5.2% big-name savings, free wills, Are you a loser?, Martin's 5min fitness test, Ama zon Prime sale, unlimited Sim '£11/mth', fre e TV audience tickets

Free wills for the over-55s! (Cheap wills for younger coming)
Book NOW to get a free solicitor-drafted will, or update an out-of-date will, and help charities too

Over 50% of people in our recent wills poll didn't have a will or had a will that isn't up to date. Many said they'd "just not got round to it" or "didn't know where to start". So as this is an important task, if you pull your finger out, we'll show you how to do it...

Flippancy over. Planning for death is not a pleasant prospect. Yet it's a must-do. Without it, your loved ones, the very people you find it difficult to broach the subject with, may find their lives made more difficult. Die will-less and rather than you choosing what happens to your property, money and savings, it's usually governed by intestacy rules.

Important: Are you cohabiting but not married? People often talk about their 'common law' partner, but that's mostly meaningless in law. If you're not married or in a civil partnership (which are both essentially contracts), even if you've lived together for decades and have 27 kids, your partner's due NOWT of your estate in law without a will - possibly not even your share of any home you bought together. See what happens if you don't have a will.

For a range of other options, including 35% off wills from Which?, see Cheap and free wills.

PS: For many, a Power of Attorney is just as important as a will. This means that if (and only if) you lose your faculties, someone can take over your finances to, for example, help pay for your care.

Ask yourself a question... 'Am I a loser...?'

(Don't worry, we're talking mobile phones. If you're the type of person likely to lose or damage one, consider insurance - you can get it for just £55/year)

Martin is a loser. Don't worry, he admits it - over the years, he's misplaced or damaged keys, wallets and even phones when rushing from one place to another. And this self-knowledge is important. If you've never had so much as a scratch on your mobile since you first got one in 1996, insurance is likely a waste of money (though self-insuring by putting a bit of cash away just in case can be useful). But if you're the losing type, then having insurance in place can add up.

Around two-thirds of people in our Twitter poll don't have any insurance. For a decent chunk of those, that's likely a poor decision. Our Cheap mobile insurance guide has full info, but here are quick options:

Option 1: Cheap standalone insurance £55/yr to £70/yr (only for phones bought in last 3yrs). These policies all cover loss, theft and accidental damage. Prices depend on the handset, so get a few quotes, but they're a fraction of the cost of the mobile phone networks' own policies. Check speed of replacement if that counts for you - some are as quick as two days, but it can be a week or more with these providers. You'll usually pay a £30 to £100 excess per claim.
- Insurance2Go*. Get £10 off its 'full' cover with code 'MSE10'.
- Mobile Phone Insurance Direct*. Pay for 'premium' cover annually to get two months free.
- Switched On*. 'Ultimate' cover, using code 'IPHONE15OFFER' gets 10% off the iPhone 15s.
- Love It Cover It*. 'Premium' can be cheaper for older handsets, say, iPhone 11 or S20. 'SAVE10' gets 10% off.

Option 2: Cover from your phone network can cost up to £186/yr. If every minute without your phone counts, network cover is usually fastest, often delivering a replacement handset the next working day. Prices vary vastly, even within networks, depending on the handset, but typically cover for an iPhone 14 will cost £120 to £186, and excesses here are similar to the standalone cover, generally £30 to £150. See network-by-network insurance.

Option 3: FREE £175 to get £10/mth smartphone, travel & breakdown insurance. While they're called packaged bank accounts, we think of them more as insurance products, as you pay a monthly fee and get lots of insurance thrown in. And currently two of these accounts pay switchers free cash, which more than covers a year's costs. You usually needn't register your phone with these policies, though we'd suggest you do as it can speed up claims.
- Club Lloyds Silver*. FREE £175 to switch. You pay a £10/mth fee (min £2,000/mth must be paid in). The phone cover is for the account holder(s), so couples with a joint account both get covered. You also get Europe family travel insurance and UK AA roadside breakdown cover, plus a reward such as free Disney+. See full Lloyds Silver review.
- Nationwide FlexPlus. FREE £200, but higher £13/mth cost. It covers all the family's smartphones, plus gives worldwide family travel insurance and UK & EU breakdown cover. See full Nationwide FlexPlus review.
- Virgin Money Club M. Our top pick before the others offered free cash. It costs £12.50/mth, covers the family's phones and gadgets, plus gives worldwide family travel insurance and UK breakdown cover. See full Club M review.

Option 4: Phone home insurance. Yes, this is the E.T. option. Most home contents insurance covers handsets lost in a burglary or fire. Some let you pay extra to cover your phone for damage or loss/theft outside the home too. Check the excess on your contents policy - if it's high, you may need to pay for most of the claim yourself. And be aware a phone claim could add a whack to the cost of your home insurance at the next renewal.