tesco travel insurance for employees

Tesco Bank launches Travel Insurance

23 March 2021

• Travel added to Tesco Bank’s award-winning insurance range that includes Pet, Home and Car
• Protection against Covid-19 related disruption as standard
• Three levels of Defaqto-rated cover are available, as well as optional extras and add-ons
• Tesco Clubcard points and a discount are available to Tesco Clubcard members

Tesco Bank has expanded its offering to customers with the launch of travel insurance.

Tesco Bank Travel Insurance will include Covid-19 cover as standard, to help protect customers who test positive and experience Covid-19 related disruption, either before or during their trip.

Three tiers of cover are available to suit a range of customer needs, offering different levels of protection for travel and belongings.  All policies come with core features that include cover for medical expenses, trip cancellation or delays, and lost or stolen baggage or money.

Customers can also tailor their policy with a range of helpful optional extras and add-ons, such as gadget protection and Winter Sports Cover.

Two specialist products are available aimed at backpacker travellers and customers aged over 80.

Policyholders will enjoy helpful rewards, including the ability for children under 16 to be covered for free on single and annual multi trip policies and the chance to save money on their travel insurance when they buy Tesco Travel Money first. Tesco Clubcard members who buy direct can save 5% and collect Clubcard points when they provide their Clubcard number.

Mark Airey, Tesco Bank’s Insurance Commercial Director, said:

“We’re proud to expand our award-winning insurance offering to Tesco shoppers with the addition of Tesco Bank Travel Insurance.

“We appreciate that the immediate outlook for travel remains uncertain, however the need for travel insurance is greater than ever – whether holidaying in the UK or abroad.  Offering Covid-19 protection as standard helps to give customers peace of mind they are protected should they test positive, and they have to cancel or cut short their trip.

“With a range of cover levels available to Tesco shoppers, we’re confident customers will find a policy that suits them and their holiday once travel at home and abroad is permitted.”

Tesco Bank has partnered with ROCK Insurance Group to manage the scheme, while ROCK has selected Axa Partners to provide underwriting, claims handling and medical assistance services.

Antony Martin, Managing Director at Rock Insurance Group said : “We are incredibly excited to be partnering with Tesco Bank to launch travel insurance to its customers. ROCK is providing Tesco Bank’s customers with a wide range of travel insurance products and services that are available online or via a dedicated call centre, meaning that more people will be protected and have the confidence to travel as soon as restrictions have eased.”

Paul Moloney, Sales Director at AXA Partners said : “We’re delighted to announce our new partnership with Tesco Bank to provide underwriting and other services for its new travel insurance proposition.

“It is our duty as insurers to safeguard customers’ trust; implementing solutions that provide assurance and protect what matters. We very much look forward to providing Tesco Bank customers with quality travel insurance cover both now, and when we are free of this pandemic.”

Tesco Bank Travel Insurance can be purchased by visiting https://www.tescobank.com/travel-insurance/  

Notes to editors

• Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch.
• Monetary limits, excesses and exclusions apply to cover.
• Covid-19 cover includes cancellation if you fall ill with Covid-19, medical claims whilst travelling, and curtailment (if you need to come home early) due to the illness of a close relative due to COVID-19 We don’t include cover for cancellation where the Foreign, Commonwealth & Development Office and local authorities advise against travel.
• Cover can be purchased on a single trip or annual basis and will be available to individuals, couples, families and groups of up to 12.
• Backpacker insurance is aimed primarily at travellers looking for cover for trips longer than three months or a variety of destinations, while the Later Life policy is designed for customers over 80 years old who may find it difficult to obtain cover due to pre-existing health conditions.

Tesco travel insurance review

Did you know that you can get more from your weekly shop from Tesco? Tesco travel insurance is one of many financial services the brand offers and could give you peace of mind on your next trip.

• Tesco Bank offers a wide range of policy types and cover levels.
• It has many optional extras you can add to tailor your policy to you.
• With some policies, it offers an online GP for you to access should you need it whilst away.
• Clubcard holders can often access deals to lower the price of their policies.

FAQs: Tesco Travel Insurance

Does tesco bank offer car insurance.

Yes, Tesco Bank offers a wide range of car insurance policies - with more common policy wording for drivers aged 21 and over, those driving electric cars, or those aged 50 and over. They also offer car key cover, which can be exceptionally useful for those with forgetful drivers in the household! Tesco also offers a range of home insurance policies.

Who is Tesco Bank authorised by?

Tesco Bank is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch.

Do I get a Clubcard discount on Tesco Bank travel insurance?

