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What is the best home insurance in the UK 2024?

Home Insurance policies protect your home from damage and theft, so it’s important to find the best policy for you.

Moneyfacts has been analysing data for 35 years and our Star Ratings act as a badge of quality, providing an easy way for you to identify exceptional products that deserve your consideration. The chart below shows a selection of the Best Home Insurance Policies awarded four and five stars.

View the complete list of winners in the chart below. 

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Featured home insurance providers

  • Admiral
    • Home Combined Insurance – if you’re looking for cheap home insurance, get a quote with Admiral – you could pay as little as £136 a year if you insure your home (10% of Admiral-level Instaquote customers paid £135.66 or less for a combined policy between Jun and Nov 23).
    • Home Buildings Insurance – if you’re looking for cheap buildings insurance, get a quote with Admiral – you could pay as little as £121 a year (10% of Admiral-level Instaquote customers paid £120.53 or less for a buildings policy between Jun and Nov 23)
    • Home Contents Insurance – if you’re looking for cheap contents insurance, get a quote with Admiral – you could pay as little as £60 a year (10% of Admiral-level Instaquote customers paid £60.30 or less for a contents policy between Jun and Nov 23)
  • LV=

    Dependable home cover for the place that matters most
    Insurance is simple when it’s me and LV=

    • With Moneyfacts 5 Star rated cover, our Home and Home Plus cover is of the highest quality
    • £1 million cover if you need to rebuild your home 
    • Choose up to £150,000 for your contents cover
    • 24-hour UK emergency helpline if you need help in a hurry
  • Alan Boswell Group
    • UK-based claims support.
    • Flexible policy tailored to your needs with contents cover starting from £15,000.
    • Full accidental damage cover available. TVs, computers and audio equipment automatically included.
    • Up to £1000 for replacement of external door locks if keys are lost or stolen.
    • Up to £1 million cover if you need to rebuild your property.
    • Garden cover and business use (clerical only) included as standard.
    • Additional cover available for travel, home emergency, family legal and personal belongings.

    The information above is based on the Alan Boswell Sentinel policy, underwritten by Aviva. Other policies are available.

  • Homeprotect

    Protect your property and belongs from insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.

    What we offer:

    • Policies underwritten by AXA Insurance
    • Up to £1 million of Buildings cover as standard (eligibility criteria applies)
    • Contents cover from £25,000 
    • Optional accidental damage cover available
    • Up to £75,000 alternative accommodation cover for you and your pets
    • Basic Home Emergency cover included as standard for plumbing and drainage emergencies, failure of domestic power supply, home security emergencies such as failure of door locks
    • Optional Home Emergency upgrade to cover boiler / heating emergencies and roof damage emergencies
    • Basic Legal Expenses cover included as standard 
    • 24/7 legal advice helpline for any personal legal matter
    • 24/7 Home Emergency Line
  • Sagic

    Wholly owned by The Salvation Army with over 100 years of service with a customer focused approach.

    • Home Insurance that supports the diverse charitable work of The Salvation Army.
    • Comprehensive 5-star rated cover of up to £1m for Buildings and up to £100k for Contents and Home Emergency cover included as standard.
    • Low £75 Standard Excess, £350 Escape of Water Excess, £1,000 Subsidence Excess.
    • UK-based customer service and claims team.
    • Additional benefits include no interest on monthly payments and no amendment or cancelation fees.
  • The AA
    • The AA covers accidental damage as standard for any non-portable gas and electrical appliances – like cookers and washing machines. Or for fixed mirrors and glass in furniture - like dressing tables or TV stands*.
    • The AA will replace any lost, stolen or damaged items with brand new ones. And won’t take anything off, even if they’re worth a bit less now due to wear and tear
    • If something happens like fire, flooding, or subsidence, and you can’t live in your home, the AA will pay for alternative accommodation**.
    • Burst pipe, no problem -the AA will repair any loss or damage and pay up to £5,000 to find the source and make good any damage caused by the search in finding the leak***

    * Ts&Cs apply. See policy booklet for more information. Only applies to non-portable gas and electrical appliances.
    ** We’ll pay up to 20% of the insured value for alternative accommodation for Home Contents and up to £45k for Home Buildings. The accommodation will be of a similar size and standard to your home, and we’lll only pay the costs we’ve agreed in advance.
    ***Does not cover loss or damage if your home was unfurnished or unoccupied at the time of the loss or damage. Or loss or damage caused by subsidence, heave or landslip.

