have to be working or both of you working if you're
43:24in a couple as a separate issue just important if your child is age 4 to 16 and gets free school meals
43:31in england check for local help and do it sooner councils have to provide enriching activities and
43:36one free meal per day search your council's name and holiday and food activities program do the search
43:42combined and see what it's doing some of them you know they have limited numbers so the sooner you get
43:47in the better some are closing and some haven't opened yet and if you're in the rest of the uk scotland
43:51wells and northern ireland they don't have the same scheme but many local councils run similar
43:55schemes and that's worth checking out yeah we've had this comment in from owen who knows this all
43:59too well we only discovered tax-free child care in october 2023 two years after our son started
44:06nursery by then we paid 11 361 pounds in fees and had we known about tfc the government would have
44:12contributed 2272 pounds yeah but it just shows you how important and how miscommunicated it is
44:19worth also noting that the 30 free hours for age nine months it's not free 30 funded hours for age
44:24nine months to five-year-old children uh for working parents in england starts this september i could
44:29do much more on that i've done a podcast on it listen to that probably not i'd say that on the
44:32telly but i've just done it right if you've got time for a quickie or five um there's a year's two
44:36for one garden entry uh available in a 10 pound may edition of bbc gardeners world magazine but you can
44:41go to the gardens two for one every time for a year it's often that's the equivalent to one entry on
44:45two for one and just paying a tenner it's only in stores till tomorrow you could do it by mags
44:48direct.co.uk uh but you might have to pay postage uh if you've got a will you can register it for
44:54free in may as an extra precaution normally you pay 30 quid to do this all this means is you
44:58register with this commercial company national will register that 10 million people have used where
45:02your will is stored and it remembers it so that if people don't know when you die they can go and
45:07search there the search will cost so it's far better to let them know but it's a good free thing
45:10you may as well do for extra we're running out of town a year's disney plus for 50 quid normally
45:1490 quid and free uber eats delivery what it actually is sign up to uber one that costs 50
45:18quid they give you free disney disney plus which is actually what more people are interested in
45:22and that's why you get the uber eats uh delivery for free on top but it's really a way of getting
45:26cheap disney and my final two 25 off a digital rail card for at least a third off most trains go
45:30to trip.com user code hot rc9 there are other codes available um for all those different rail
45:35cards and if you're age 20 to 25 on the 30th of june grab a three four year rail card worth 100
45:39quid you put 50 quid in the sandhanger account just play it put it in the easy access savings
45:43if you really want to use it go for the cash ice and need a minimum 500 quid register online banking
45:47keep your money safe till the 30th of june then just take it out and you get the hundred pound rail
45:50card you get the redemption link our online banking i've got 10 seconds left thank you to everybody in
45:54here thank you to jenette sorry for rushing at the end we're back in the autumn bye
46:00thank you for watching that and fast forward thanks martin as always lots of useful info
46:13up next here is said to be the worst medical disaster in nhs history the british blood
46:19scandal poisoned at school is in a couple of minutes
46:36you
Recommended
29:25
|
Up next
44:14
22:36
44:14
44:14
21:46
21:46
45:10
41:31
45:06
45:13
56:59
44:50
45:28
38:01
46:40
46:41
46:41
46:41
46:37
46:37
46:37
Be the first to comment