Newsletter

Jersey Consumer Council

Author: Consumer Council

June 2017 Edtn 83 JCC Newsletter

June 5, 2017 Newsletters No Comments

Local charity launches ‘Healthy Eating Week’ and encourages islanders to eat well and eat together

The first ever Caring Cooks of Jersey Healthy Eating Week takes place from Monday 12th June through to Saturday 17th June. The local charity which aims make nutritious and tasty food part of daily life is encouraging us all to think about how we can eat well and eat together, even when short on time and on a tight budget.

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Digital Assets

April 20, 2017 Home life No Comments

Digital Assets … Spare them a thought

Digital assets should be viewed as a form of property. They can be transferred or bequeathed to those who you wish to receive them by way of a will.

What you will need to consider

Unlike physical property, digital assets are intangible and invisible. The rights of ownership, control and access of digital assets are intertwined with complexities of privacy and security protection as laid out in various service provider policies. It is therefore a good idea to check these before you consider leaving digital assets in your will. Your digital legacy should be divided into ‘digital assets’ and your ‘digital presence’.

Digital assets

will include your music, film and book collections that that you have bought and downloaded online as well as any online bank accounts or investments that you may hold.

Digital presence

includes any social media accounts, e-mail or personal websites which make up your online footprint. In the case of digital presence, many people want to be able to shut down the online accounts of loved ones after their death but may struggle to do so because of the terms of the account’s policy.

Planning ahead

It would be extremely useful for your Executor if you could leave a list of your digital assets, details of your digital presence and a list of all of your online shopping accounts with your will or with a loved one. You will then have dealt with your digital legacy as carefully as you have dealt with your tangible assets.


Funeral costs comparison

March 28, 2017 Money Matters No Comments

Funeral costs comparison


Death should not be a topic which we all avoid discussing – it is best to talk about death regardless of your age; remember it is a fact of life and your funeral service shouldn’t leave your family in debt.

We would recommend that you visit each of the Funeral Directors in Jersey to view their premises
and meet the staff who would be caring for your family. Each business offers bespoke personalised services and your relationship with the Funeral Director is really important throughout the planning and service stages.

“Understandable lack of shopping around by consumers at their lowest ebb, and an industry where costs can be opaque; the reality is a huge range in pricing, which could potentially save consumers hundreds of pounds”

Simon Cox, Consumer Protection Proposition Lead, Royal London Group1 SunLife’s annual 2016 report titled ‘The Cost of Dying’ is the fastest rising of any fixed cost in the UK – rising much faster than living costs, such as rent, food, utilities, insurance or clothing: ‘the funeral – which makes up 44% of the cost of dying – has soared by 5.5% in a single year. The average funeral in the UK now costs £3,897 which is more than double what it was when SunLife first started tracking funeral prices in 2004’.

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Mar 2017 Edtn 82 JCC Newsletter

March 12, 2017 Newsletters No Comments
ersey Consumer Council Newsletter March 2017

Top Tips for employing builders or tradesmen…

Having building, general maintenance or home improvement work done can be difficult and stressful. It is important that you develop a positive and honest relationship with those undertaking work for you; the tips listed below will help you achieve that. Do not be afraid to ask lots of questions, do your research and know exactly.

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Christmas Planner

November 29, 2016 Christmas Top Tips, Top tips No Comments

Christmas Time

Do you feel under pressure and tempted to spend money that you cannot afford at Christmas? To help you stay within your budget, the Consumer Council has put together a food and present planner.

If you use this or any planner, you are less likely to exceed your budget, and your money should go further.

Can’t print it? We can pop a copy in the post to you. Please call on 611161 or email us at jcc@jerseyconsumercouncil.org.je

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DEC 2016 EDTN 81

November 24, 2016 Newsletters No Comments

Yuletide Puddings & PriceWatch

we taste tested 4 budget and 4 slightly more luxurious Christmas Puddings from our local supermarkets – Now it is your turn to see if you agree with our testers!

Heading out for a festive meal? Can a Service Charge be added to your drinks bill? Equip yourself with the knowledge to fully understand service charges.

We have joined forces with Trading Standards to list out Ten Tips to help survive Christmas

The Channel Island Financial Ombudsman has been in operation for a year now and the latest results show just what you have been complaining about and whether they can help or not.

Fancy joining us for one of our #free lunchtime seminars? The next topics include Financial Mis-Selling, Long Term Care, Curatorships, Consumer Protection, SCAMS and more….

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SEP 2016 EDTN 80

September 26, 2016 Newsletters No Comments

Islands Pricewatch, Insurance Tax and 16 lunchtime talks to choose from…

Islands Pricewatch

We collected 103 prices across 9 items. Jersey was the most expensive for 8 out of the 9 items; and also cheapest for 5 out of the 9 items (notably three of these were at Rosedale Stores Gorey; whilst limited stocks last).

