Research reports

Insurance pricing is complex and opaque - and is often most expensive for those on the lowest incomes. This report looks to understand how modern general insurance pricing works, and what the public thinks about the fairness of using certain risk factors - such as credit score and occupation. The report ends with policy recommendations to create a fairer market.

Based on pensions and savings alone, many future retirees are heading for relatively low living standards. Yet, many people hold housing wealth that could help fund their retirement. In our report, we quantify the extent to which housing wealth could support later life living standards, and explores what policymakers should do to help people make the most of their housing wealth.

There's ever more choice available to consumers looking to borrow money. But a mix of regulations, which date back as far as the 1970s, have created a confusing layer of information for people to wade through. This report explores how well the current regulations are working and makes the case for change.

Our report highlights the difficulty with closing accounts when a loved one passes away, and calls on the government and service regulators to intervene.

Our report looks to understand what factors determine customer satisfaction amongst UK bank account customers, and why switching levels remain low.

The vast majority of gift cards still have expiry dates. And there's no protection for consumers if a company goes bust and you're left holding one of their cards.

After a review into the savings market, the FCA suggested the introduction of a Basic Savings Rate. But is this really the answer? Our report considers the impact this might have and suggests alternative approaches to address problems in the market.

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Our research report reveals a mismatch between what customers expect from insurance and what it delivers.

This report investigates the prepaid funeral plan market, revealing misleading sales practices, lack of consumers understanding and lack of regulation. An additional lack of transparency results in an urgent need of regulation to prevent a Farepak-style scandal occurring.