  • Coverbaloo

    Different tiers of cover can be confusing. We like to keep things simple, so we have one comprehensive policy for everyone, whether that’s buildings, contents, or both in one policy. As standard we cover up to £1m for buildings and up to £100k for contents. You can also tailor your policy by adding on extra peace of mind through our range of optional add-on covers, like Home Emergency, Personal Belongings and Legal Expenses.

    We always strive to be fair and transparent in everything we do, and that’s why we won’t charge you extra for paying monthly by direct debit, and there are no hidden fees for cancelling or changing something on your policy. We also promise when you renew your policy, you will pay no more than you would as a new customer. Our Home policies are underwritten by Ageas, which gives our customers quality cover they can rely on.

  • Swinton

    Swinton Insurance aim to make it simple for customers to choose their home insurance cover. Customers can relax knowing their home is protected from loss or damage with home insurance through Swinton, subject to cover level.

    Swinton compares prices from a panel of insurers, aiming to provide customers with a quote. Whether they are looking to protect their family home, holiday home or a high-value property, there are various policies available to fit most requirements.

  • Saga

    Protect your home with SAGA

    • Saga Home Insurance is rated 5 Star by Moneyfacts – choose between two excellent cover levels with the same great service. For people over 50.
    • Make yourself comfortable – settle in for 3 years at the same price, if nothing changes, with our Saga Plus cover. No cancellation fee if you decide to leave. T&Cs apply.
    • Home and dry – our trace and access buildings cover includes repairing any damage caused by finding and fixing leaking pipes (Saga Plus up to sum insured; Saga Select up to £5,000).
Note

Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfactscompare.co.uk will receive a small payment either if you click the links or if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions.

Disclaimer

The list of home insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfactscompare.co.uk recommends you obtain independent financial advice.

What parts of the policy do we look at?

The many factors we look at to determine star ratings include:

  • Maximum sums insured
  • Standard excesses
  • Accidental damage cover
  • Valuables single item limits
  • Legal expenses
  • Personal possessions cover
  • Money and card cover
  • Set-up, adjustment, renewal and cancellation fees
  • Voluntary excess discount
  • No claims discount options
  • Students cover
  • Gift cover
  • Business equipment cover
  • Pedal cycles cover
  • Special events
  • 24-hour emergency helpline
  • Alternative accommodation
  • Owners / occupier personal liability
  • Subsidence cover
  • Mobile phones cover
  • Home emergency cover
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Home emergency repair guarantee
  • Keys cover
  • Freezer cover
  • Deeds and documents cover
  • Residential care cover
  • Maximum sums insured
  • Standard excesses
  • Accidental damage cover
  • Valuables single item limits
  • Legal expenses
  • Personal possessions cover
  • Money and card cover
  • Set-up, adjustment, renewal and cancellation fees
  • Voluntary excess discount
  • No claims discount options
  • Students cover
  • Gift cover
  • Business equipment cover
  • Pedal cycles cover
  • Special events
  • 24-hour emergency helpline
  • Alternative accommodation
  • Owners / occupier personal liability
  • Subsidence cover
  • Mobile phones cover
  • Home emergency cover
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Home emergency repair guarantee
  • Keys cover
  • Freezer cover
  • Deeds and documents cover
  • Residential care cover
  • Maximum sums insured
  • Standard excesses
  • Accidental damage cover
  • Valuables single item limits
  • Legal expenses
  • Personal possessions cover
  • Money and card cover
  • Set-up, adjustment, renewal and cancellation fees
  • Voluntary excess discount
  • No claims discount options
  • Students cover
  • Gift cover
  • Business equipment cover
  • Pedal cycles cover
  • Special events
  • 24-hour emergency helpline
  • Alternative accommodation
  • Owners / occupier personal liability
  • Subsidence cover
  • Mobile phones cover
  • Home emergency cover
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Home emergency repair guarantee
  • Keys cover
  • Freezer cover
  • Deeds and documents cover
  • Residential care cover

Home Insurance Star Ratings 2024

Click the headings below to see the full list of star ratings awarded.

