MSE’s Money Tips Savers fix (4.5%) now?, Amazon £5 off, register wills for FREE, cheap travel insurance, iPhone 16 £3

There's a whiff of summer in the air. We're not there yet, but peak holiday season is approaching. And if you've booked to go abroad, the most important thing to do first is to sort out travel insurance. So we're focusing on that this week and other summer travel prep tips next. And when it comes to travel cover, Martin's rule is simple: get it...

ASAB
As Soon As you Book

If you've booked & not done it yet, DO IT NOW. Half of what you pay for is protection in case illness or other issues before you travel mean you can't go - though insurance must already be in place for that (see what counts as having insurance in place). However, around one in five of those who have booked DON'T have insurance yet (from 42,000 votes in Martin's social media polls on Monday) - a dangerous risk. As Bev posted on X in reply to the poll...

"My parents made the mistake of waiting until closer to the date and mum got diagnosed with cancer and had no choice but to cancel as she needed life-saving surgery. They only got 10% back. An expensive mistake."

Our full guides on Cheap travel insurance | Over-65s' travel cover | Pre-existing medical conditions travel cover go through it in detail, but let's zip through the basics here for speed...

Cheapest travel insurance policies (for all ages)
Here are the cheapest bog-standard, no-frills, Financial Conduct Authority-regulated options that we can find meeting our minimum cover levels, judged purely on price, NOT feedback - for those not too fussed about extras or add-ons, and who just see it as a backstop. Want a higher-end policy? If you want stronger cover and feedback, to cover airline failure, natural disasters etc, go straight to our Travel Insurance Finder tool, which includes these costlier options.
Cheapest annual policies
If you'll go abroad at least twice a year, even just for weekends, annual cover usually works out cheapest. It covers virtually all trips away, though often has a duration limit of a max 30 days per trip (many let you pay more to extend this). The exact price depends on age & circumstances, so we give the four cheapest options - check at least a couple. For those under age 66 From £9 for individuals in Europe and starting at £93 for a family worldwide (where all of the party are aged under 66). Check Coverwise (Bronze), Admiral (use discount code MSE15), Leisure Guard Flexi (Bronze) and Urban Jungle (Basic). Full info: Cheap travel insurance. For over-65s Costs rocket with age, so we've put a lot of work into our Over-65s' travel insurance guide. Yet briefly, annual prices are from £35 if you're aged 66, and £113 if you're aged 76. Check Admiral (use discount code MSE15), Urban Jungle (Basic), Saga (Standard) and Leisure Guard Flexi (Bronze). Couples' policies are available too; family policies are trickier, unless you've a child at home under 18 (or in full-time education).
Cheapest single-trip policies
For those who just want to cover one trip (or may need specialist cover for it), enter the dates you're travelling even if months ahead and you'll be covered for cancellation from the moment you pay. For those under age 66 For a week, from £7 for individuals in Europe, or from £63 for a family worldwide. Check *Coverwise (Bronze), Leisure Guard Flexi (Bronze), CoverForYou (Silver)* and** Urban Jungle (Basic). For over-65s* Again, it's best to go to our Over-65s' travel insurance guide, as it's age dependent, but it can be from £26/wk for an individual in Europe (£66 worldwide). Check A to Z Insurance (Essential), Admiral* (use discount code MSE15), Leisure Guard Flexi (Bronze) and Coverwise (Bronze)*.
Pre-existing medical conditions
If you currently have or have had a physical or mental health condition, you will usually need to declare it to the travel insurer. In some cases it changes nothing, in others it may hugely increase costs, or the provider may simply refuse to cover you (either entirely or for the specific condition). As there are many variables, we can't summarise easily, so jump straight to our Top pre-existing medical conditions travel insurance guide for step-by-step help. It can take a little elbow grease, but hopefully it'll help, as it did for Donald, who emailed us earlier this year: "Thank you Martin. Just saved £258 on travel insurance for a pre-existing medical issue. Went from £595 to £337. Keep up the great advice." PS: Martin's Money & Mental Health Policy Institute charity is campaigning for fair travel insurance prices for those with mental health issues and has the bit between its teeth on it.