At the time of writing (August 2023), Clubcard members can get a 10% discount when they buy travel insurance directly from Tesco Bank using their Clubcard number. However, the discount does not apply to Later Life Cover or add-ons, even if you have a Tesco Clubcard. You also get a 10% discount if you buy your foreign currency with Tesco Travel Money.

Does Tesco Bank offer pet insurance?

Yes. The bank offers dog, cat, multi-pet, and lifetime pet insurance options. It’s essential to read the specific policy documents for each policy before you buy one so that any insurance claims you need to make are more likely to be accepted.

Tesco Bank is a versatile provider, offering a range of insurance products designed to safeguard your assets and travel experiences. Here, we evaluate their travel insurance options. 

Whether you're looking for single-trip, multi-trip, or specialist cover, or need assurance about pre-existing medical conditions, our panel of travel insurance providers has you covered. Click on your chosen provider below to get started.

• Some restrictions based on age

What types of cover does Tesco Bank offer? 

Tesco Bank offers a wide range of travel insurance policies, which is excellent news as it means you are more likely to find an option that works for you. 

Annual multi-trip cover

Tesco offers annual multi-trip policies, meaning you only have to buy insurance once to cover all the trips you take over a year. You’ll need to ensure you meet the requirements for each of those trips you make so that it’s suitable for you. For example, each trip has to be under 31 days long, and you have to start each trip from your home in the UK and return to it at the end.

Multi-trip cover can mean you get better value buying cover in this way, as opposed to taking out cover every time you go away. Plus, it’s more convenient too. 

Single trip 

Sometimes, purchasing a single trip policy makes economic sense after running a price comparison and if you plan to go abroad only once in the next 12 months. You can buy cover for the length of your trip, and you protect yourself against any eligible losses, such as a missed departure, from when you purchase it. 

Tesco’s backpacker travel insurance cover option is for if you’re going away on a long trip of up to 18 months. During that period, you can travel to various countries without needing to purchase individual policies for each destination. It’s a good idea if you’re planning a long trip in retirement and off on an exciting adventure. However, it’s unsuitable if you are moving abroad. 

The company also offers three levels under these brackets: Economy, Standard and Premier. Each insurance level has different coverage and amounts, with Premier offering the highest protection. 

In addition to these cover types, you can buy several optional extras, including: 

• Winter sports coverage includes protection for your ski gear, piste closures, and avalanches.
• Golf cover includes extras such as golf equipment and green fees if you are unable to play.
• Cruise cover includes potential reimbursement for a number of problems, such as missed port departures or cabin confinement
• Gadget cover is another optional extra which means you can cover mobiles, e-readers, tablets or smartwatches if they’re lost, stolen or damaged in some way.

Always make sure to read the policy wording of any potential products you purchase to ensure that you will receive reimbursement for any claims you submit. 

What medical conditions does Tesco Bank travel insurance cover?

Different insurers cover different pre-existing medical conditions . It’s imperative that you double-check what Tesco covers you for if you have one so that you insure yourself for any medical expenses that arise from unexpected medical treatment whilst on your trip.

Plus, it’s essential that you declare what pre-existing conditions you have. If you don’t, your cover may not be valid. You may also have to declare any test results that you are waiting for. 

What are the benefits of Tesco Bank travel insurance? 

Despite starting life in the grocery sector, there are many benefits, including: 

Defaqto rating

The Standard and Premier cover for single and annual multi-trip policies have a 5-star Defaqto rating. 

Kids under 18 go free

Going on holiday with kids (or grandkids) is not cheap. Travel insurance offers can sometimes take the sting out of some of the cost, with this one from Tesco being particularly appealing if you have a family. Up to four kids under 18 can go free on each single or annual multi-trip policy. 

Levels of cover

Being able to pick the level of cover you need for the length of trip you require offers great peace of mind and means you are not overpaying or underinsuring yourself at any point. Plus, within those policies, you can choose between other levels of coverage to ensure you are not paying for clauses you don’t need in your policy. 

Online doctor

On Tesco’s single trip and annual multi trip policies, if you choose Premier Cover, you can access an English-speaking GP on the phone or via your app. If you buy backpacker or later-life products or policies, you get access to the GP as standard. 

Covid Cover

Covid might not be part of our daily lives anymore, but it could still impact your travel. Tesco's Covid coverage includes protection for trip cancellations or curtailments if you get Covid. It also means you can access medical treatment if you catch Covid whilst on holiday or have to fly home earlier than planned if your destination region goes into lockdown while you’re away.

However, Tesco does not offer coverage in cases where trip cancellation is advised by the FCDO (Foreign, Commonwealth & Development Office) or your local authority due to all travel or non-essential travel restrictions.

