WeSwitch4u is an insurance and energy switching service that is changing the way households manage and maintain their insurance policies and energy contracts. Using a combination of clever software and good old-fashioned hard work we are trying to alleviate some of the stresses associated with running a modern household. We currently offer our service for car insurance and residential energy, but we are looking to expand into other similar products like home insurance soon.
Yes. Unlike other switching firms who only operate in the energy market, WS4U is authorised and regulated by the FCA as we also handle your insurance policies too. WeSwitch4u is the trading name of Bjorswitch Limited, and our authorisation number is 788524.
A price comparison website (PCW) is a passive service, where the customer is required to perform the brunt of the work. Yes they provide a handy platform where customers can compare policies or contracts by price, but the purchasing, and monitoring of that policy (and it’s value) is left up to you. WS4U is the first service in the UK to actively manage your insurance policies and energy contracts, from the search, purchase, continued monitoring of the policy or contract for value purposes, and any switch too.
Unlike a PCW, we earn our income direct from you, which means we don’t suffer from conflicted interests when searching for the best deal. Our fee is clear, reasonable, and contains an innovative social benefit component too.
Yes. As part of our pledge, a stated amount of your subscription fee is given to the charity selected by you within 31 days of your payment being processed and received by us. We rely on our customers spreading the word about us so we can keep advertising costs to a bare minimum, and ensure that more of your subscription fee goes to the causes you choose.
As long as you are over 18, reside in the UK, and give us permission to perform our service for you, or on behalf of the person you are signing up, then we are here to help you. As part of our responsibilities under our FCA permissions, we are required to ensure we can verify who you are, and perform some basic checks on your suitability for our service. We may enlist the help of third party services to perform this check. Please check our terms and conditions page for more info.
Yes. When you sign up to our service and select the beneficiary of your subscription, you also have the opportunity to recommend a charity to add to our ever-growing list. If we receive enough suggestions for the same good cause, we will look to get them formally approved and added to the list for future customers to select. Please don’t let the lack of a preferred option put you off from signing up. Remember that we are setting the foundations for what we hope will be a new way for businesses to operate, one where a social benefit aspect is a necessity, not just a ‘nice touch’. We appreciate your support.
Yes. If you wish to take advantage of our energy auto-service, then you can simply take a picture of your latest energy bill and we will pull the necessary information from it to save you time and hassle. Please download our app and use your mobile device to take a photo using the inbuilt ‘Snap & Send’ feature, or alternatively send your online bill documents, or a photo of them to: firstname.lastname@example.org
When you register and initially sign up to our service, we will search for the best prices for your insurance or energy. Once a saving has been discovered, a WS4U administrator will be in touch to let you know about the saving, and to ask if you would like to use our service. From that point on, the administrator will be your point of contact and will handle all your queries and any problems you might have.
Our switch saving index is a new unique feature we’ve created to help you better understand how good, or bad, your current energy deal is. A value of 50 means you are currently on a deal that offers the same value to the cheapest in the market. Greater than 50 means your current deal is better than what’s available in the market right now, and less than 50 means a cheaper deal exist. The scale isn’t linear which simply means that anything over 30 means you aren’t significantly overpaying, but if it drops below 30 we’ll be in touch with your energy options. We use a variety of factors to calculate our SSI and unlike other switching firms our impartiality means we can compare it against all the other tariffs available giving you a true idea of how good or bad it is. It’s features like this which make us the best option for customers and we’ll continue to improve our offering to give you the best possible service.
We use the following energy consumption values to determine the prices in our Energy Map, these values are guide values provided by Ofgem as indicative of household averages in the UK. All values are in kilowatt hours (kWh). Dual fuel: small (electricity:1900, gas:8000), medium (electricity:3100, gas:12000), large (electricity:4600, gas: 17000); Electricity only: small(2500), medium(4200), large(7100); Gas only: small(8000), medium(12000), large(17000)..