What counts as having travel insurance in place? On the back of our ASAB tip, many people ask about what counts as having insurance in place. So put simply...

- Single-trip policies: You pay for insurance to cover a specific trip away (eg, 10 to 17 August), and once you've paid for that insurance, the cover is in place, so if something happens before then to stop you going away, you should be covered.

- Annual policies: If you don't have any other cover, you need the start date to be the time you book the holiday (or as soon after as possible) - NOT the date you're going on holiday. Otherwise, if something happens before the holiday start date, you won't be covered.

If you've already got annual cover but your holiday is after the cover ends, get another policy to start as soon as it finishes. (Most policies, including all the ones we list, will cover you if something happens to a booked holiday which is after your renewal date, as long as you renew or take out a new policy so, crucially, there's no break in cover. But a few insurers don't, so check.)
Holidaying in Europe? Ensure you've an in-date Global Health Insurance Card (GHIC) or its EHIC predecessor - if not, apply for a free GHIC. This entitles you to treatment at state-run hospitals or GPs at the same cost as a local (so if it's free for them, it's free for you). See it as an addition to, not a substitute for, travel insurance.
Can you save large with a packaged bank account? You pay a monthly fee to these bank accounts in return for a host of included insurance extras. Good quality travel insurance is a key offering, as are mobile phone and breakdown cover. If you're paying for all of these anyway, this can save you £100s.

There are full details in our Top packaged bank accounts guide, but briefly here are the top picks (all of which include world family cover)...

- Co-op Bank: £15/mth (£18/mth from July), though currently it pays switchers a FREE £175. Max travel insurance age: 79. Other insurance: Mobile phone cover and UK & European breakdown cover for account-holders.
- Virgin Money: £12.50/mth. Max travel insurance age: 74. Other insurance: Family mobile phone cover and UK & European breakdown cover for account-holders.
- Nationwide: £18/mth. Max travel insurance age: No limit. Other insurance: Family mobile phone cover and UK & European breakdown cover for account-holders.
- Halifax: £19/mth. Max travel insurance age: 70. Other insurance: Mobile phone cover for account-holders, plus family UK roadside breakdown cover.

Jackie, whose dad is 90, emailed us in March: "My dad was quoted around £600 for European single-trip cover and almost £1,000 for annual multi-trip. After contacting loads of companies, he phoned his bank, Nationwide, who said if he upgraded his account to the packaged account (£216 a year), they would cover him on an annual multi-trip basis for £100 extra."
What if my travel insurer unfairly turns my claim down? Knowing how firms will respond to claims is tough. You can always formally complain to the insurer and, if rejected, go to the free Financial Ombudsman, which can adjudicate.

It worked for Susan, who emailed to tell us: "I took Martin's advice about pursuing a travel insurance claim when the insurance company refused it. The ombudsman found my claim was treated unfairly (cancellation of holiday due to cancer diagnosis) and they have been instructed to pay in full, plus £100 compensation."

DON'T believe the fake 'Martin Lewis' or 'MSE' ads
Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

Martin: 'SAVERS... the Bank of England has cut UK base rates yet again, with further cuts predicted, so it may be time to fix your savings to lock in today's 4.5% rates!'

Last week, the Bank of England cut the UK base rate from 4.5% to 4.25%, and this could be a tipping point for savers. Over the last year the top easy-access (variable) savings rates... where you can put money in and take it out when you like... have whooped the pants off the top fixed savings... where you lock your money away in return for a set interest rate. While it's partially been caused by a price-war among challenger banks (likely to soften now as ISA season ends), much is due to differences in how rates are set.

Line graph titled "Top savings since January 2024". It shows how top one-year fixed and easy-access savings rates have changed relative to the Bank of England base rate from January 2024 to May 2025. Both fixes and easy-access rates have largely decreased in line with the base rate during this time. While fixes have more closely tracked the base rate, top easy-access rates have often remained slightly above, with sharp drops in late 2024 followed by more gradual declines in the first half of 2025. Link takes you to our Top savings accounts guide.