Home Buildings Insurance - Five Star

3XD - Home Insurance
AA - Home Insurance Plus
AA - Platinum Home Insurance
Admiral - Platinum Home Insurance
Age Partnership - Home Insurance
Ageas - House Guard Prestige
Artsure - Private Client
Aston Lark - Elite Home Insurance
Aviva - Home Insurance
AXA Direct - AXA Premier Home Insurance
AXA Insurance - AXA Advanced
AXA Insurance - AXA Extra
Bank of Scotland - Home Insurance Select Gold
Bank of Scotland - Home Insurance Select Silver
Baptist Insurance - Home Insurance
Beazley - Home Insurance
Cavere Insurance - Cavere Home Insurance (RSA)
Cavere Insurance - Home Insurance (Ageas)
Cherish Insurance Services - Cherish Home
Chubb - Masterpiece Initial
Churchill - Home Insurance
Churchill - Home Plus
County Insurance Services - County Home Insurance
coverbaloo - Home Insurance
Cumberland Building Society - Home Insurance
Direct Line - Home Insurance
Direct Line - Home Insurance Plus
Direct Line - Select Premier Insurance
Ecclesiastical - Home Insurance
first direct - Home Insurance
First2Protect - Your Home
Frontier Home Insurance - Frontier Home Essentials
Frontier Home Insurance - Frontier Home Premier
Halifax - Home Insurance Select Gold
Halifax - Home Insurance Select Silver
Halifax - Home Insurance Ultimate
Hastings Direct - Hastings Direct
Hastings Direct - Hastings Premier
Hiscox - Home Insurance
Homeprotect - Home Insurance
Hoot Insurance - Home Insurance
HSBC - Home Insurance
John Lewis Insurance - Bronze
John Lewis Insurance - Gold
John Lewis Insurance - Silver
Leeds Building Society - Home Insurance
Leek United - Home Insurance
Lloyds Bank - Home Insurance Select Gold
Lloyds Bank - Home Insurance Select Silver
Loughborough Building Society - Home Insurance
LV= - Home Essentials Insurance
LV= - Home Insurance
LV= - Home Plus Insurance
LV= - LV= Home Gold
LV= - LV= Home Silver
LV= Broker - Rainbow Home Insurance
M&S Bank - M&S Premier Home Insurance
M&S Bank - M&S Standard Home Insurance
MBNA - Home Insurance Plus
MORE TH>N - Extra
MORE TH>N - Home Choice Primary cover
MORE TH>N - Home Choice Upgraded cover
MORE TH>N - Standard
Motability - Home Insurance
Nationwide Building Society - Home Insurance
NatWest - Elite Home Insurance
NatWest - Home Insurance
NatWest - Premier Home Insurance
NFU Mutual - Home and Lifestyle
Nottingham Building Society - Home Insurance
OneClickCover - Home Insurance
Paymentshield - Plus Home Insurance
Pen Underwriting - Premier Home
Police Mutual - Family Home Insurance
Police Mutual - Home Insurance
Police Mutual - NARPO Home Insurance
Policy Expert - Bronze Home Insurance
Policy Expert - Gold Home Insurance
Policy Expert - Silver Home Insurance
Post Office Money - Gold
Privilege - Platinum Home Insurance
Quotemehappy.com - Essentials Plus
Quotemehappy.com - Premier
Royal Bank of Scotland - Elite Home Insurance
Royal Bank of Scotland - Home Insurance
Royal Bank of Scotland - Premier Home Insurance
RSA - Preferred Choice
Saga - Saga Plus
Saga - Saga TailorMade
SAGIC - House and Home Insurance
Sainsbury's Bank - Home Insurance
Sainsbury's Bank - Home Plus
Santander - Santander Home Insurance - Plus
Sky Protect - Smart Home Insurance
Suffolk Building Society - Home Insurance
Swiftcover - Plus Home Insurance
TSB - TSB Pick and Protect Home Insurance
Uinsure - Home Insurance
Utility Warehouse - Home Insurance
Vernon Building Society - Home Insurance
Virgin Money - Home Insurance
West Bromwich Building Society - Home Insurance
West Bromwich Building Society - Premier Home Insurance
Yorkshire Building Society - Home Insurance

