Utility Warehouse, don't seem to offer a fixed rate option ... going through their quote process there is a caveat to the quote, "if our prices change ..." and it's thought that all energy suppliers will hike prices over the next few months.
No, they don't. They used to and may do again in the future but not at present.
You need to explain exactly how you get your reduction with the cash back card - for reasons of clarity. Oh, and if you are an agent for UH, worth mentioning that as well.
The CashBack Card is a prepayment card (electronic wallet) that can be used anywhere in the world. But when used at partner retailers, you receive a % of your spend off your following month's utility bill. And yes, I'm an Independent Authorised Distributor for UW - and have also been a very happy customer for ten years.
When you change supplier your previous supplier is responsible for sending your annual consumption details over to your new supplier. Ideally this should be used to calculate your direct debit, but in reality the process of signing up is where your DD is calculated, and this varies greatly between suppliers. Some will take your KWh figures and use those, but not all of them will. Same with how to calculate the DD throughout the year - good suppliers will review correctly at an appropriate time but not all do.
When switching, your new supplier is obliged to provide a quotation. There are two methods of doing this. Ideally, the quotation will be based on your annual kWh figures gleaned from a recent bill from your current supplier. The problem with this is that the customer doesn’t always have this to hand or their supplier only provides some sort of summary statement that doesn’t provide this information. It can also be a mare to find this annual figure online. This figure is supposed to be provided to the customer on all bills as long as the customer has been with the supplier for a year. The alternative method of providing a quotation, in the absence of the annual kWh, is based upon the size of the property, number of adults, type of heating etc etc. Needless to say, this can be somewhat inaccurate for some households.
The Budget Scheme - enables households to equalise their energy bills over the year. About 90% of the country take advantage of this. Some people moan about energy suppliers taking too much via this scheme - whilst others whinge about not enough being taken and then being lumbered with a catch-up bill. As I explain to members I introduce, the budget scheme is really a tool to help them, not the supplier, but they have a duty to submit the occasional meter reading and to monitor the effectiveness of the budget scheme. Some suppliers provide good information to enable the customer to monitor this. Others don’t.
But that isn't the only reason why I'm sticking with British Gas, it's where I have this payment system where I email them a meter reading every month and then they email me the bill for the exact amount as per according to my readings and then pay it online by Visa. It does sound quite long winded where it all has to be done manually but it only takes five minutes of my time every month and this way I pay them not one penny more or one penny less than I have to. I've been doing it for four years now and I've yet to experience any problems with that. Better than silly guessimate typed direct debits.
You’re in the 10% who prefer to pay according to usage. You can do this with other suppliers. With UW, you would elect to pay according to usage then submit meter readings online on the last day of the month. If you were to submit your readings a week early (due to a holiday for example) then this would be taken into account and an estimate provided for the last day of the month.
Fixed Price Tariffs. This is just my own personal take on this. These can seem very attractive but require close inspection.
Some eight or nine years ago there was a big push towards fixed price tariffs and many of those who gambled were better off - especially those who managed to get four and five year fixes. There was another rush of these tariffs about three years ago and I’m sensing that very few were better off this time around.
Check, very carefully, the tariff including the standing charges which have been known to be somewhat elevated for these deals. Also check the small print, fixed price does not, necessarily, mean fixed for the duration - surprisingly.
My last thought on fixed price tariffs? They are a gamble. You are gambling concerning the future worldwide wholesale price of energy. And who is this bet between - the ‘man in the street’ and, oh yes, big multi-national energy companies. Who is likely to have a better feel for future price movement?
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. There's around 50 high street partner retailers - and around 2000 available online. Much more info about the cashback card is available via the link I gave earlier.