All the latest insight and commentary from James Daley and the Fairer Finance team.

Blog

Fair Value and fees for ready-made investment accounts

23 February 2022

Fair Value and fees for ready-made investment accounts

Harry Ashton

Investment account fees are falling on average, but new regulation could mean that more change is on the way.

Blog

Balance transfer credit cards and the FCA Consumer Duty

23 February 2022

Balance transfer credit cards and the FCA Consumer Duty

Oliver Crawford

The FCA's new Consumer Duty should draw attention to the workings of the balance transfer credit card market, and may force providers to be clearer in their communication with customers.

Blog

Are ‘insurtech’ startups making pet insurance fairer?

23 February 2022

Are ‘insurtech’ startups making pet insurance fairer?

Gábor Csontos

To compete with insurance giants, smaller pet insurers look at tech and data solutions to turn profits in new ways. They often claim to provide fairer value, too. What do our ratings show?

Blog

Supporting vulnerable customers in the over-50s life insurance market

23 February 2022

Supporting vulnerable customers in the over-50s life insurance market

Robert Sheargold

The FCA's new Consumer Duty should focus the minds of over-50s insurers on how best to design their products to meet the needs of vulnerable customers.

Blog

How to prepare for the Consumer Duty

8 February 2022

How to prepare for the Consumer Duty

James Daley

The Consumer Duty has been billed by the FCA as a seismic change in the way they regulate. If you're not already discussing your response, why not?

Blog

What the FCA's Consumer Duty means

7 December 2021

What the FCA's Consumer Duty means

James Daley

The FCA has confirmed plans to launch a new Consumer Duty - forcing firms to deliver good outcomes for their customers. Here's what it means for financial services firms, and how to prove you're meeting the new requirements

Blog

Shared bank branches unlikely to be the answer to most community's cash needs

8 October 2021

Shared bank branches unlikely to be the answer to most community's cash needs

James Daley

The recent Community Access to Cash pilots have showed the potential of shared bank branches. But they are expensive, and are unlikely to appear on most UK high streets, in spite of their popularity

Blog

Time to put the brakes on personalised insurance pricing

1 October 2021

Time to put the brakes on personalised insurance pricing

James Daley

A new report lays bare the problem of the "poverty premium" in insurance - and points to similar penalties for minorities across the sector. It's time for some boundaries to be drawn in how insurers calculate prices

Blog

Banning commission is a step too far

13 July 2021

Banning commission is a step too far

James Daley

The FCA's decision to ban commission in the funeral plan market will reduce competition and hand an advantage to inferior over 50s plans.

Blog

Helping insurers evidence fair value

6 July 2021

Helping insurers evidence fair value

James Daley

Insurers will soon need to evidence that they are offering fair value every year. We've created a framework to help firms ensure it's more than just a box-ticking exercise.