Purchasing Tesco travel insurance policies 

Tesco bank’s policies offer an array of choices, plus all-important optional extras such as gadgets and mobile phone cover, which mean you can get comprehensive cover for various risks or issues.

It’s essential to look at your requirements and see whether the final price means you get good value from Tesco’s travel insurance products. Given the breadth of Tesco’s policies, you’ll likely find a viable option for you.

Image Credit: nappy at Pexels

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Tesco Travel Insurance Review: How do Prices Compare?

• Getting a Tesco Clubcard discount
• Covering end supplier failure and virtual doctor acces (top-tier Premier Plan)
• Good add-on options
• Mobile phone only covered if you get the gadget add-on

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

Buy Holiday Insurance Today

One form to fill out. Compare quotes from 20 insurers in under 2 minutes.

Tesco travel insurance offers 3 tiers of cover, from a bare bones Economy plan to their top-rated Standard and Premier covers. Here's what you need to know about what they offer.

In This Review

Tesco holiday insurance key points, is tesco travel insurance any good.

• Tesco Cruise Insurance

Tesco Holiday Insurance Price Comparison

Tesco holiday insurance types - economy, standard premier, tesco travel insurance vs admiral travel insurance, tesco travel insurance vs saga travel insurance, tesco travel insurance vs direct line travel insurance, tesco travel insurance phone number, tesco holiday insurance.

Tesco offers three levels of Annual and Single Trip travel insurance—Economy, Standard and Premier, which are underwritten by Inter Partner Assistance (par of the AXA group).

Trip cancellation is included on all policies, in addition to emergency medical expenses and travel delay.

The higher tiers include higher coverage limits and the top tier include access to a virtual doctor and end supplier failure, which can be a valuable feature.

Here are some key points:

• 3 levels of cover (Economy, Standard and Premier)
• Multi-trip cover for any number of trips up to 31 days each
• Single-trip cover for trips up to 365 days
• 10% Tesco Clubcard discount when you buy direct (enter your Clubcard number when you get your quote)
• Top-tier Premier policy includes end supplier failure and access to a virtual doctor
• Optional extras: winter sports, golf, gadgets, cruise and car hire excess insurance cover
• Covid cover includes : if you have to cancel or cut short your trip as a result of contracting COVID-19; medical treatment if you contract COVID-19 abroad; if you’ve got to return home early because the region you’re in goes into lockdown.

Does Tesco Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Tesco Annual Multi-Trip policies, so long as you pre-booked at least 2 consecutive nights of pre-booked accommodation or pre-booked transport at least 50 miles from home.

Pre-Existing Conditions: Tesco may be able to offer cover for some pre-existing medical conditions, for an added cost in most cases. If Tesco is not able to offer cover for your pre-existing conditions, then claims arising as a result of those existing conditions would not be covered. As part of the quote process you will be asked a number of questions about the health of you and your travelling companions.

Over 65s: The policy booklet states that the age limit for single and annual multi trip policies is 79 years old, with a max of 65 years for the winter sports add on. However, those 80 or older can call 0345 030 6127 to discuss a quote over the phone.

Tesco prices seem competitive relative to others in the market, considering the features. While their claims figures for 2021 left us with some questions, figures for 2022 look more promising. , has lower claims acceptance rates. The latest data from the Financial Conduct Authority shows that their underwriter, Inter Partner Assistance SA, accepted 70-75% of claims made on annual European policies in January to December 2022, just a touch below the industry average of 76.15%. In terms of worldwide policies, it accepted 80-85% of claims (much better than the 60-65% the previous year), just on target with the industry average of 81.56%.

Does Tesco Travel Insurance Cover Cruises?**

Cruise cover is available with Economy, Standard and Premier Tesco travel insurance policies as an optional add-on for an additional cost. Over 80s who buy Later Life travel insurance get cruise cover included as standard for no additional cost.

We gathered Tesco travel insurance quotes for a solo 30-year-old traveller, for single trip cover (2 week trip) and annual, multi-trip cover, across a range of geographical locations, and found prices starting from under £40 for a 2-week trip.

Oddly, we found that annual, multi-trip cover was in some cases cheaper than single trip cover, so if you think you can save money buying single trip cover be sure to check annual prices as well!

For example , single trip cover for a 2-week trip to France was quoted at £39.94, but an annual policy cover Europe was only £27.65, clearly the better deal there.

According to our research, prices of Tesco's provide good value according to the average cost of travel insurance .

Unsurprisingly, Tesco's Premier travel insurance is noticeably more expensive—Premier policies not only include higher levels of cover for baggage, trip cancellation, etc. but also include end supplier failure and virtual doctor access.