Fixed rates are set based on long-term views of interest rates. The rate new fixes are offered at tends to move, in simple terms, with the market's long-term view of interest rates, not current UK base rates (as variable savings do). So, fixes are currently lower partly as UK rates are predicted to drop further - we spoke to four City analysts, who all expect rates to be 3.25% or 3.5% at the end of 2025, and one even says they'll go as low as 2.75% in the first half of 2026.

That means the current top fixed rates are higher than where the UK base rate is predicted to go. If those predictions do come true, today's 4.5% fixes may rapidly end up paying more than top future easy-access rates (plus they give the boon of certainty). So if you're concerned, the safest option, based on the mood music, is to lock in a rate by putting some savings in fixes... that's not me saying it'll definitely be a win, just that it's a strong risk-averse option.
The highest rates are easy access (variable) - but these are likely to drop. Before we get on to fixes, for benchmarking let's speedily do top easy-access rates. There have been no announcements yet as to whether they'll be cut on the back of the UK rate cut, but if they follow past trends many will likely drop c. 0.25% points. All %s are AERs.

- Normal Savings: App-only Sidekick* is 4.76% (min £5k), but has a slightly complex structure. Top online account is Chetwood 4.52%. Of bigger names, Marcus (owned by Goldman Sachs)* is 4.3% and Yorkshire BS* is 4.1% (min £1). Cahoot (owned by Santander) at 4.41% (min £1) pays more, though it only lasts a year, then matures and is moved to a likely low interest rate account. Rates do change so check our full, updated top savings rundown.

- Tax-Free Cash ISAs: Cash ISAs are just savings accounts you can put up to £20,000 per tax year in and the interest is never taxed. If it's likely you'll pay tax on some savings interest now or in future (see how savings are taxed), they're well worth using. As Trading 212* at 4.83% beats top normal savings, it's worth considering even if tax isn't an issue. Of bigger names, there's Marcus (owned by Goldman Sachs)* at 4.3%. See full, updated top easy-access cash ISAs for more, including accounts with very short-term bonuses, which I've ignored here.

A fix lets you lock in a rate to protect from possible future rate cuts. Here you lock your money away, without access (except fixed cash ISAs) in return for a guaranteed rate of interest. Even if you're unsure, you could open one now without funding it (most give you two weeks to put money in) then watch what happens to other rates to see whether it's worth it. If you then decide it isn't right for you, just don't put the money in.

Top fixed-rate savings (AERs)
TERM	Top fixed savings Money can't be withdrawn	Top fixed cash ISAs Withdrawals allowed but interest penalties
1yr	Conister 4.52% min £5k \| Cynergy 4.5% min £1k Big names: Virgin 4.31% min £1 \| NS&I 4.05% min £500	Santander 4.25% min £500 \| Vida 4.25% min £100 Big name: Virgin Money 4.1% min £1
2yr	GB 4.43% min £1k \| Secure Trust 4.42% min £1k Big name: NS&I 4% min £500	Cynergy 4.17% min £500 \| Castle Trust 4.17% min £1k Big name: Santander 4.1% min £500
3yr	Secure Trust 4.42% min £1k \| Birmingham 4.41% min £5k Big name: NS&I 4.1% min £500	Ford 4.2% min £500 \| Secure Trust 4.16% min £1k Big name: Leeds BS 3.8% min £100
5yr	Secure Trust 4.42% min £1k \| Birmingham 4.41% min £5k Big name: NS&I 4.06% min £500	Secure Trust 4.16% min £1k \| Castle Trust 4.15% min £1k Big name: Skipton BS 3.9% min £500

As for how long to fix, well the first consideration is how long you can comfortably lock that money away. After that, it's about how much you value certainty - the more, the longer you should fix. In recent times, we'd seen longer fixes paying far less than shorter - now it's balanced out (likely indicating that the market thinks things will drop, then stabilise), which means fixing longer looks a better deal. But of course, no one knows how it'll look with hindsight.