Just as with our insurance service, we are an active energy switching company, meaning we will handle your energy switching and price monitoring for you. We continuously search the market for tariffs to ensure you aren’t overpaying for your energy, and if a saving can be had by switching to an alternative supplier we will perform that for you.
When you sign up to our service, you provide us with enough information for us to check the market for prices. If a cheaper tariff is found, we will contact you to inform you of the projected saving and ask you if you wish to switch. If you agree to the switch we will then instruct that process on your behalf. Note This WILL NOT involve any disruption to your energy supply. A meter reading will be needed so that the new supplier and old supplier can agree on a hand over reading, and the old supplier will bill you for any energy used up to that date or provide a rebate as necessary. The switching process can take up to 4 weeks, and if your account is in significant arrears your current supplier may refuse the switch.
Yes. As opposed to other firms who may only have systems in place to actually switch customers to a handful of the available suppliers in the market, we compare ALL suppliers who make their services and tariffs publicly and freely available. More importantly, we can switch customers to any one of these suppliers. The list is exhaustive and constantly changing as suppliers join and leave the market.
No. We generate our income solely from our subscription fee which means we aren’t incentivised to put you into a tariff just because it pays us a commission. Even when you include our subscription fee the total saving using us often exceeds that of rival services because the tariffs that don’t pay commission are often cheaper than those that do. We only place customers into fixed tariffs as we believe the small saving sometimes offered by variable deals over fixed are outweighed by the risk of an unexpected price hike which can very quickly offset that difference.
Yes. We support your wish to place your custom with 'green' suppliers. You can specify this when you enter your energy information and you can change your preference at any time. Please be aware that only a proportion of gas can be sourced from renewable sources but several providers offer electricity that is from entirely renewable sources. Where a supplier is listed as 100% renewable in our comparison any reference applies to the electricity component of the supply only.
When we switch you to an alternative supplier we will provide you with login details to access your account on the suppliers website. These login details will be hosted in your customer portal for security. The suppliers website will give you access to your energy statements and any other relevant features. We encourage customers to inform us if they change these details as it can impair our ability to offer our service. If you have further questions please speak to your administrator via your secure message room or email us at email@example.com
Our switching service looks to switch you whenever a saving of £50 or more (after exit fees) are available assuming a switch has not been conducted in the 3 months prior. This is because the switching process can take 3-4 weeks, and it doesn’t make much sense from a logistical standpoint to switch more often.
No, we only switch suppliers for consumers. Switching commercial gas and electricity suppliers is possible on other comparison sites.
We can understand why customers might be concerned about their energy firm going bust. Fortunately, they need not worry. In the past few years there have been several cases of energy firms going into administration. Ofgem, the energy regulator has a procedure in place for exactly these types of situations. Given this is now a tried and tested procedure, we are confident customers will be protected in the unfortunate event of their supplier going bust. Ofgem performs a process similar to an auction where the other suppliers are offered an opportunity to bid for the customers of the supplier who has gone bust. The result is that they will often be transferred into a very competitive tariff with no exit fees. At WS4U we will update your details accordingly and switch you into a better tariff if that exists. Any credit you have with your old supplier will be repaid, so you won’t be ‘out of pocket’.
Yes. Smart meters currently come in two forms. Generation 2 (SMETS II) Smart meters have been developed to work with all suppliers, so if you use our service and we switch you from one supplier to another, you will retain all your smart meter functionality. Generation 1 (SMETS I) smart meters do not currently support smart function when you move supplier, but they still retain their meter functionality and this won’t prevent you from benefiting from a better tariff from a different supplier. Generation 2 meters will be the standard issue smart meter from July 2018 according to government information. Our current stance on smart meters is that we don’t feel they are a beneficial device for a number of reasons which you can read about on our blog.
No. We can switch your energy even if you don’t use direct debit as your preferred payment method but we would recommend that you use direct debit as the best deals are normally reserved for this payment method. If you do not keep up with your payments we may run into difficulty switching you as your current provider will have grounds to refuse the switch.