Not reflected in these prices is a 10% discount for Tesco Clubcard holders. You need your Tesco Clubcard membership number on hand when applying online to get the discount.

Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use this data for general educational purposes only; your quotes may reflect a large degree of variation.

You can learn more about average costs for these locations in our other research on UK travel insurance costs for Europe and America .

Cover for a family of 4 is basically 2X the cost of cover for a solo traveller, because kids go free!

Tesco offers three tiers of travel insurance—Economy, Standard and Premier.

Optional extras that you can add on to all three tiers include winter sports, golf, cruise, gadget and car hire excess insurance cover.

Tesco Single Trip travel insurance covers trips up to 365 days abroad. Tesco Annual Multi-Trip policies cover any number of trips a policy year, up to 31 days each. Those under age 65 can extend the maximum trip duration to 45 or 60 days for an extra charge. There is a 15-day maximum trip length for Winter Sports trips, if that option is purchased.

Tesco Economy

Economy is Tesco's entry-level travel insurance plan. Emergency Medical expenses and Travel Delay are included, plus you get £1,000 per person for Trip Cancellation.

However, there's no cover for end supplier failure, no cover for missed inbound departures, no access to a virtual doctor and lower limits for most coverage categories across the board.

The excess is £99 per person.

Tesco Standard

As Tesco's solid mid-tier offering, Standard policies have similar features to the Economy plan, but offer cover for missed inbound departures and higher limits across most coverage categories.

The excess is £75 per person.

Tesco Premier

Tesco Premier is the top-tier travel insurance plan with the highest levels of cover across nearly all categories. Additional cover includes end supplier failure and access to a virtual doctor.

Another perk is that there is no excess with Premier plans if you have a successful claim.

Cover Limits (Single & Annual Multi-Trip) per Insured Traveller

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

Tesco Travel Insurance Reviews

To better understand the value of Tesco travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Admiral travel insurance offers three tiers of travel insurance cover, all for very competitive prices and including Personal Belongings protection.

Those looking for cover for catastrophes (e.g., volcanic ash cloud and storms) should consider one of Admiral's top two tiers—Gold or Platinum.

If your plans include a cruise in the next year, then Admiral offers comprehensive Cruise cover for an added cost (included on Platinum), which includes Missed Port Departure, Cabin Confinement, Unused Excursions and Cruise Interruption. Insolvency is not covered on Admiral plans, however.

Bottom Line: If your travel plans include a cruise, then Admiral might provide more comprehensive travel insurance for you—but you can buy cruise cover as an add on with Tesco.

Saga travel insurance if offered as one, simple travel insurance plan to those over 50 years of age—with no upper age limit.

We like that Saga includes cover for Catastrophe and a higher level of Personal Belongings/Baggage cover on all policies, plus Golf.

Another perk is that travellers whose international flight is delayed more than 2 hours can benefit from access to a LoungeKey airport lounge, as part of Trip Delay cover.

While travellers can be covered of any age, prices do rise steadily for older customers.

Bottom Line: If you are an older traveller, especially in your 70s or 80s, Saga may be a more viable travel insurance option for you, as they specialize in "mature" travellers.

Direct Line travel insurance plans include cover for End Supplier Failure and Natural Disasters, plus cover for the replacement cost of used points or miles in case of Cancellation/Curtailment for a trip bought with air miles or another rewards structure.

While prices are a bit higher than average, according to our analysis, you are getting these extra cover features.

One surprising extra is Baggage—you'll need to pay extra to cover your personal belongings as they're not included as standard—BUT once purchased, your mobile phone will be covered as part of Personal Belongings/Baggage.

Bottom Line: If you really want cover for your mobile phone when you travel, you can get cover through Direct Line's optional Baggage cover.

• Tesco travel insurance online claim form
• Tesco Travel Insurance Policy Wording

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Advertiser Disclosure : NimbleFins is authorised and regulated by the Financial Conduct Authority (FCA), FCA FRN 797621. NimbleFins is a research and data-driven personal finance site. Reviews that appear on this site are based on our own analysis and opinion, with a focus on product features and prices, not service. Some offers that appear on this website are from companies from which NimbleFins receives compensation. This compensation may impact how and where offers appear on this site (for example, the order in which they appear). For more information please see our Advertiser Disclosure . The site may not review or include all companies or all available products. While we use our best endeavours to be comprehensive and up to date with product info, prices and terms may change after we publish, so always check details with the provider. Consumers should ensure they undertake their own due diligence before entering into any agreement.

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**4.8 out of 5 stars on Reviews.co.uk is the rating for our insurance comparison partner, QuoteZone.

Backpacker Travel Insurance

When dreams of exploring continents, not just countries, become reality.