Is it better to fix in normal savings or a cash ISA? Normal fixed savings pay more, so as long as you don't/won't pay tax on savings interest, they win. Yet if you will or may in future earn over your Personal Savings Allowance of £1,000/yr interest for basic 20% rate taxpayers and £500 for higher 40% rate taxpayers, then fill up your cash ISAs as the interest is tax-free, which means, overall, you'll get more.

Plus while normal fixed savings lock your money away, cash ISAs can't do that. They must allow you to access your cash, but they can charge an interest penalty of 90 to 365 days' worth of interest if you do. So if there is even a small chance you might need to dip in, a fixed cash ISA can be a handy get-out-of-jail-free card.
CAN YOU BOOST INTEREST FURTHER? Some specialised options in our savings section pay even more...

- 50% bonus for many on Universal Credit or Tax Credits. See Help to Save.
- 25% bonus for first-time buyers aged 18 to 39. See Top Lifetime ISAs.
- Earn up to 7.5% if you can save monthly. See Regular savings.
- Prefer to invest? Higher returns, but more risk. See Stocks & shares ISAs.

Got a will? Register it for FREE throughout May. Your will should be stored securely (such as at a solicitors' firm, or safely at home) so it can be tracked down easily. As an extra precaution, commercial firm the National Will Register is used by 10+ million to log details about where wills are kept, to help loved ones find them when needed. Registering normally costs £30, but you can register it for free during May. Be aware that searching the register costs from £65, so see this only as a backup - better to store it safely and ensure the relevant people know. Related: Free & cheap wills.

Amazon 1-click check to see whether you get £5 off £15. Quickly see whether you can get 'free' Amazon credits.

150Mb Sky broadband '£21/mth'. Switchers in 60% of UK homes can get this 150Mb Sky broadband & digital line deal for £24/mth. Plus, you'll be emailed a choice of an £80 prepaid Mastercard or shopping voucher within 4mths of your first bill (do check your junk folder if not received). Factor that in as a discount and it's equivalent to £20.67/mth over the 2yr contract. Want other options? Use our full broadband comparison.

Martin: 'How millions can get a 50% boost on their savings.' It's called Help to Save, and now 550,000 more people are eligible for it (on Universal Credit, in work and earn £1+). See Martin's new Help to Save video briefing.

New longest 0% balance transfer gives all accepted 33mths 0% (3.45% fee). A 0% balance transfer's where you get a new card that pays off old cards for you, so you owe it instead, but interest-free for a set period. And a reminder that last week the new Barclaycard 33mth 0% (3.45% fee) became the longest, meaning debt shifted to it is interest-free until Feb 2028 - and crucially all accepted get the full 0% length. Golden rules: Repay at least the monthly minimum & clear the card before the 0% ends, or it jumps to 24.9% rep APR interest. Full help in top balance transfers.

NHS, care or emergency worker? New discounts include 20% off Wagamama, 40% off Kurt Geiger, free 7 days' Nuffield Health. Plus all the usuals - see our updated 30+ NHS deals. Related: Teacher discounts.

Ending. 5 Vue tickets £22. Plus £4 Cineworld 4DX family films this weekend. See 31 cinema savers.

New. Cheap iPhone 16 '£31/mth'. Newbies to iD Mobile (uses Three's signal) can get an iPhone 16 (128GB) on a 24mth contract, with 10GB/mth data, via Carphone Warehouse. It's £19 upfront, then £29.99/mth (increasing to £31.49/mth from April '26 and £32.99/mth from April '27). Plus, you'll be emailed a £15 Amazon voucher within four months (do check your junk folder if not received), which factored in takes it to £748 in total, equivalent to £31/mth. Buying just the handset from Apple is £799, so this is a strong deal. The retailer is responsible for the handset, iD Mobile for the contract. Want more options? Use our Cheap Mobile Finder.