We use the industry standard method of calculating your saving which compares the cost of your energy across two suppliers over a 12-month period. We assume that you remain on your current plan until it’s end date, and then roll onto your suppliers Standard Variable Tariff for the remainder of the 12-months. This is the method as regulated by the Ofgem, the energy regulator. Sometimes your energy may cost you more after you switch than it had over the previous 12-months, this can happen when the deal you were on was particularly good, and energy prices have since risen, but you will still be saving money as you would have transitioned to the expensive Standard Variable Tariff had you not switched.
Yes. We are aware of your current tariff exit fees when we search for alternatives, and factor these into your projected saving. If you switch supplier with less than 50 days left on your current contract, the exit fees do not apply, which is why you might notice a switch alert notification in this window.
No. Whilst we accommodate customers who currently have gas and electricity provided by different providers, we only switch customers into dual fuel tariffs (gas & electricity from the same supplier). This is because suppliers often offer better deals for dual fuel tariffs, and also because the administrative benefits of a dual fuel tariff become apparent when active switching is employed. If you wish to use different suppliers for gas and electricity we can’t help you at this point in time, but we may expand our offering in future. We don’t currently offer a service for gas only switching either.
No problem. Our estimation tool allows you to answer some basic questions about your house type, number of occupants, and a simple lifestyle assumption, to produce a usage value. The benefit of using a service like ours is that whereas estimation tools across sites differ in their methods, we use the usage value to retrieve an ‘apples for apples’ comparison from the entire supplier universe. As the saving calculation will be based on the estimated usage, your supplier may adjust your bills when they have a better idea of your actual usage, and the saving may be lower or higher dependent on whether your actual usage is higher or lower than the estimated value.
No. We will perform this on your behalf, providing the new supplier with all the necessary information. In addition to storing your DD information using bank level encryption, you are also protected by the Direct Debit guarantee so you can be confident we have your financial security in mind.
Don't be alarmed, if you are a Direct Debit customer and we’ve performed a switch on your behalf your old supplier may bill you in the same month your new supplier does too. This can happen when you still owe your old supplier, and they are taking a final payment to settle the account.
No. Whilst economy 7 tariffs can reduce the cost of your energy bills for households who are able to schedule various appliances to operate during the reduce rate times, regular tariffs can be cheaper for those who don’t effectively utilise their economy 7 feature. Providing us with as accurate an economy 7 usage value as possible will allow us to find the best tariff for your needs.
Contrary to what you might think, customer service ratings are not correlated to the size or market share of suppliers. Ofgem provides some basic information on complaints data, and broadly speaking small, and medium sized suppliers have less complaints per 100k customers than those of large suppliers. Whilst we try to keep on top of supplier feedback, and omit suppliers who are failing their customers, poor service can strike anytime, but still remains relatively uncommon. You can find more information on the Ofgem website here.
No. WS4U acts as an insurance broker, assisting you in finding, purchasing and exiting/switching your insurance policies. Your insurance contract is between you and the underlying insurer, and we will communicate to you who that insurer is before a switch takes place. In the event of a claim all communication will be between you and the insurance company, we do not act as a claims management service, or a mediation service.
Given insurance isn’t something people normally associate with switching, and there’s no specified saving calculation set by the regulator, we had to determine what we thought was the most useful and fair way to calculate a saving.
If we don’t have a renewal price, then any saving is calculated as the difference between the rebate you would receive from cancelling your existing policy and the cost pro-rata for the new proposed policy after any cancellation fees have been considered. For example, if you currently pay £1000/yr for car insurance, and we find you a new policy for a price of £500/yr but you’re already 6 months into your existing policy, then we would calculate the saving as £250 assuming there are no exit fees. We think this is fair and transparent, but we’d love to hear from you if you feel there is a better way to do it.
Our service looks to put you in the lowest priced insurance contract that meets your criteria, and as such our software is setup to do this. Before an insurance contract is purchased for you, or before a switch occurs, you will be notified by our account managers to confirm you wish to switch insurer, and that you are happy with the terms of the new policy. The ‘assess your switch’ page will provide you with a summary of the key details of your proposed insurance policy, and you will be asked to accept or reject the switch. If you do not accept the switch we will not proceed without your express authorisation.
