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plus, the storm damage claims insurers aren't covering

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Can’t view the email properly? View it in your browser Home | Help centre |  Log in Money Hello Just over a week ago, a major incident was declared after Storm Claudia led to severe flooding in Wales. It's a stark reminder that when storms hit, home insurance doesn't always offer the protection you expect. My investigation uncovered alarming gaps in cover and heard from victims who felt let down by their insurer when they needed them the most. We also unveil the best banks rated by customers and our experts. Plus, look out on Wednesday afternoon for our special Autumn Budget newsletter, where we will unpack the biggest changes announced by the Chancellor. Matthew Jenkin Which? Money expert TOP STORY When home cover leaves storm victims out in the cold As we brace for more winter storms and floods, our investigation found woolly T&Cs allow insurers to wriggle out of covering damage. We unpick the exclusions catching customers out and hear from victims. Small-print surprises Editor's picks Savings protection is rising next month From December, the Financial Services Compensation Scheme is raising its deposit limit from £85,000 to £120,000. We explain the key changes and what they mean for you if your bank goes bust. How it works The banks topping our 2025 ratings We analysed features, services and accounts, and surveyed nearly 7,000 customers to reveal the firms getting it right – and those falling short. See our six Which? Recommended Providers. Best home for your money Britain's most affordable towns Zoopla's latest figures reveal the towns where buyers get the best value – and the regions where affordability is far more challenging, especially in the south east. Where buyers get better value Best ways to pay for Black Friday shopping More than 12m transactions are expected to be made during the Black Friday sales. We share the safest payment methods to use. Plus, the scams to keep an eye out for. Smart ways to pay Which? Shorts podcast How to save on home insurance Listen time: 11 minutes We reveal which home insurance policies were named as Best Buys in 2025. Plus, we've surveyed thousands of policyholders and reviewed countless documents to find the best providers on the market. Policies and providers compared Ease everyday niggles Tackle life with our experts on your side. Whenever you feel that life's not playing fair, call our legal advice service – we'll show you what to do and how to get results for only £69.30 a year*, usually £99. Offer ends 30 November 2025 Find out more EXPERT TIP How to save on a Euro city break You can't beat a European city break for history, culture and top gastronomy. But the costs can quickly spiral. To slash my expenses, I wait for a flash sale and secure Eurostar tickets for as little as £29. I also book my hotel stay on my phone to take advantage of mobile-only deals. By visiting popular destinations including Paris, Lisbon and Florence on the first Sunday of the month it's possible to make a saving on gallery and museum tickets. Naomi Leach, deputy editor, Which? Travel 12 ways to spend less Other top stories this week Don't get stuck with a below-inflation savings account: the deals paying up to 5% Autumn Budget: rail fares freeze confirmed, but what else could be announced? More over-50s are using equity release to pay down debts – is it right for you? PayPal has launched a debit and credit card with 1% cashback – we take a closer look Over-50s life insurance: 3 things to know before you buy The £27,600 'rule of thumb' for investing – and what you actually need Fraudulent insurance claims are rising – here are 6 legal ways to cut your premium Millions of drivers aren't doing basic winter safety checks. Is your car covered if it breaks down? You need the right footwear for your winter walks. Our picks for the best-value boots and shoes Renters' Rights Act latest: these are the first changes taking effect from May 2026 My money problem 'Can my friend save me from extra council tax? How we solved this problem Explore Which? Money Pensions and retirement Savings and Isas Credit cards and loans Investing Wills and probate Mortgages and property Insurance Tax Banking How useful would you rate the information in this email? Free newsletters for everyone – get expert tips from Which? emailed to you regularly At Which? we're committed to protecting your personal information when you use our services or buy our products. Our privacy policy explains how we use any personal information we collect when you visit our websites. This email uses a 'clear image gif' to track interactions with the email, for example to see whether it has been opened. This helps us understand how useful our emails are, so we can improve them in future. 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