New Martin Pod. What savers & mortgage-holders need to do now, including... fix your mortgage now or wait? What property lenders hate! Why locking in savings can be a winner. Martin reacts as the Bank of England cuts interest rates, and answers your questions on the impact on savings and mortgages (alongside a mortgage broker). Plus lots more, all in the new The Martin Lewis Podcast. Listen via BBC Sounds | Apple | Spotify or wherever you get your Martin fix.

BLAGGED FOR MSE

- 15% off Admiral travel insurance On policies bought before 1 Jan

DID YOU MISS?

- Martin: 'How to call your bank with just three numbers'
- Two FREE £175 bank switch deals
- How to earn a Blue Peter badge for free entry to attractions
- English prescription costs frozen - but many can pay less
- Rush hair salon 35% off code

FREE £165 at Amazon or Sainsbury's or M&S PLUS £10/mth Deliveroo cashback PLUS 4 airport lounge passes
Ending. Triple reward credit card: how to do it at max gain, no cost...

There's an Amex card targeted squarely at higher-spending middle Britain, with rewards at Amazon, M&S, Deliveroo & airports. Yet if it suits, play your card right and it's an easy way to grab extremely lucrative freebies...

Free £165 shopping + Deliveroo cashback + airport lounge passes. The American Express Preferred Rewards Gold credit card (link goes via our 'eligibility & apply' calc so you can see whether you'll be accepted) has temporarily increased the points you get for signing up, making it a powerful deal for some. This is only available for those who haven't had an Amex card within the last two years...

Only do this if you'll always pay the card off IN FULL each month, preferably by Direct Debit (so you don't miss it), so it's interest-free. Otherwise the 87.3% rep APR interest dwarfs the rewards.

33,000 American Express points are equal to £165 to spend at Amazon, M&S, Currys or Sainsbury's, with these companies' logos being shown. 33,000 Amex points are also equal to 33,000 air miles with Avios, Virgin Atlantic Flying Club or Etihad Guest. The logos of these companies are also shown. The link takes you to our write-up of the American Express Preferred Rewards Gold card in our guide to credit card rewards.

1) Bonus points worth £165 at Amazon, M&S or Sainsbury's if you spend £3,000 within 3mths. Open the card before 27 May and spend a total of £3,000+ over the first three months (so about £1,000 a month of family spending) and you can currently get 30,000 bonus points (normally it's 20,000) on top of the standard one point per one pound spent. So hit the trigger and you'll have at least 33,000 points, enough to be exchanged for...

- £165 in Amazon, M&S or Currys vouchers, or Sainsbury's Nectar points
- Or 33,000 air miles with Avios, Virgin, Etihad and other airlines
- Or 49,500+ Hilton, Marriott or Radisson hotel points

2) Plus two £5 Deliveroo cashbacks a month (worth up to £120/yr). Save this offer to your card (found under 'offers' in the Amex app or online banking) and use the card to pay for Deliveroo (min spend £5), and you'll automatically get £5 credit on two orders a month.

3) Plus four free airport lounge passes a year (worth around £50 each). These should come within six weeks of acceptance, and you can use them in many airport lounges worldwide.

Alert. The card is fee-free in year one, but £195/yr after. While the Deliveroo and airport lounge pass rewards renew each year, remember to cancel before year two if you don't want to pay the £195.
When we say pay off IN FULL, we mean IN FULL, not nearly in full. The words IN FULL are Martin's catchphrase for a reason. If you spend £1,000 in a month and clear the card entirely, there's no interest. Spend £1,000 and pay off £999.99, and you usually pay interest on the whole £1,000, not just the 1p left.

'I got an unbelievable £675 refund from a "click to claim cashback" scheme.' Our success of the week comes from Ray, one of far too many MoneySavers caught out by 'click to claim' cashback service Complete Savings: "Thank you for your article on Complete Savings and the ban on its 'click to claim' ads. It gave me the confidence to know that I was not alone. After reading, I rang Complete Savings outlining my lack of explicit consent to the monthly payments contract. The agent reviewed my usage of the scheme and agreed (to my shock) that they would refund me £675. Good result and I am so glad I persisted." If we've helped you save or reclaim (on this or owt else), send us your successes.

