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August Newsletter

Welcome to our August newsletter. In this issue we have home insurance as product of the month. Manchester Soul festival returns for a fifth year. The tricks airlines use to avoid paying compensation and surviving Brexit.

Product of the Month


Home Insurance

Home Insurance. We compare the market so you don’t have to saving you time and money. We use many of the UK’s leading insurance companies and have arranged special deals you won’t find anywhere else on the internet.

We offer a personal service so you will always be able to talk to us should you require help or assistance in anyway. Our aim is to give you the most appropriate policy at the best possible price.

We want to take the hassle out of buying household insurance.

  • Generous No Claims Discount
  • Buildings Insurance
  • Contents Insurance
  • Installments available
  • All Risk Items
  • Legal Expenses available with identity theft protection
  • 24 hour claim lines
  • You may be interested in our home worker insurance policy

Manchester Soul Festival



The Manchester Soul Festival is back for the 5th year!

Following four successful years raising over £100,000 for The Christie we can’t wait to bring you more Soul and Motown bands, artists and DJs

from across the UK to perform in various of The Printworks venues on Sunday 25th August 2018. And of course raise lots more money for The Christie!

The event brings all the fun and nostalgia of Northern soul music and dancing to the streets of The Printworks whilst raising money for a charity close to a lot of people’s hearts.

Though the line up is yet to be announced, there will be performances from bands such as Stax of Soul and the Soul Temptations to soul DJ’s like Dave Starr and Fay L Jones! Similar to last year, acts gracing the main stage will once again perform on the ‘Frank Byrne stage,’ named in memory of the Manchester legend who worked tirelessly to get the festival started and to make it a success back in 2015.


We are also planning lots of mini soul events leading up to the Manchester Soul Festival at The Printworks which we will keep you updated on via facebook or The Printworks website. These events will be free but will be sure to get you excited for the main event in August.

Further details of the event, timings and acts will follow soon.

Finally, a big thank you for your contribution and donations. All proceeds of these donations will go directly to The Christie. To purchase a wristband for the event follow the link here.

The tricks airlines use to avoid paying fair compensation

You’re probably familiar with the scenario. You spent long hot, cramped hours sitting on tarmac long after your flight should have taken off, maybe even landed at your destination.

By that point you had hoped be sitting by a pool with a cold beverage enjoying the first evening of your long-awaited, much-needed summer break. Instead you listened keenly through the cries of equally frustrated children for information, for any scrap of detail, about what on earth is stopping this metal bird getting airborne.


For want of something else to do, you started planning your compensation claim. But at the back of your mind you already suspected it wouldn’t be an easy process. Citizens Advice says flight chaos and problematic flights are the number one issue driving people to the consumer page of its website.


In fact, almost half of all valid compensation claims by passengers following UK flight disruption are initially refused according to a new study by air passenger claims management business AirHelp, which calculates that airlines owe money to nearly 448,000 passengers following UK flight disruptions already this year.


And yet the law is pretty clear.

According to the European law EC 261, if a flight is delayed by more than three hours, cancelled, or in an instance of denied boarding – passengers are entitled to financial compensation of up to €600 (£530) if the cause of the disruption was in the airline’s control. 

All passengers departing from a European airport are covered under EC 261, and passengers flying into Europe from other worldwide destinations may be covered when flying on a European carrier. Passengers have up to three years to claim financial compensation following a disrupted flight. 

Depending on the length of the delay the airline may also have to help pay for food and drink, provide access to calls and email and provide accommodation if you are delayed overnight. The airline is only exempt when the disruption was caused by an “extraordinary circumstance” – one that is truly out of the airlines control, such as bad weather.

But AirHelp warns airlines are regularly providing baseless excuses and wrongly citing “Force Majeure” (extraordinary circumstances) – including operational issues which are often within the airlines control – in an attempt to shirk their responsibilities for the delay or cancellation and not pay compensation.


There are three terms most commonly used to deter claimants.

