STRAIGHT TO THE POINT

I AM 70 and cycle everywhere — I drive for only one hour a week. Pay-as-you-drive insurance could save me a lot of money. Which companies offer this service? G. W-M., Harrogate.

THIS is currently offered by only small, internet-based firms.

One is By Miles, which covers motorists aged between 25 and 75. it charges from £12 a month to cover your car while it is parked, and then you pay for each mile you drive, counted by a small computer that is installed under the dashboard. This cost is based on the risk you pose, but is around 5p per mile.

I HAVE BT broadband, but want to switch to EE. I was told that to keep my BT email address, I’d need to pay £5 per month. Is this right? J. A-B., by email.

BT DOES charge its non-broadband customers £5 per month to use its email service. it says this allows you to open up to ten email accounts. if you don’t want to pay, consider opening a free email account with Hotmail or Google.

I AM being hounded by a claims management company which says I have been missold a package bank account and could be owed thousands of pounds. But if I use its services to launch a claim and win, the firm will take a 39 pc cut. What should I do? D. O., Middleton.

AVOID at all costs. if you think you have been missold a package account you can make a compensation claim yourself for free by complaining to your bank.

Call or write using our template letter at thisismoney.co.uk/mis-soldaccount. if your bank rejects your claim, you can take your case for free to the Financial Ombudsman.