Important. English and heading to uni in Sept? Apply for student loan by this Fri (16 May). Meet the deadline to make sure you get your student loan funding for the start of term. If you're a returning student, the deadline's 20 Jun. See English student loans (plus deadlines in N. Ireland | Scotland | Wales).

Free Mental Health & Debt booklet 2025. It's Mental Health Awareness Week, so a good time to remind you of our 44-page Mental Health & Debt PDF guide, which has helped so many. Please share with anyone you think may benefit.

Get a £50 to £300 John Lewis gift card if buying big-ticket electrical item, eg, cooker, TV. While it's often not the cheapest store, currently it has over 400 items ranging from £129+ where it's giving gift cards. Factor that in if you've a planned, necessary purchase to make now, and it may be cheapest. See full John Lewis gift card info.

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AT A GLANCE BEST BUYS

New. Longest 0%: Barclaycard (check eligibility) 33mths 0%, 3.45% fee, 24.9% rep APR interest
No-fee 0%: Barclaycard (check eligibility) up to 14mths 0%, 24.9% rep APR interest

Free £175 + TOP service: First Direct 1st Account
Free £150 + £36/yr cashback: NatWest Reward

Fibre (55Mb+): Sky '19.92/mth'
Fast fibre (100Mb+): Sky '£20.67/mth'

Car: Use our Compare+ Car Insurance tool

Home: Try our new Compare+ Home Insurance tool

£5,000 to £7,499: People's Choice (check eligibility), 7% rep APR interest (6.5% rep APR interest on £7,000 to £7,499)
£7,500 to £25,000: People's Choice (check eligibility), 5.8% rep APR interest

Top easy-access cash ISA: Trading 212 4.83%, min £1
Top easy-access savings: Sidekick 4.76%, min £5,000
Top one-year fix: Conister 4.52%, min £5,000

Use our whole-of-market Cheap Energy Club

Up to 3GB data: Lebara, '£2.57/mth' for 3GB
4GB to 9GB data: Lebara, '£2.63/mth' for 5GB
10GB to 30GB data: Lebara, '£2.70/mth' for 10GB
31GB+ data: iD Mobile, '£4.84/mth' for 108GB

THIS WEEK'S POLL

Do you have credit on your energy account? If you pay for your energy bills by monthly Direct Debit, your provider could be sitting on hundreds of pounds of your money. Now's a good time to check and ask for it back - you should have minimum credit at this time of year. So, we want to know whether you're in credit on your energy account.Please vote in this week's poll.

MSE NEWS

- Top story: Origin broadband customer? You'll soon be moved to Utility Warehouse

MONEY MORAL DILEMMA

Should my neighbour pay half the cost of replacing the saw they often borrow? I've a small circular saw which I use to cut up pallets into kindling, saving myself a small fortune on buying ready-cut bags. My neighbour often asks to borrow my saw to do the same and uses it as much as I do, if not more. Now the saw needs replacing. With my neighbour using it so much, it doesn't take Martin to work out I only got 50% of the use out of it. Should I explain this to my neighbour and ask them to pay half the cost of a new one? Enter the Money Moral Maze: Should my neighbour go halves on my new saw? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

MSE TEAM BLOG

- MSE Forum highlights: Lawnmowers, leather & living in a bungalow

MARTIN'S APPEARANCES (TUE 13 MAY ONWARDS)

Wed 14 May - Co-presenting Good Morning Britain, ITV1, 6am
Thu 15 May - Ask Martin Lewis, BBC Radio 5 Live, noon (listen to previous podcasts)
Tue 20 May - This Morning, phone-in, ITV1, 10.20am
Tue 20 May - The Martin Lewis Money Show Live - Summer Special, ITV1, 8pm

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MSE’s Money Tips Savers fix (4.5%) now?, Amazon £5 off, register wills for FREE, cheap travel insurance, iPhone 16 £3

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