Airline staff strike

With a spate of strikes planned at Heathrow by airport staff this summer, this is a crucial circumstance to know about.

Strikes by those not managed by the airline are indeed out of their control, such as action by baggage handlers. As such the airline is not liable to pay passengers compensation because it couldn’t do anything directly about it. 


But many passengers are told they’re not owed compensation when disruption was caused by a strike by the airline’s own staff. In 2018 the European Court of Justice ruled that strikes by flight staff do not constitute an extraordinary circumstance. 


Airlines are accountable for the actions of their employees and also have a duty of care to passengers who are stranded due to a delay or cancellation, which includes food, drink, communication, and if necessary, accommodation. 

Crew or pilot shortages

The entire commercial airline industry is facing a shortage of pilots for both cargo and passenger planes. However, it is the airline’s responsibility to ensure measures are in place to avoid crew or pilot shortages. Crew sickness, for example, is not an extraordinary circumstance that would free the airline from its obligation to compensate.

Technical or operational issues

Airlines must adhere to strict safety procedures which means ‘technical issues’ should be identified and prevented during routine checks and maintenance. Although it is rare to find a technical related issue that is still classed as an extraordinary circumstance, airlines are commonly using this reason to wrongly convince passengers that the delay or cancellation was out of their control. 


Paloma Salmeron, an air passenger rights commentator at AirHelp, said: “We urge passengers to question the reason given by an airline if their flight is disrupted and to check if they’re entitled to compensation. Airlines can no longer pick and choose which parts of the law to adhere to.

“We are particularly pleased to see the Civil Aviation Authority (CAA) has taken enforcement action against an airline for refusing to compensate passengers following strike disruption. UK travellers are tired of having the wool pulled over their eyes by airlines who have long ignored the laws put in place to protect passenger rights.”

Checklist: What to do in the case of a flight disruption

1. Contact your airline to arrange your alternative flight to your destination (or a refund).

2. Hold onto your boarding pass and any other travel documents.

3. Ask why the flight was disrupted

4. Ask the airline to pay for your meals, drinks, and accommodation when necessary – you have the Right to Care, meaning that the airline is responsible for making sure you receive the above.


5. Keep your receipts if your disrupted flight ends up costing you extra money.

6. Make a note of the arrival time at your destination.

7. Check if you’re owed compensation.


How to financially survive a no-deal Brexit


It’s really time to get ready for Brexit. Yes, things are slightly more urgent if you’re a government minister or a farmer or you have an interest in just-in-time supply chains.

But even if you’re a normal person then there’s not much time to get your finances braced for a possible no deal.  

Boris Johnson has maintained the chances of a no-deal exit are “a million to one” but, despite that, it’s clearly an increasingly likely outcome.  

That leaves just a handful of weeks to prepare. By the time you’re stocking up on Halloween sweets, it will be too late. 

So what can you do in just three months? Here are some ideas.

Know where your money is ort your travel plans

Whatever happens with Brexit, the British love affair with travelling to the European mainland won’t go away. 


But if you are planning to travel within Europe after a potential no-deal exit, it’s really important to take a few extra steps to ensure you don’t get into difficulties.

For example, you may need to renew your passport sooner than expected. Just now, British citizens are able to enter “Schengen area” countries with a valid passport, even if it has as little as a day left before it expires.

However, if we do leave with no deal then the government’s advice is to renew if you have less than six months left on your passport, or you may not be allowed to travel.


A no-deal Brexit may cause delays at the airports as British travellers are no longer able to pass through the EU citizen passport controls, which are often quicker.

Without EU membership and unless something is arranged as part of a Brexit deal, travellers could no longer rely on a European Health Insurance Card (Ehic) to allow them to use local medical services on the same terms as a resident in an emergency. 

That means that travel insurance is more essential than ever, as even a short visit to hospital could rack up thousands of pounds in medical bills. The price of cover may rise if British tourists can no longer rely on their Ehic but it will still be far cheaper than hospital bills.


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