Designed for a longer single trip up to 18 months, often to multiple countries. You may find this type of cover is right for you if you’re planning a gap year or career break if you’re under the age of 50.

• Choose from Economy or our 5 Star Defaqto rated Premier cover. Monetary limits, excesses and exclusions apply.
• With Clubcard Prices, Clubcard members get a 10% discount when you buy direct. Discount doesn’t apply to Later Life cover or add-ons. Just enter your Clubcard number when you get your quote.
• Access an English-speaking doctor virtually or by telephone appointment should you need it

Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust).

COVID-19 cover includes

• If you have to cancel or cut short your trip as a result of contracting COVID-19.
• Medical treatment if you contract COVID-19 abroad.
• If you’ve got to return home early because the region you’re in goes into lockdown.

Remember to check the latest Foreign, Commonwealth & Development Office (FCDO) and local authorities travel advice before you go. We don't include cover for cancellation where the FCDO or local authorities advise against travel. For full details of the COVID-19 cover provided on our policies take a look at the policy booklet . Monetary limits, excesses and exclusions apply.

Some little helps to get you on your way

Compare cover levels.

Monetary limits, excesses and exclusions apply, please see the policy booklet for more information. The maximum limits payable are shown below.

Additional cover

You can choose to add the additional cover below for an extra cost. Monetary limits, excesses and exclusions apply, please see the policy booklet for more information.

Cover for your gadgets including mobiles, e-readers, tablets and smartwatches if they’re lost, stolen or damaged.

Gadgets must be bought new or used from a UK VAT-registered company (or, if bought overseas, a company with the equivalent tax registration), bought second hand, or gifted to you. To make a claim you must have valid proof of purchase. A £50 per person excess applies to all claims.

Need a different type of cover for your trip?

We also have Single Trip cover as well as Annual Multi Trip cover for multiple trips in a year.

Important information

It’s important that you review the full policy document for your Travel Insurance policy. It contains details of cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.

If you purchased or renewed your travel insurance policy on or after 13 December 2023, your policy document is below.

If you purchased or renewed your travel insurance policy before 13 December 2023, your policy document is below.

The Insurance Product Information Documents summarise the key features, benefits and exclusions of cover.

The Insurance Product Information documents summarise the key features, benefits and exclusions of our additional cover.

Gadget Cover Documents

If you purchased or renewed your policy on or after 13 December 2023, your policy document is below.

If you purchased or renewed your policy before 13 December 2023, your policy document is below.

Car Hire Document

How we collect and use your personal data.

Tesco Personal Finance PLC (trading as Tesco Bank) acts as an intermediary for this policy. Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust). You can find out more about how ROCK will process and share your data in their Privacy Notice.

ROCK will share some of your information with Tesco Bank as set out in their privacy notice and you can find out more about how Tesco Bank will then process that data in our Privacy Policy .

ROCK will also share data with IPA UK and AmTrust so that they can underwrite your policy and if you make a claim. You can find out more about how IPA UK will process your data in the ‘Data Protection Notice and Fraud’ section of the Policy Wording document and by visiting the  AXA Assistance website and AmTrust Europe website .

Weekend Money: The price of getting divorced

A couple could pay up to £2,600 for an uncontested divorce and between £10,000 and £30,000 if it is a contested case. Read this and more in Weekend Money, and we'll be back with live Money updates on Monday. Leave a comment on anything we've covered below.

Saturday 6 April 2024 10:25, UK

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By Bhvishya Patel, Money team

We're all familiar with the stats - nearly half (42%) of all marriages in the UK end in divorce.

But unless you've been through it, you'll probably be surprised at how much getting divorced costs. 

It varies depending on where you live and how you do it, but according to MoneyHelper a couple could be looking at between £1,300 and £2,600 for an uncontested divorce and between £10,000 and £30,000 if it is a contested case - for example, you've failed to reach an agreement and the case is taken to court.

The cost can climb even higher if the case drags on.

Family court backlogs mean a quick resolution is almost unheard of - with Ministry of Justice figures showing the average divorce takes more than a year to complete.

So what do you need to know?

This table shows some of the main costs to consider when getting a divorce.

Can you do it for less?

Although the process had become a lot more straightforward with the introduction of no-fault divorces, some solicitors still take advantage, says Desmond O'Donnell, a partner in the family team at the legal firm Thomson Snell & Passmore. 

"I say to my clients, you are more than capable of applying for a divorce without a solicitor - the court fee is £593. You get other solicitors who say 'let me do it for you' because they can charge the client for that and then costs go up to £600-800." Desmond O'Donnell

He says it is better to settle a separation outside court because taking a case to court "racks up costs".

