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Florence Codjoe

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Florence Codjoe

Content Editor

About the Author

Florence writes and edits personal finance content for Uswitch, including mortgages, credit cards, current accounts, ISAs and various types of insurance.

Florence is also a car insurance spokesperson for Uswitch to help motorists drive safely on the roads year-round, and ensures they are properly protected in the event of anything going wrong at home, or abroad. She stays up to date with changes in the car insurance industry, especially complex regulatory updates, always advocating for the consumer.

She has been quoted in numerous publications including The Mirror, Express and Sky News.

Choosing the best savings account for you

Opening a savings account is a great way to earn interest on the money you’re saving. If you're looking for the best savings account compare the best savings accounts for you, with Uswitch.

Student bank accounts

How to Choose the Best Student Bank Account for your needs

Whether you're studying full-time for a degree, a degree-equivalent or a postgraduate course, compare the benefits of a student bank account, and find the best student account for you with Uswitch.

Flexible insurance for beauticians, therapists and hairdressers

Flexible insurance for beauticians, therapists and hairdressers including public liability, employers’ liability, business contents cover and more. Get your quote now.

Loans for young people

Loans for Young People - Different Type of Loans

Whether you need extra financing for your studies or trip abroad, getting a loan when you're younger can be difficult. Our guide explains ways to borrow loans for young people.

Check your eligibility for credit cards and credit reports, cash coin purse

Interest Free Short Term Loans

An interest free loan, based on short term commitment can only really be taken out in the form of a credit card. If used correctly, it can be a useful way of borrowing money at no extra cost.

Student loans and finance - how to pay for a degree

Student loans and finance - how to pay for a degree

A student loan is a loan given to help fund university study and higher education. If you're studying in the UK, there are a number of different loans available, both private student loans and government backed companies.

What's the cheapest way to borrow money?

What's the cheapest way to borrow money?

Take a look at what are typically the cheapest ways to borrow money, and see if you can save next time you want to get a loan or credit card.

What happens if I can't repay my loan?

What Happens if I Can't Repay My Loan?

Taking out a loan is a big commitment, which can have a great impact on your finances and credit score. In this guide we explore, what happens if you don't pay your loan.

Woman on phone in a taxi

Best cars for UK taxi drivers and US cab drivers

Comparing price, legroom, tax, fuel economy and emissions, Uswitch analysed the most common private hire vehicles to find the best cars for taxi drivers.

Young woman on laptop

Early Repayment Charges and Repayment Penalties

What are early repayment charges and early repayment penalties and how do they affect which loan you choose? Uswitch.com explains what to watch out for.

Check your eligibility for credit cards and credit reports, cash coin purse

Corporate bond investment options and gilts explained

What are corporate bonds and gilts, should you be investing? Get the facts on corporate bonds and gilts from Uswitch.

Investments and tax

Investments and tax - Income tax brackets and tax rules

Both income and capital gains from investments may be subject to tax, but the tax rules can be complicated. Uswitch explains how tax affects investments.

Make money with your credit cards

Stoozing - make money with your credit cards

Stoozing is a term for savvy use of credit cards to make money from interest rates, but how does it work?

Do I need pet insurance?

Home insurance - Do I need pet insurance?

Pet insurance can give you peace of mind and protection for your pet against unexpected vet bills, illness or accidents. Compare pet insurance policies to find out what works for your family. Our guide also looks at any alternatives that might be available.

High Net Worth Insurance - Get a High Value Home Insurance Quote

High value insurance is designed to provide insurance to those who have valuable possessions or homes that require specialist policies.

The Most Popular UK Road Trips, According To Google

The Most Popular UK Road Trips, According To Google

Your 2020 summer abroad not quite go to plan? Same. Here's where the UK is road tripping to instead, according to destination searches on Google

The Ultimate Road Trip Snacks - kids in boot

The Ultimate Road Trip Snacks

Uswitch have collated a list of the ultimate road trip snacks to enjoy during long drives, starting at Lower tier snacks all the way through to God-tier snacks.

Six unexpected ways to cut the cost of your car insurance

6 Ways to Cut the Cost of your Car Insurance

In a bid to help motorists get the best deal, our car insurance expert has rounded up some top tips to help cut the cost of your car insurance premiums

Business Credit Cards - Get the Right Company Card

Business credit cards could be an invaluable asset to your company - find out more about company credit cards with Uswitch.

Compare Caravan Insurance

If you’re planning on purchasing a caravan, or going on a staycation, it’s worthwhile comparing caravan insurance for appropriate cover to give you that piece of mind in the event of an accident or theft.

Subsidence Insurance - Covers for Subsidence properties

Subsidence affects the structure of a property, by shifting the building downwards as a result of changes to the ground. Compare specialist home insurance and non-standard home insurance to get subsidence quotes, and find out ways to prevent too much damage if it were to occur.

Over 80% of drivers don’t know when to stop for pedestrians on a zebra crossing

We surveyed UK drivers on the rules for pedestrian, cyclist, and equestrian crossings to find out how much they know about road safety.

Car crazy Christmas - gift guide 2020

A £4,952 Porsche office chair or a £5,465 set of Bentley vases - here are 12 of the most unusual car branded Christmas gifts on the market.

Choosing the right secured loan for you

Choosing a secure loan with Uswitch.com

Finding cheap loans, whether they are personal or secured loans in the UK is easy with Uswitch. Compare all lenders rates, terms and monthly repayments.