Home Buildings Insurance - Four Star

AA - Gold Home Insurance
AA - Silver Home Insurance
Admiral - Gold Home Insurance
Aviva - Home Plus
Aviva - Your House
AXA Direct - AXA Home Insurance
AXA Direct - AXA Plus Home Insurance
Bank of Scotland - Home Insurance Select Bronze
Bradford & Bingley - Home Insurance
Co-op Insurance - Co-op Home
Cornish Mutual - Home Insurance
Covea Insurance - Profile
esure - Home Insurance
Geo Personal Lines - Standard Home Insurance
Getsafe - Home Insurance
Halifax - Home Insurance Select Bronze
Halifax - Home Insurance Standard
Hastings Direct - Hastings Essential
Haven Insurance - Home Insurance
Intasure - Home Insurance for Household UK
Lloyds Bank - Home Insurance Select Bronze
Mark Bates Ltd - Home Insurance
MBNA - Home Insurance Essentials
Methodist Insurance - Home Shield
Midas Underwriting Limited - Midas Jewel Home Insurance
MORE TH>N - Essentials
Paragon - Noble
Paymentshield - Standard Home Insurance
Pen Underwriting - Pen Evolve Your Home
Plum Underwriting - Flex
Post Office Money - Silver
Privilege - Home Insurance
Quotemehappy.com - Essentials
RIAS - Home Insurance
RSA - Clearchoice
Saga - Saga Select
Santander - Santander Home Insurance - Classic
Sheilas' Wheels - Home Insurance
Swiftcover - Home Insurance
Swinton Insurance - Classic Home Insurance
Swinton Insurance - Premier Home Insurance
Tesco Bank - Click & You're Covered Home Insurance
Tesco Bank - Tesco Bank Home Insurance
Urban Jungle - Home Insurance

