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Kate Hughes

Insurance and finance expert

As an award-winning journalist, author and broadcast commentator, Kate has been writing about personal finance for more than 20 years. She’s the former Money Editor for The Independent.

Her work has appeared across the UK broadsheets as well as a number of international titles. Kate brings her financial expertise to inform her readers on ways to save money.

She’s also written a book. ‘Going Zero: One Family’s Journey to Zero Waste and a Greener Lifestyle’ is available now.

Kate’s experience

Kate at The Independent

During her first spell at the publication as Deputy Money Editor, Kate covered financial affairs at the time of the 2008 ‘credit crunch’.

Returning to the Independent in 2015 as Money Editor, Kate’s led their financial coverage through Brexit, the coronavirus pandemic and the cost-of-living crisis.

Since 2020, she’s also written a regular sustainability column.

Kate as a bestselling author

In 2022 Kate published her book: ‘Going Zero’. It documents her family’s journey to achieving zero waste and living a greener lifestyle. The only thing thrown out was the bin…

Kate at Financial Times Business

Beginning as a Features Writer, Kate quickly became the Deputy Features Editor during her three years at Financial Times Business. Kate used her extensive knowledge in personal finance to discuss and report on money topics for a famously well-informed audience.

Kate Hughes commenting on...

How to cut the cost of being single for everything, including car insurance

”If you're not married and want to cut the cost of your insurance, consider adding a friend or flatmate who is a low-risk named driver – typically someone who is older, more experienced and free of recent claims or convictions – to your car insurance policy.

However, resist the temptation to say the low-risk motorist is the main driver as this is known as “fronting” and is against the law.”

Read more

Will an electric vehicle break the bank or save a fortune?

”There’s often an assumption that it is more expensive to own and insure an EV than conventionally powered petrol or diesel cars.

It’s true that the upfront purchase price of a new electric model can often be higher – and the bigger the battery and range, typically the more expensive the car.

In the long term, however, electric vehicles can work out cheaper as they have lower fuel and maintenance bills.”

Read more

Loopholes that could mean your insurer won’t pay out

”Finding out that your insurance has been invalidated could be a disaster if you need to make a claim. That's why it's important to provide the right information and keep following the rules carefully.
Anyone can make an honest mistake, but the law holds that if you

“deliberately or carelessly withhold information or mislead your insurers”, they can hold that your policy is invalid.

Here are ten ways that you could be invalidating your insurance without even knowing it.”

Read more

Kate Hughes elsewhere on the web...

Would your savings survive a 100-year life?

The Independent

”As government and employer-sponsored retirement plans around the world come under strain, individuals have found themselves increasingly responsible for their retirement savings.

But those savings aren’t accelerating fast enough to make up for the deterioration of traditional retirement plans, the heavyweight not-for-profit group warned.”

Cost of living crisis: How families are being hit hardest with 13% inflation

The Independent

”Families with children are grappling with price rises of £400 a month for basic items including food, rent and heating, experts have warned, as social security rates fall to a 40-year low. New research from the poverty charity the Joseph Rowntree Foundation (JRF) and Loughborough University shows inflation being felt soonest and hardest by those on the lowest incomes, who spend a higher proportion of their incomes on essential items.”

Two-thirds of first time buyers have had mortgage application rejected

Yahoo! Finance

“First-time buyers are being warned to brace themselves for rejection following reports that 65 per cent of housing hopefuls have been unsuccessful in securing a mortgage.

Data seen exclusively by The Independent shows only a third of first-time buyers were able to get a mortgage on their first attempt, down significantly from almost half pre-Covid 19.”

Kate Hughes in the press...

Book extract: Meet the zero-waste family who threw away nothing — except their bin.

The Times

“It started one afternoon in our small Somerset garden. Five years ago I stepped off the kids’ trampoline onto a large outdoor beanbag. The once sturdy canvas gave way with a satisfying rip. For a moment, while the family giggled helpfully, the tiny polystyrene balls swirled and eddied around my leg. Within seconds they started to whisper and whirl around, settling on plants, pots, the children’s hair, before scuttling across the gravel, over the wall, into the drain.”

Are packaged bank accounts worth paying for?

“Before you opt for a packaged bank account, "think long and hard", says Kate Hughes in The Independent. "Question whether the fees are affordable, if you'd use the benefits and check for any cover or benefits you already have that do the same job."

Articles by Kate Hughes

View all

How to cut the cost of being single for everything, including car insurance

Slimming clubs: bad for your bank balance and do they even work?

T’is the season to gift smart devices: how to protect relatives while they go digital

Loopholes that could mean your insurer won’t pay out

Can you afford to go vegan?

Heat pumps: The true costs of more sustainable home heating

Will an electric vehicle break the bank or save a fortune?

How to teach your kids to be ethical consumers

90-Day Travel Insurance

Travel Insurance For Pregnant Women

Does travel insurance cover a death in the family?

Compare couples travel insurance

Is Baggage Cover Worth It?

Cycling Travel Insurance

Travel Insurance After a Stroke

Your ultimate holiday checklist

Compare Travel Insurance For Under-18s

Travel Insurance for Over 80s

UK Travel Insurance For Staycations

Student travel insurance

Compare Over-50s Travel Insurance

The 10 Most Common Rental-Car Charges And How To Avoid Them

A Guide To Travelling With Your Baby For The First Time

Worldwide Travel Insurance Policy

Compare Long Stay Travel Insurance

Things travel insurance will cover you for… and things it won’t

Do You Really Need Travel Insurance?

Compare travel insurance for Asia

Compare Holiday Cancellation Insurance

Compare Travel Insurance For The Philippines

Compare France Travel Insurance

Compare Travel Insurance for Europe

Annual vs. Single Trip Travel Insurance

Compare Travel Insurance For Ireland

Compare travel insurance for Greece

Compare South America travel insurance

Compare Over 70s Travel Insurance

Does My Home Insurance Cover Japanese Knotweed?

Will a non-fault accident affect my insurance?

How to buy New, Used or Extended Warranty

Can you tax a car without insurance?

How to Cancel Car Insurance

What Is An Uninsured Driver Promise?

20 Top Tips on how to get Cheaper Car Insurance

Compare Classic Car Insurance Quotes

Compare Sports Car Insurance

No Deposit Car Insurance

Learner Driver and Provisional Licence Insurance

Driving Abroad - A Simple Guide

Family car insurance - Your complete guide

How To Buy Your First Car

Car insurance fronting

Gap Insurance

Can I Check My Car Insurance Claim History?

How can I reduce the cost of insuring my imported car?

New for Old Car Insurance

No claims discount explained

Personal Accident Cover

How to get proof of your no-claims bonus

Replacing Lost Car Keys Through Your Insurer

Car Insurance With Breakdown Cover

Will my car insurance go up after an accident?

Why is my car insurance so expensive?

When did I pass my driving test?

Updating your car insurance and driving licence

Types of Car Insurance explained

Can You Have Two Car Insurance Policies On One Car?

Transferring Your Car Insurance

Am I Insured To Drive Any Car?

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