Name: SAVE: Save Money and time, and never miss a renewal with Rightly Save
Brand: Rightly
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Rating: 4.8 (198 reviews)

Our services cover three aspects of personal data, one to help you make the most it, one to stop data brokers processing it and one to get your data deleted from any organisation

Rightly

Never miss a renewal and save money by using Rightly Save to help you stay organised, get reminders and find better deals all year round on car, home and other insurance products and services.

SAVE: Save Money and time, and never miss a renewal with Rightly Save

Our three services to help you manage your data | Rightly

We have two services to help manage your personal data. With Rightly Save you can better manage your insurance policies and not get caught out by the loyalty penalty. With Rightly Protect you can find out who has your data and get it deleted from any organisation you choose to.

RIGHT TOOL FOR THE JOB

<a href="https://right.ly/rightly-save/">Rightly Save</a> is our new service that helps you make the most of your personal data by pulling together all your insurance policies into one place, and help you set up renewal reminders so you never miss another chance to shop around for a better deal. You have a legal right to instruct a company to share your data with another organisation if that’s what you want to do. Rightly Save helps you use those rights.With <a href="https://right.ly/rightly-protect/">Rightly Protect</a>, you can find out who has your data and ask for it to be completely erased if that’s what you want. One of the problems with companies having so much of your personal data is that they’re being hacked all the time by people who want to steal it. When they do that, hackers build a profile of you, especially if they can get different bits of personal data from different sources. That makes you more vulnerable to being targeted by scammers and even complete identity theft. If a company doesn’t have your data, it can’t be stolen from them.

In 2021, rules were introduced requiring insurers to make sure that their products provide fair value, which included submitting regular Value Measures Data to the Financial Conduct Authority (FCA), the latest data having been published by the regulator in September this year.In September, as they published the data, the FCA wrote to insurers to warn them that they need to do more to ensure good consumer outcomes. The insurance firms were reminded that the FCA expects them to make sure they’re checking that their products are providing fair value to customers.In particular the FCA has identified one big area in car insurance that is coming under closer scrutiny - so called Guaranteed Asset Protection (GAP) insurance. GAP insurance is an add-on to car insurance which covers the difference between a vehicle’s purchase price and its current market value. The FCA believes some of these products may be failing to provide fair value to customers. The gap between premiums paid and the benefits received by consumers seems large: the FCA recently published data for GAP insurance indicating that only 6% of the amount customers pay in premiums is paid out in claims. And to rub salt into the wound, the FCA quotes examples of some firms paying out up to 70% of the value of insurance premiums in commission to parties in the distribution chain, such as car dealerships. Pretty miserable outcome for consumers.Insurers, they&#x27;re coming for youThe FCA has warned insurers that the regulator is coming for them unless they clean up their act. And they have already come after a number of firms, including Direct Line, which is set to pay out around £30 million in compensation to customers who were overcharged when they renewed their car or home insurance.Direct Line admitted to an “error” in implementing the FCA’s new pricing rules. The error meant existing insurance customers were charged more for their renewal than they would have done if they were a new customer, according to the FCA.It matters because car insurance is now the third-biggest household bill, behind council tax and energy, with soaring costs driving many car owners to sell their vehicles and get out of it altogether.What is ‘fair value’?‘Fair value’ is a financial term that represents the estimated worth of an asset or liability in a transaction between willing and knowledgeable parties. It&#x27;s the price that would be agreed between buyers and sellers in an open and unrestricted market. Fair value is often used in accounting, finance, and investing to determine the current value of assets and liabilities for various purposes, including financial reporting, investment analysis, and regulatory compliance.Fair value is based on current market conditions and takes into account factors like supply and demand, market sentiment, and other relevant information. Determining fair value can sometimes be subjective, as it relies on judgement and assumptions, particularly when there are no readily observable market prices. Consequently, there can be variations in the way different entities or analysts estimate fair value for the same asset or liability.But to put it simply, value is the relationship between the overall price to the customer and the quality of service or benefit provided.For insurance firms, the FCA has three main concerns regarding fair value for consumers:<ul><li data-block-key="6jcvh">the extent and quality to which insurance firms have implemented and embedded the rules introduced in 2021 overall</li><li data-block-key="dt0k6">certain firms and specific products where intelligence shows that customers may not be receiving fair value – and whether firms are able to show that their value assessment of those products is in line with the FCA’s rules</li><li data-block-key="2lpur">initial indications from the FCA’s supervision of firms shows deficiencies in product governance and a lack of adequate management information</li></ul>The FCA noted that some distribution arrangements fail to show how fair value is being delivered. There are high levels of commission where it’s not clear how the commission levels had been assessed to support the delivery of fair value. In layman’s terms, some insurers are ripping you off.How can you keep down your insurance costs?Keeping down your insurance costs is a smart move and in these cash-strapped times, one we should all consider. So, what can you do?<ul><li data-block-key="6ssg">Shop around: Don&#x27;t settle for the first insurance policy you come across. Get quotes from multiple insurance providers to compare prices and coverage options. Shopping around can often lead to significant savings</li><li data-block-key="au5t2">Bundle policies: Many insurance companies offer discounts when you bundle multiple policies, such as combining your home and car insurance.</li><li data-block-key="2iatb">Maintain a good credit score: Insurance companies often use your credit score as a factor in determining your premiums. Maintaining a good credit score can help keep your insurance costs lower</li><li data-block-key="f2lb0">Raise excess: Increasing your excess for policies like car and home insurance can lower your premiums. However, be sure you have the financial means to cover the higher excess if you have to claim</li><li data-block-key="7klsn">Drive safely: When it comes to car insurance, a good driving record with no accidents or speeding fines can lead to lower car insurance premiums. Some insurers offer safe driving discounts or usage-based insurance programmes that track your driving behaviour</li><li data-block-key="3mven">Install safety features: Fitting your home or car with safety features, such as alarms, anti-theft devices, or smoke detectors, can often lead to lower insurance costs</li><li data-block-key="7n8f0">Maintain a safe home: Home insurance premiums can be reduced by taking steps to make your home safer, such as updating the electrical system, installing a security system, or reinforcing the roof against wind or hail damage</li><li data-block-key="9neon">Take defensive driving courses: Completing a defensive driving course can sometimes qualify you for car insurance discounts</li><li data-block-key="6q0gv">Review your coverage regularly: Your insurance needs may change over time. Review your policies annually to ensure you&#x27;re not over-insured or under-insured. Adjust your coverage as needed</li><li data-block-key="854ci">Ask about discounts: Enquire with your insurance provider about any discounts. Some insurers offer discounts for various factors, such as being a good student, being an OAP, or being a member of certain organisations</li><li data-block-key="56c1n">Maintain a healthier lifestyle: For health insurance, leading a healthier lifestyle can sometimes lead to lower premiums. This can include things like not smoking, maintaining a healthy weight, and participating in wellness programmes</li><li data-block-key="9n87i">Ask about usage-based insurance: Some insurers offer programmes that monitor your driving habits to determine your premiums. If you&#x27;re a safe driver or have safe habits, this can result in lower costs</li></ul>Saving money on insurance is important, but also make sure you have the right coverage to protect against unexpected events.We can help<a href="https://right.ly/rightly-save/">Rightly Save</a> is our new service that can help you find the best deal for your insurance needs, for all your insurances whether for car, home, travel, pet, jewellery and so on. We help you use your data held by your insurers to give you control.<a href="https://right.ly/rightly-save/">Rightly Save</a>, automatically finds all your insurance policies and presents them to you in a single place, complete with renewal dates and the type of policy. To avoid your current insurer rolling you over each year, we’ll help you turn off auto-renewals in just a few clicks and help you get your insurer ready to negotiate a better price without you having to wait in phone queues.And we’ll set up automatic reminders so you get plenty of notice of all your insurance renewals. That way you’ll have a chance to find a better deal, whether you decide to stay with your existing provider or move on to a new one.