Yes. When you sign up we ask you to alert us to any providers you wish to exclude from our service. For customers who have very specific requirements about the providers they wish to use, this service may not be as beneficial for you as it is for those who are purely concerned with price and have an unrestricted mandate on the suppliers and providers they are happy to accept. We permit 2 exclusions as part of our service offering.
In the event of a claim you would contact your insurer as usual, WS4U does not act as a claims management company. The contact details of your insurer in the event of a claim will be on any documentation you receive when you are placed into that policy (such as your policy schedule and your certificate of insurance).
Your WS4U administrator can assist you in changing or cancelling a policy. Sometimes this may involve an adjustment in the price of your policy which will require you to make an additional payment or receive a rebate. In some cases, the insurance company may insist you speak to them directly, however we will try and assist you where we can.
No. Unfortunately at this time our service is not setup to cater for multi-car policies. We are looking to grow our offering to cover multi-car policies in the near future, but for the time being this isn’t available. We look to keep customers informed of when we can update the service with this feature.
No. Our service looks to ensure you are on the best deal, and renewal prices are often inflated in the hope the customer will not switch insurer and accept the higher rate. Customers should be aware that if they are not live WS4U customers when their car insurance policy comes up for renewal, they risk driving uninsured unless they ensure they have found alternative cover themselves (or accepted the renewal price). WS4U does not assume responsibility for the customers requirement to be insured and road legal at all times.
If one year of claim free motoring has elapsed, you will earn one years no claims bonus (NCB) with your insurer. At the end of the year the insurance company will send proof of your cumulative NCB to either us, or directly to you, and this will allow us to search for your following years insurance or allow you to do it yourself. In the event of you being switched into a new insurance policy mid-term, you will lose your entitlement to the no claims discount that has accrued up until that point. Whilst this can have a big impact on a young driver, our research has shown that the benefit of one years NCB on an experienced motorist with an already hefty amount of NCB is marginal, and often a better deal can be had by switching mid-term.
Blackbox, or telematics insurance policies use a small device installed in your car to monitor your driving behaviour and to relay that information to the insurance company to help lower the cost of your insurance. Telematics policies monitor your driving continuously and your premium can change day by day depending on your driving behaviour. This type of insurance can be especially beneficial for young drivers cutting the average premium by as much as 25%. Be aware that charges apply for the installation and removal of the black box device, and these vary from one insurer to the next.
Yes. Our forms allow you to input a range of modifications when entering details about your vehicle. Whilst we make every effort to find you the best deal, if your car has more than one or two modifications you may have more luck using a specialist insurer that deals with modified cars.
No. In some cases certain add-ons like windscreen cover, or breakdown cover may be included with your policy, but our service does not factor these into the comparison. Our ‘assess your switch’ page will make you aware of what is or isn’t included in the policy, but as recently highlighted by the FCA the sale of ‘add-ons’ by insurers often leads to customers purchasing services that are of poor value, or not needed altogether. We would advise customers to purchase any needed add-ons independently of their insurance contract as this is more likely to lead to a satisfactory level of cover.
We believe that in most instances customers will benefit from switching insurance providers every year, however sometimes an insurer may offer a renewal price that we cannot beat. We will leave it up to you to decide whether you feel our price monitoring service is worth the annual subscription fee (should a cheaper policy present itself), or you may wish to take a break from our service for a period of time if you are content with the price your existing insurer has presented to you. We aren't in the business of trying to keep customers on a service we don't think is offering them value, it's just one of the ways we believe we're different to other companies.
The pdf document here lists the car insurance companies we currently include in our comparison analysis. The list may change from time to time as we include and exclude parties as we see fit.