"You get some solicitor firms who see it as a business rather than what is best for their client," he says. 

"If you settle a case quickly you don't make money, so they almost encourage their client to go to court."

He recommends looking at other avenues such as mediation, collaborative law, arbitration and the process of "one couple, one lawyer" to avoid being "at the mercy of the court".

Less lawyer routes

With mediation, through which a couple resolves issues with a mediator, "emails are not flying back and forth" between solicitors and matters can be resolved "within hours", Mr O'Donnell says.

Another way of handling a separation is arbitration - a private system in which spouses choose an arbitrator to hear their case in their chambers.

"It's having a judge who has the time to give your case the attention it needs and because it is much quicker, there is less correspondence so it is going to be cheaper," Mr O'Donnell says.

'Collaborative' lawyers

He also draws attention to collaborative law, which involves specially trained solicitors meeting for roundtable meetings for the benefit of the family.

"As there is more realism brought into it and we're not trying to bluff each other, very often we agree on things outside the traditional court system more quickly and cheaply than the traditional system," he says.

Sharing a solicitor?

Opting for "one couple, one lawyer", with the solicitor acting for both spouses, can cost £3,000 to £4,000 plus VAT - so "much cheaper", Mr O'Donnell says.

But this only works if the couple are on amicable terms.

Finances are not sorted with divorce

A common misconception is that divorce and finances are dealt with in the same processes - they are not, says Zoe Rose, senior associate at Hedges Law.

"I often say to clients you probably won't need a lawyer to help you with the divorce application because if you can do online shopping you can do the relevant online application with the court directly." Zoe Rose

But, she says, with discussions about finances and children people "should be spending some money getting some decent legal advice".

"You do the simple paperwork and come to me for the strategic stuff about what happens with assets and what happens with your children and what that looks like," she says.

How you communicate with your lawyer is key

How people communicate with lawyers is important in keeping costs down, according to Ms Rose.

"If you send your solicitor two emails and then automatically ring them, your solicitor won't have had time to look at your email and won't give you the nuanced advice you want," she says.

"Whereas if you send them a couple of emails and then book a slot later, what you will get back out will be much better."

Here are Ms Rose's other tips to keep fees down:  

• Only speak to your lawyer about legal advice as you are charged for the time you spend with them;
• Avoid asking the same questions more than once;
• Keep ongoing correspondence to a minimum and if you want to ask if an email has been received, your solicitor's assistant is the best person to answer this.

'Train wreck break-up prompted me to set up amicable divorce service'

In the course of writing this article, we came across Kate Daly, a relationship counsellor and the co-founder of Amicable. 

The company first offers a 15-minute free advice consultation and then follows this up by helping couples decide how to divide their money and property, or with arrangements for their children.

Once they have a financial agreement, this is drafted into a consent order and sent to court for a judge to review. 

It means no lawyers are needed and, the theory goes, results in an amicable divorce.

"I came up with the idea for this business off the back of my own awful train wreck divorce - it was really terrible," she says.

"It cost huge amounts of money and it created untold emotional damage, even now it still plays out in my family. A horrible divorce is like the gift that keeps on giving - it just stalks you through all life events.

"When I went through mine, I thought 'what have I done wrong to create this awful situation where we are both spending so much money and ended up in such a bad place?'"

Most couples could do a simple divorce - that is, one with no finances to sort out - themselves, she says, but it is "trickier" to do a consent order and "definitely worth getting legal advice at that point".

"We're on a mission to change the way society thinks about relationships ending and to get to a point where we can say love can end and that doesn't have to be a fight, and it doesn't have to be a failure," she says.

Here's a round up of the changes...

Child benefit

The amount people can earn before child benefit is reduced or taken away is increasing.

At the moment, people lose 1% of the benefit for every £100 they earn over £50,000. At £60,000, the benefit is cut completely.

From this month, the benefit won't be reduced until one parent earns more than £60,000. And it will only go completely at £80,000.

Benefits and tax credits that are linked to inflation will rise by 6.7% this month.

That was the level CPI in September.

For joint claimants over the age of 25, universal credit standard allowances will rise from £578.82 to £617.60 per month.

The state pension will rise by 8.5% this month.

The "new" state pension, for those reaching state pension age on or after 6 April 2016, will rise to £221.20 a week - up from £203.85.

The "basic" state pension, for those who took it out prior to April 2016, is rising to £169.50 a week.

Both groups may get more or less depending on individual circumstances. 

When do the changes tax effect?

Pensions will rise from Monday.

Housing benefit and council tax reduction rates changed at the start of this month.

Tax credits changes typically apply at the start of the new tax year - so today.