Complacent compliance

Food delivery scammers trick people into providing personal or financial information, stealing their money, or delivering subpar or non-existent food. Here are some common types of food delivery scams:<ul><li data-block-key="948ts">Fake delivery websites and apps: Scammers create fake websites or mobile apps that mimic popular food delivery services. Unsuspecting customers place orders and provide their payment information, only to realise they&#x27;ve been scammed when their food never arrives, or their card is charged for unauthorised amounts</li><li data-block-key="8nk7i">Phishing emails and texts: Scammers send phishing emails or text messages that appear to be from legitimate food delivery companies. These messages request personal information, such as credit card details or login credentials, under the guise of verifying an order or account information</li><li data-block-key="1u81d">Impersonation scams: Scammers pose as delivery drivers or customer service representatives. They might call or text customers, claiming there’s an issue with their order and requesting sensitive information like credit card numbers or passwords. In some cases, they ask for a &quot;redelivery fee&quot; or other additional charges</li><li data-block-key="dc4pc">Counterfeit or below par food: Some scams involve sending customers substandard or counterfeit food items. The food received may be of lower quality than advertised or even unsafe to consume. Scammers profit from the difference between the cost of the poor-quality food and the price charged to customers</li><li data-block-key="bea20">Non-delivery scams: In this type of scam, customers pay for their orders, but the food never arrives. Scammers claim that the delivery is delayed, and when customers become frustrated and request a refund, they just disappear</li><li data-block-key="1k4nq">Social engineering: Scammers use social engineering tactics to manipulate customers into revealing personal or financial information. They might claim to be from the delivery service&#x27;s security department and request sensitive details for verification purposes</li></ul>Protect yourself from food delivery scams:You can take steps to keep yourself safe from food delivery scams:<ul><li data-block-key="2b553">Always use official, well-known food delivery apps and websites</li><li data-block-key="febsv">Verify the legitimacy of any email, text, or phone call claiming to be from a food delivery service before providing any personal information</li><li data-block-key="c058s">Never share your personal or financial information with delivery drivers or customer service representatives</li><li data-block-key="6ah0g">Check the reviews and ratings of the restaurant you&#x27;re ordering from and be cautious of deals that seem too good to be true</li><li data-block-key="2guch">Report any suspicious activity to the food delivery service and local authorities.</li></ul>Data hygieneStaying informed and vigilant is crucial in protecting yourself from food delivery scams and ensuring a safe and enjoyable ordering experience. Your data is valuable and you should protect it like anything else.Scams often start with a piece of your personal data falling into the hands of a scammer who then uses it to trick you into parting with even more data, or your money. If a scammer has your data, you become more vulnerable to scams and even identity theft.The best way to prevent that is to get your data deleted from any organisation which doesn&#x27;t need it, long before a hacker can get to it. <a href="https://right.ly/rightly-protect/">Rightly Protect</a> is our product that can help you find out which companies have your data and then get it deleted from those that don’t need it any more, quickly and for free.

RIGHT TOOL FOR THE JOB

We have two services to help manage your personal data. With Rightly Save you can better manage your insurance policies and not get caught out by the loyalty penalty. With Rightly Protect you can find out who has your data and get it deleted from any organisation you choose to.

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