Insurance Tax

Insurance Premium Tax (IPT) is a UK tax applied to general insurance premiums. There are two rates. Standard at 9.5% and a higher rate of 20% for travel insurance, mechanical / electrical appliances insurance and some vehicle insurance.

16 lunchtime talks to choose from…

We are pleased to offer the following ‘free’ lunchtime talks. The talks all run between 13:10 – 13:50. These sessions will be informative yet informal – you are welcome to bring your lunch.

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Seeing your Doctor?

September 7, 2016 Health Matters, Home life No Comments

Seeing your Doctor?

Here are a few tips…to make the most of your time with your Doctor

Be Prepared…lists will always help and read them out at the start of your appointment. This helps the doctor to see the whole picture and to avoid leaving the embarrassing ailment until you are about to leave.

Try to pre-empt your doctor’s routine questions, prepare answers for: ‘how long has it been going on? Have you had it before and has anyone in the family had the same thing? And be specific and upfront about your history.

A symptom diary can help; these are helpful for tracking times when symptoms hit.

Your doctor may ask you to return to discuss one of your problems – it maybe that he or she feels that it deserves more time and a more detailed evaluation. A repeat visit will almost certainly incur a further charge.


Are you paying unnecessary IPT?

September 7, 2016 Insurances No Comments

Are you paying unnecessary IPT?

Insurance Premium Tax (IPT) is a UK tax applied to general insurance premiums. There are two rates. 
Standard at 9.5% and a higher rate of 20% for travel insurance, mechanical / electrical appliances insurance and some vehicle insurance.

Premiums for risks located outside the UK are usually exempt. Therefore if you are taking out an insurance policy with a UK supplier, ask about exempting IPT before you enter into the contract or renewal.

Some suppliers may ask you to fill out an IPT exemption declaration form confirming your residential status as being permanently outside of the UK for the period of insurance. It is likely that you will have to return this before the supplier deducts the IPT. Ask what the arrangements are before you sign up or renew. In most cases they will not refund retrospective overpayments.

3 Recent Case Studies
Mick and Pam have private medical insurance. They are automatically charge IPT even though the supplier knows they are non-UK residents. In the past, they used to send Mick an IPT exemption form to fill out with their annual renewal. When it was returned they would send out a revised renewal with the IPT removed. They have stopped this practice and it is now down to Mick to request and send in this form on renewal and he will not receive a reminder. Remembering to follow these steps on renewal has reduced their premiums by £60 per month, although the provider will not entertain a retrospective refund for the couple of years Mick did not realise he was being charged IPT.

Vicky and her friends required travel insurance for a European holiday. As they booked through one particular operator, they opted for their travel insurance which was available online (through a third party provider). After obtaining a quotation, Vicky resisted the temptation to pay there and then. Instead, she called the provider giving her quotation reference and asked for the IPT to be deducted. After a little convincing and reference to their own website to prove the policy extends to Jersey, the provider was happy to take payment over the phone for the insurance cover less the IPT and the insurance policy was then emailed to Vicky.


Finally, Rob had experienced a few problems with hire cars. On one occasion he refuelled his hire car with the wrong type of fuel which turned out to be a costly mistake! He was also concerned that he would have a high insurance excess but felt the additional insurance available on the hire car desk seemed to him to be excessive (often referred to as Excess Waiver Insurance, Super CDW). As he was likely to hire other vehicles in the coming year he decided to look into an annual car hire excess insurance policy. He found one online that included £6,000 towards the hire car excess, £1000 towards misfuelling and other key benefits. Whilst ‘checking out’ he couldn’t see how IPT could be deducted. He sent the provider an email enquiry and they came back to him advising that if he took out the policy and sent them the policy number and the last 4 digits of the payment card used to pay for the policy, they would be happy to refund the IPT within 5 working days. Rob is now driving his hire car safe in the knowledge that he has comprehensive annual European car hire excess cover but also paid a reasonable price less the IPT!

Check out your insurance policies and let us know if you are paying unnecessary UK IPT. How much can you save?


July 2016 edtn 79 JCC Newsletter

July 10, 2016 Newsletters No Comments

Travelling away in the next few weeks …

we suggest you take a closer look at the bar codes on your boarding passes. Do you know what type of information is embedded in therein?

Aggrieved? What are your options? Perhaps there’s one you haven’t yet considered? Mediation

Special Offers; BOGOF’S, two for the price of three and so on…We all love a bargain and being able to buy our groceries to include deals and offers. We are inviting islanders to send in receipts and examples of till naughties to us

If you had to name the top consumer complaint received by the Channel Island Financial Ombudsman in Q1 2016 what would you say?

Fancy joining us for one of our #free lunchtime talks? The next series of talks are due to start in early October ..what would you like to know more about? Please tell us

Plus Community Savings BIG Extras Savings Challenge.

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