Trick and Treat – a few tips and tricks from other Members and Staff to help you get the best deal online.

24.10.2018 by Jim Ker

Do you remember the days of cutting out coupons from magazines to get discounts on favourite products when shopping? Discount coupons seem to have almost disappeared nowadays.
Or have they?

With online sales steadily growing year on year, discounts are still available, you just need to know where to look for them. Here are a few tips and tricks from other Members and Staff to help you get the best deal online.

1. Are you looking to buy something from Amazon and don’t need it urgently? If so, you can track the historic prices of the product on Camelcamelcamel.com to see if you are getting the best deal. This shows you price highs & lows and allows you to set an email alert when the price drops below a certain value, so you can buy when the price is right.

2. Are you an avid reader? If you use an e-reader, then have you heard of Bookbub.com? You can set up your preferences on the website to get regular emails alerting you to free & discounted e-books, releases from your favourite authors or recommended releases, etc.

3. Refer a Friend: If you’re happy with the service you are receiving from a supplier, it’s only natural to tell your friends and family about it. Many businesses will reward this customer promotion and are willing to offer rewards when your friend signs up. It’s always worth checking to see if there’s a scheme that might benefit you both before your friend signs up too.

4. Planning a cruise holiday? Like flights, the costs of cruises can vary wildly depending on when and how you book. One of our members recommended the site seascanner.com which allows you to set up notifications when the price of specific cruises you are interested in change – this allows you to track the price and book once prices drop to the level you’re willing to pay. (Just remember to turn off notifications after you’ve booked, so you don’t have to see the prices fall after you’ve paid!)

5. Did you know you can buy discounted gift cards through reselling sites such as cardyard.co.uk or Zeek.me for all sorts of retailers, restaurants, etc. Also, if you have received a gift card that you don’t expect to use you can sell them on to the site also. The discounts vary from store to store, but if used regularly can significantly reduce your overall spend.

6. Cashback sites: When buying online from your favourite websites, you might be able to boost your savings by using one of the many cashback sites such as Quidco or Mycashback. Alternatively, you can add to childrens’ savings accounts through kidstart.co.uk – anyone can sign up to save for a child on Kidstart, not just the child’s parents.

7. Finally, not a savings tip as such, but definitely good to know; If purchasing on a Credit Card, be wary of websites directing your payment through Paypal. If you purchase products costing between £100 and £3,000 on a credit card, the credit card company is obliged to put things right should the product be faulty, broken or doesn’t arrive (Consumer Credit Act 1974). This only applies if there is a “direct relationship” between the credit card company and the retailer. Paypal acts as an intermediary, so the credit card would pay Paypal, who then pay the retailer for goods – by using Paypal in this way, you remove the protection of using your credit card.

 

Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

  • conduct a full assessment of your needs;
  • offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

  • protect yourself and your loved ones in the event of death
  • save and invest with the added benefit of protecting yourself and your loved ones in the event of death
  • provide benefit cover in the event of sickness

4. What will you have to pay us for our services?

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website www.fsa.gov.uk/register or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Most types of insurance business are covered for 90% of the claim with no upper limit.