Home Contents Insurance - Five Star

AA - Home Insurance Plus
AA - Platinum Home Insurance
Admiral - Platinum Home Insurance
Age Partnership - Home Insurance
Ageas - House Guard Prestige
Artsure - Private Client
Aston Lark - Elite Home Insurance
Aviva - Home Insurance
AXA Direct - AXA Premier Home Insurance
AXA Insurance - AXA Advanced
AXA Insurance - AXA Extra
Bank of Scotland - Home Insurance Select Gold
Bank of Scotland - Home Insurance Select Silver
Baptist Insurance - Home Insurance
Beazley - Home Insurance
Bspoke Private Clients - Premier Home Insurance
Cavere Insurance - Cavere Home Insurance (RSA)
Cavere Insurance - Home Insurance (Ageas)
Cherish Insurance Services - Cherish Home
Chubb - Masterpiece Initial
Churchill - Home Plus
Cornish Mutual - Home Insurance
Covea Insurance - Profile
coverbaloo - Home Insurance
Cumberland Building Society - Home Insurance
Direct Line - Home Insurance Plus
Direct Line - Select Premier Insurance
Ecclesiastical - Home Insurance
first direct - Home Insurance
First2Protect - Your Home
Frontier Home Insurance - Frontier Home Premier
Geo Personal Lines - Standard Home Insurance
Halifax - Home Insurance Select Gold
Halifax - Home Insurance Select Silver
Halifax - Home Insurance Standard
Halifax - Home Insurance Ultimate
Hastings Direct - Hastings Direct
Hastings Direct - Hastings Premier
Hiscox - Home Insurance
Homeprotect - Home Insurance
Hoot Insurance - Home Insurance
Horizon - Longitude
HSBC - Home Insurance
John Lewis Insurance - Bronze
John Lewis Insurance - Gold
John Lewis Insurance - Silver
Leeds Building Society - Home Insurance
Leek United - Home Insurance
Lloyd & Whyte - Home Advantage
Lloyd & Whyte - House Guard Prestige for Professionals
Lloyds Bank - Home Insurance Select Gold
Lloyds Bank - Home Insurance Select Silver
Loughborough Building Society - Home Insurance
LV= - Home Insurance
LV= - Home Plus Insurance
LV= - LV= Home Gold
LV= Broker - Rainbow Home Insurance
M&S Bank - M&S Premier Home Insurance
M&S Bank - M&S Standard Home Insurance
Mark Bates Ltd - Home Insurance
MBNA - Home Insurance Plus
Methodist Insurance - Home Shield
MORE TH>N - Extra
MORE TH>N - Home Choice Primary cover
MORE TH>N - Home Choice Upgraded cover
Motability - Home Insurance
Nationwide Building Society - Home Insurance
NatWest - Elite Home Insurance
NatWest - Premier Home Insurance
NFU Mutual - Home and Lifestyle
Nottingham Building Society - Home Insurance
OneClickCover - Home Insurance
Paymentshield - Plus Home Insurance
Paymentshield - Standard Home Insurance
Pen Underwriting - Premier Home
Police Mutual - Family Home Insurance
Police Mutual - Home Insurance
Police Mutual - NARPO Home Insurance
Policy Expert - Gold Home Insurance
Post Office Money - Gold
Privilege - Platinum Home Insurance
Quotemehappy.com - Premier
Rentguard - Home Plus
RIAS - Home Insurance
Royal Bank of Scotland - Elite Home Insurance
Royal Bank of Scotland - Premier Home Insurance
RSA - Preferred Choice
Saga - Saga Plus
Saga - Saga Select
Saga - Saga TailorMade
SAGIC - House and Home Insurance
Santander - Santander Home Insurance - Plus
Sky Protect - Smart Home Insurance
Suffolk Building Society - Home Insurance
Swinton Insurance - Premier Home Insurance
Tesco Bank - Click & You're Covered Home Insurance
Tesco Bank - Tesco Bank Home Insurance
TSB - TSB Pick and Protect Home Insurance
Uinsure - Home Insurance
Utility Warehouse - Home Insurance
Vernon Building Society - Home Insurance
Virgin Money - Home Insurance
West Bromwich Building Society - Home Insurance
West Bromwich Building Society - Premier Home Insurance
Yorkshire Building Society - Home Insurance

Home Contents Insurance - Four Star

AA - Gold Home Insurance
AA - Home Insurance
Ageas - Extra Home Insurance
Aviva - Home Plus
Aviva - Your House
Bank of Scotland - Home Insurance Select Bronze
Bradford & Bingley - Home Insurance
Broker Direct - HomeCare 22.5% Commission
Choice Insurance Agency - Aspire Home Insurance
Churchill - Home Insurance
County Insurance Services - County Home Insurance
Direct Line - Home Insurance
esure - Home Insurance
First Underwriting - Premier
Getsafe - Home Insurance
Halifax - Home Insurance Select Bronze
Lloyds Bank - Home Insurance Select Bronze
LV= - Home Essentials Insurance
LV= - LV= Home Silver
MORE TH>N - Standard
NatWest - Home Insurance
Pen Underwriting - Home Insurance E-Solutions
Pen Underwriting - Pen Evolve Your Home
Plum Underwriting - Flex
Policy Expert - Silver Home Insurance
Post Office Money - Silver
Prestige Underwriting - Coverall Home Insurance
Quotemehappy.com - Essentials Plus
Royal Bank of Scotland - Home Insurance
RSA - Clearchoice
Sainsbury's Bank - Home Insurance
Sainsbury's Bank - Home Plus
Santander - Santander Home Insurance - Classic
Sheilas' Wheels - Home Insurance
Sutton Winson - Clear Choice
Swinton Insurance - Classic Home Insurance

Home insurance explained

A comprehensive home insurance policy protects your home and its belongings in the event of damage or theft. When taking out a home insurance policy, providers will break down your cover into two categories:

  • Buildings insurance
  • Contents insurance

You can either purchase both forms of cover from the same provider, or individually from different companies.