Means-tested benefits like universal credit, income support or pension credit are changed from Monday.

Four topics elicited the most consternation in our mailbox this week: pensioners being drawn into tax, the price of pints, banned adverts and Royal Mail cutbacks. 

On Tuesday we revealed that 650,000 extra pensioners will have to pay income tax for the first time following an inflation-linked 8.5% rise in the state pension which will take many with additional income over the (currently frozen) tax threshold of £12,570.

I have a service pension which I've been living off for 10 years and this month qualify for my state pension. Couldn't believe it when my service pension was nearly £200 less due to tax!! They give with one and take with another!! Brilliant!! I guess I should have expected it!! Ian, Fareham

Thanks to the tax bracket not being raised in line with inflation, I am now paying tax on my pension... Pointless the Tories keeping on about triple lock as I get an increase in one hand then take it out with the other. Mr c k

Others asked if the move meant pensioners were being effectively "taxed twice"...

Why should pensioners have to pay tax on personal/private pensions when they have already paid tax on it during their working lives. Surely the government is getting double payment of taxes? Sarah

This isn't quite right - as pension income is only taxed when it's withdrawn, ie when you retire. 

Making pension contributions during your working life is tax free within certain limits . 

Away from pensions, on Wednesday we reported that a Nationwide advert starring Dominic West would be banned following 282 complaints. 

The watchdog found it was misleading consumers into thinking the building society – unlike its rivals – would not be closing its branches.

Some of our readers have seen first-hand closures, in contrast to the advert's message...

Our Nationwide branch closed after they stated it would remain open for at least two years. Goldie30

Good! I am glad that the Nationwide adverts have been banned as they did, indeed, close last year the Blaby, Leicestershire branch of their bank. So the adverts always left a very bitter taste in the mouth. Well done ASA for calling Nationwide out on this. Alan Henry

Looking at the breakdown of the cost of a pint we posted on Thursday...

...we had an interesting question from Pete on non-alcoholic drinks...

Why do alcohol-free drinks cost so much in pubs and restaurants? Prices are often the same and yet tax is lower. Petethepilot

Although the same duty doesn't apply on alcohol-free drinks, they can be more expensive to manufacture.

Many breweries make their standard beer then "remove" the alcohol after - adding an extra step to an already expensive process, using the same ingredients and methods etc. 

Historically, it's also been brewed in much smaller quantities (naturally driving price up), although as its popularity continues to rise we may see that change. There's also development and marketing costs.

Another reader, John, said... 

Having just returned from a holiday in mainland Spain - I find myself asking why the cost of a large draft local beer (pint) - even in many restaurants - is only about €3. Which is the equivalent of about £2.56. Yet another example of rip-off Britain!!! JohnMette

On Wednesday, Royal Mail revealed it may slash  1,000 jobs as part of cutbacks including reducing second-class deliveries to three days a week, prompting comments like this...

So now we all pay for 1st class post and get 2nd class service.  Liyzlg

National insurance has been cut, for the second time this year, from 10% to 8% on employee earnings between £12,570 and £50,270 from today.

The change, announced by the chancellor in his March budget, impacts around 27 million payroll employees across the UK.

The cut is worth almost £250 to someone earning £25,000 a year and almost £750 for those earning £50,000

Use our tool below for a rough guide to what tax changes can be expected for most people, as there are other variables not included which might affect how much tax you pay including being in receipt of the blind person's allowance or the marriage allowance. It also assumes you are not self-employed and are under pension age...

There are also national insurance cuts for the self-employed. This includes the scrapping of Class 2 contributions, as well as a reduction of the rate of Class 4 contributions from 9% to 6% for the £12,570 to £50,270 earnings bracket.

These will impact nearly two million self-employed people, according to the Treasury.

While many campaigners welcomed the national insurance announcement last month, they pointed out that the tax burden remains at record high levels for Britons - thanks in part to the threshold at which people start paying income tax being frozen, rather than rising with inflation.

Big Issue founder Lord Bird says the government has "lost the plot" over proposed legislation which critics say criminalises homelessness .

He called the Criminal Justice Bill a "waste of time" that fails to stop people living and dying on the streets of the UK.

The bill contains provisions to allow police to forcibly move on "nuisance" rough sleepers, with criteria including creating "excessive smell" or "looking like they are intending to sleep on the streets".

"How the hell are you going to enforce this?" Lord Bird said on Sky News.

"You're going to get the old bill [police] or the local security going out their sniffing people? This is just a waste of time."

Lord Bird said it was "human rights abuse to let people live and die on our streets".

"When it's moved onto criminal justice issues, then you've lost the plot."