We think transparency is important to our customers, so we like to be truthful about our fee. Our subscription fee is what we charge you to benefit from our energy and insurance switching service for one year from the date the subscription fee is processed. When you subscribe your prices will be continually checked throughout the year (at least once a month), to ensure your current tariff represents great value. If a better tariff/policy is found you will be alerted to the opportunity and asked to accept or reject the proposed switch. If you accept the switch we will perform the work required to switch your insurance or energy provider. Our fee is only charged on the basis we can save you £100 or more, so you will always be £50 better off. If in subsequent years we cannot save you £100 or more you will not be charged for the service. Customers will always be notified of a proposed switch and/or saving and a switch will not be performed without the customers prior approval. We hope you understand the reasons we believe charging this impartial fee is better for you and us, and we are confident you will see the value in what we do at the price we do it. If you still have questions on the fee which haven't been answered on this page please email us at: firstname.lastname@example.org
We only charge you when we have contacted you about a potential switch that can save you £100 or more on either your insurance or energy, or both, and you have agreed to subscribe to our service. This reduces the chances of you being charged without your awareness, which can't be said for some of our competitors. Once a customer admin has been in touch and directed you to the AYS (assess your switch) page, you’ll be asked to accept or reject your switch and then asked for your payment details. We will then debit your card by £50, and if you are taking advantage of our insurance switching, your insurance payment will be deducted with another payment shortly after. This is so we can separate what is paid to us for our service, and what is paid for the underlying product (insurance).
Some energy suppliers offer referral schemes to entice customers to sign up to their tariffs. We take advantage of these schemes by signing customers up through these links to supplement the saving they are already making. We DO NOT switch a customer to a supplier that does not make sense for them purely because another customer will benefit from the referral, we only use these schemes if the supplier makes sense for that customer in the first place. This is an important point. When we state a saving including a referral benefit we are including the 'credit' awarded to the customer by being part of the referral chain. For some suppliers this can benefit can exceed £100, for others it may only be £20. Regardless of the amount we see it as a freebie you should enjoy. Our savings are always calculated including any subscription fee. If you have any further questions feel free to contact your admin who will be happy to assist.
Our subscription fee is an annual charge, so it will cost you £50 to continue to benefit from our price monitoring and auto-switching service for another year. We believe this is a small price to pay for the comfort of knowing you won’t be overpaying or subjected to an extreme price hike by your insurer or energy provider. Whilst the price you pay for energy or insurance may be higher than the previous year, you’ll still be saving money over what you would be paying if you hadn’t spent a while shopping around again trying to avoid the pitfalls of the insurance and energy market. We're committed to offering you a service that has real value, and we continue to develop our service to ensure it remains useful and valuable, because that's more important to us than making vast sums of money.
If you choose to use our energy switching service and wish to take advantage of the best deals, then we encourage customers to select Direct Debit as their preferred payment method. Energy suppliers much prefer customers to have Direct Debit payment plans and reserve the best prices for these tariffs. We store your details securely using bank level encryption methods (just as we do with all your data), and pass them onto the supplier on your behalf when you agree to a switch we’ve found. The Direct Debit guarantee also protects customers from fraud by ensuring that any organisation authorised to accept a Direct Debit instruction is carefully vetted, and you are also protected by your bank or building society too. This means the risk of providing us with your Direct Debit details is very very small indeed, but none the less we treat them with the security measures they deserve.
No. The first step is to register for an account with some basic information like your email, name and address. Then we ask you to provide us with the information we require to search for your insurance or energy deal. Only when we have located a saving (of more than £100), alerted you to what that option is and you have agreed you would like to be switched, will we ask you to login to your account and accept the proposal before submitting your payment information.
If you wish to update your credit or debit card details, you can do so in the customer portal by clicking on the ‘Manage Payments’ tab. If you wish to change your Direct Debit instruction with your energy supplier, you will need to contact them directly and they should be able to assist you.
Our brokering fee is a small charge we add to all insurance policies you purchase through us. It only applies to insurance and is the bare minimum we need to charge to cover various costs associated with brokering that insurance policy, the majority of which are fees charged by our card servicing companies for processing your payment. Feel free to get in touch with us if you would like to know more.