Buildings insurance explained

Buildings insurance will cover any damages to the structure of your home. This means your buildings insurance can cover for damage to your roof, floors, windows or walls. In addition to this, some policies can cover for items which are not attached to your home, such as gardens, conservatories, or sheds.

Damages to your property can take many forms, and claims can often be made for incidents of vandalism, fires, or flooding just to name a few. Depending on the event, this claim can rebuild or repair any damages caused.

Contents insurance explained

Home contents insurance, alternatively, covers the personal possessions inside your home from theft or damage. This could include items such as a TV, computer, or jewellery among others. Many insurance items will have a price cap on the value of your claims, so extremely high value items should be insured for separately.

It is key to note that damage to your items will be covered under certain circumstances. Fire or flooding damage to your sofa will often be paid for, but if it is damaged after a rowdy party then your claim can be more difficult to argue.

Like building insurance, contents insurance can also extend to other areas of your home, such the content in a garden shed. This can include common things such as bicycles, lawnmowers, or patio furniture just to name a few.

 

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What home insurance do I need?

If you are renting your home, then you will not need building insurance. This will fall onto the responsibility of the landlord and will likely be factored into your rent. You might, however, need to purchase contents insurance to protect your personal belongings.

Those who are on the property ladder, and have a mortgage on their property, should consider both buildings and contents insurance. In fact, many lenders require you to have building insurance if you use a mortgage.

Even if this is not required, it may be advisable to investigate this option. To explain why, consider a scenario where your home is destroyed. In such an event you will still be liable for continuing mortgage payments.

How much does home insurance cost?

The cost of home insurance varies greatly depending on several factors, including the size of your home, your location, the extent of your cover and previous claim history.

In addition to this, your property type will also influence your premium. For example, a thatched roof house will still be insured but will cost more due to the increased risk of fire.

At this point it is important to remember that the cheapest home insurance policy is not necessarily the best on the market. The cost of your quoted premium should always be used in comparison to the policy’s cover.

How to lower my home insurance premiums

One of the most practical measures you can take to lowering your insurance premium is to install a security system on your property. This can include a new alarm system, locks, or even purchasing a safe to use for your most valuable belongings.

In addition to this, there are broader steps you can take which include paying your insurance annually, opting for a higher excess, or building up a no claims history.

Do I need to add public liability cover to my home insurance?

Public liability cover can cover your legal and compensation costs in case of an accident on your property. For example, if a slate blows off your roof in high winds and injures someone walking past, then they can be entitled to compensation. If a claim ensues then public liability insurance will cover your legal and compensation costs.

Those who will be letting part of their property on Airbnb, for example, might be particularly interested in this cover. This, and holiday let insurance, is explained in more detail in our guide.

What is excluded from home insurance?

There are a several risks that can be excluded from home insurance cover. This means that you cannot claim for them if they occur.

First among these is what is called a ‘gradually operating cause’ – or, in other words, ordinary wear and tear to your property. Insurers may also not cover you if they believe the claim has arisen due to a lack of maintenance or care.

FAQs on home insurance

Do I have to have home insurance?

No. Neither buildings nor contents home insurance is compulsory by law.

Can I get immediate insurance cover for my home?

Yes. Many insurers offer immediate cover for home insurance or the option to purchase cover from a date/time up to 30 days in the future.

How do I make a claim on my home insurance?

Home insurance claims can usually be made by phone or online. It is very common for home insurers to provide a 24-hour helpline number for emergencies, such as a sudden flood, giving you immediate access to qualified local tradespeople. Often, their fees will be settled directly by the insurer, meaning you will only have to pay any excess that is applicable.

How do I cancel my home insurance?

You can cancel your home insurance within the first 14 days after buying a policy. Under consumer law, you are entitled to this 14-day cooling-off period. This is explained in more detail on our guide to cooling off periods.

If you are further into your insurance policy and want to cancel, then it is simply a matter of getting in touch with your insurers, which you can usually do online or by calling your insurer. When you cancel, you should receive a pro-rata refund of any outstanding premium left. Some insurers may charge an admin or cancellation fee to end your insurance early.

However, it is wise never to cancel your policy until you have alternative cover in place.

Compare other insurance policies

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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.