British Savings Bonds , which were announced in the budget, have gone on sale .

The bonds, issued by the Treasury-backed NS&I, offer a fixed rate for three years - and the rate has been revealed at 4.15%.

This has left experts feeling a little underwhelmed.

Savings Champion  founder Anna Bowes gave us her view: "In essence, this is simply a re-issuance of the NS&I three-year Guaranteed Income and Guaranteed Growth bonds, rather than anything new or British.

"As was reported just after the budget and as is often the case with NS&I products, while the interest rate is not rock bottom it’s mid-table, so is likely to still be utilised, especially for those rolling over old bonds, and those with more than the FSCS limit of £85,000, because of course all cash held with NS&I is guaranteed by HM Treasury.

"NS&I is a trusted institution so will always be popular, but savers can earn quite a lot more if they shop a

Trade groups have warned of higher food prices and empty supermarket shelves because of new post-Brexit border fees being introduced this month.

A maximum charge of £145 will apply on imports of plant and animal products, such as cheese and fish, entering the UK through the Port of Dover and Eurotunnel from 30 April.

The fees are intended to cover the cost of operating new border control posts required after Brexit, and will not apply to goods brought into the UK for personal use, the government said.

But importers warned the new charges could lead to higher prices for consumers.

Read more here ...

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money.

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

Senior doctors in England have voted to accept an improved government pay deal, bringing to an end the year-long dispute which had led to strike action.

The British Medical Association (BMA), a trade union which has been representing the consultants, put the offer on pay and conditions to its members, with 83% voting in favour.

The pay deal includes changes to the review body on doctors' and dentists' remuneration (DDRB) and a 2.85% (£3,000) uplift for those who have been senior doctors for four to seven years, said the BMA.

The offer is in addition to the 6% awarded during the DDRB process last summer.

You can read more here ...

Administrators to The Body Shop are drawing up plans to salvage a future for one of Britain’s best-known high street brands.

Insolvency practitioners at FRP Advisory have outlined proposals to launch a company voluntary arrangement (CVA) that would see The Body Shop entering talks with landlords about rent cuts, as well as other creditors, Sky News has learnt.

According to proposals sent to The Body Shop's creditors on Friday morning, which lay bare the depths of the financial problems inherited by the investor which bought the company less than four months ago, a CVA would "allow the company to be rescued and exit from administration".

This would see it continuing to trade under the ownership of Aurelius, the investment firm which took control of it at the start of the year.

Read more in our City editor Mark Kleinman's  full story .

The crisis enveloping Thames Water has deepened after its holding company announced it had been unable to meet a debt repayment.

Kemble Water said it missed an interest payment that was due on Tuesday.

The firm said it had asked its lenders to take no immediate action so as to "provide a stable platform while all options are explored".

The announcement paves the way for a potential restructuring of Thames Water, which serves nearly a quarter of Britain's population.

You can read more about that here .

The UK's largest specialist wine retailer, Majestic, has completed a rescue deal to buy Vagabond from administration.

On Friday, Majestic confirmed it had completed the acquisition of the wine bar chain, which will secure the future of nine Vagabond venues and 171 workers.

The bar firm's "underperforming" site in Canary Wharf has not been bought and will be closed.

Vagabond's two sites at Gatwick Airport are also not included in the deal.

The average UK house price fell by approximately £2,900 month on month in March, according to Halifax.

The typical property value fell by 1%, having risen 0.3% in February.

Average property prices landed at £288,430, said Kim Kinnaird, director of Halifax Mortgages.

"That a monthly fall should occur following five consecutive months of growth is not entirely unexpected, particularly in view of the reset the market has been going through since interest rates began to rise sharply in 2022.

"Despite this, house prices have shown surprising resilience in the face of significantly higher borrowing costs."

Prices remain almost £50,000 above pre-pandemic levels, she added.

Nicky Stevenson, managing director at estate agent group Fine & Country, said: "An increasingly busy property market helped to prop up prices on an annual basis at the beginning of spring, but the monthly fall shows there is still some turbulence."

Once an interest rate cut appears on the horizon, demand should "push UK prices 3% higher this year", said Tom Bill, head of UK residential research at estate agent Knight Frank.

British billionaire Joe Lewis has avoided a jail sentence after admitting he orchestrated an insider trading scheme that helped those around him make millions.

The former Tottenham Hotspur owner, who lives in the Bahamas, tipped off his girlfriend, friends, and two of his private pilots with inside information on four publicly-traded companies, which they used to get rich, prosecutors in New York said.

In January, he pleaded guilty to one count of conspiracy to commit securities fraud and two counts of securities fraud, admitting in court he had known he was breaking the law.

Read more here...

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