Electric car being charged

Answering the most Googled electric vehicle questions of 2020

We explored the most popular questions on electric vehicles in the last 12 months and teamed with Uswitch car insurance expert, Florence Codjoe, to answer them.

Meta image - Roundabout

The UK's Most Dangerous Roads Revealed

Using data from the Department for Transport, we uncover the most dangerous, and safest, roads in the UK

Should you pay annually or monthly for your home insurance?

Home insurance annual vs monthly payments

Should you pay annually or monthly for your home insurance? Discover which payment method could work out to be the most cost-effective for you

Home insurance claims for burglaries using keys

Home insurance claims for burglaries using keys

Will your insurance cover you if you are burgled using keys? Read our guide to find out how to protect your home from key burglaries and see if you can make a claim.

Scraping the windshield

9 Winter Driving Myths, Debunked

Can you drive in wellies? To help drivers stay safe on the roads, we've debunked the top 10 winter driving myths to set the record straight.

Pedestrian getting splashed by a puddle

One in three drivers admit to splashing pedestrians with puddles

A new survey from Uswitch reveals that one in three drivers risk a fine of up to £5,000 after admitting to soaking someone walking by

Bridge in New York

In pictures: 6 amazing bridges that were never built

See how bridges would have looked in these amazing 3D renders. What if your city had built one of these?

Credit card cash advanced withdrawals

Credit Card Advance Cash Withdrawals - The Costs

Find out about the cost of withdrawing cash using a credit card as well as the best alternatives to credit card cash withdrawals.

Timber framed house insurance

Timber frame house insurance

If your house is made from timber, you may wish to speak to a non-standard home insurance provider to get a quote specific to your requirements.

Home insurance claims

Home insurance claims - Know what to do with Uswitch.com

Find out how to make a claim on your home insurance and the things you need to have to hand before you do.

Online Banking Explained

Online Banking Explained - How To Stay Safe Online

Understand how online banking works, and how to keep safe and secure whilst accessing your accounts.

Guarantor loans

Guarantor loans

If you have a bad credit score getting a loan can be difficult, especially getting one with competitive rates, this where a guarantor loan could help.

Parking in the UK

The UK's biggest residential parking wars, revealed

We reveal how many Brits know their rights to residential parking, and which cities are fuelled with rage.

Debt consolidation loans

Debt consolidation loans - How do they work?

Debt consolidation loans might sound like a great idea to ease a financial burden, but are they a wise choice for you? We reveal all.

Wedding organiser has gone bust. What are my rights?

Wedding Organiser Has Gone Bust. What Are My Rights?

Credit cards offer great protection especially when making big purchases concerning events like weddings. Find out how best to use yours to protect your special day and what to do if your wedding organiser goes bust.

What is a credit card?

What is a credit card?

Similar to a loan, a credit card provides you with an amount of credit agreed by you and your bank, for you to spend. Read our guide to learn how a credit card differs from a loan, and how to responsibly use one.

The Spring Statement And The Autumn Budget

The Spring Statement And The Autumn Budget

There are two economic statements, usually made every year - the Spring Statement and the Autumn Budget. Both offer an opportunity for the Government to outline their plans for the economy, as well as the Government’s plans for changes to tax.

What is PPI? Can you still make a claim?

What is PPI? PPI, or payment protection insurance, became one of the most notorious financial products in recent years due to the PPI miss-selling scandal.

Green driving image

How to be a greener driver and save money on fuel

We've rounded up some top tips that will not only help you become a greener driver, but potentially save you a ton of money on fuel, too.

Life insurance for diabetics

Life Insurance for Diabetics - Everything You Should Know

How easy is it to get life insurance for diabetics type 2? This guide explains how having diabetes can affect the ability to get life insurance, as well as the cost of it, and what you can do to minimise the impact.

Wardrobe cover: insuring your clothes

Wardrobe cover: insuring your clothes

Even if you don't own much designer gear, the cost of your clothes can add up. Could you afford to replace them all? Read our guide to wardrobe and clothing insurance.

Charge cards close up

Charge Cards UK | Find The Best Charge Credit Cards | Uswitch

Charge cards allow you to pay for goods and services on credit, as long as you pay off your balance in full at the end of every month.

Putting your life insurance in trust

Putting your life insurance in trust

If you're considering taking out a life insurance policy, your loved ones are more likely to benefit from it if it's 'written in trust'. Find out what putting life insurance in trust means for your beneficiaries.

Compare life insurance for over 60s

Compare life insurance for over 60s

Aged over 60 and looking for affordable life insurance policy? Read our guide and learn how to get the right level of cover at the right price, for life insurance over 60.

Finding life insurance with no medical

Finding life insurance with no medical

Can you get life insurance with no medical? Read our guide to find out whether you fit the requirements, then get a quote for no medical life insurance.

Guide to credit cards for the unemployed

Loans for unemployed people

Are loans for unemployed people available? Yes, but it's more difficult and potentially much more expensive and therefore more risky. Find out how to get one, and why they pose a risk.

Life insurance tax | Is it taxable?

Life insurance tax | Is life insurance taxable?

Are life insurance payouts taxable? Our guide to life insurance tax outlines how to get tax free life insurance and compare quotes.

Shed and garage insurance

Shed and garage insurance

Are the contents of your shed or garage covered under your home insurance policy? Read our guide to find out how to protect and insure your outbuildings, with shed and garage contents insurance.

Insuring your bike on your home insurance

Insuring your bike on your home insurance

Do you need bicycle insurance? Find out how to insure your bicycle on your home contents insurance.

Contents insurance for renters

Tenants Insurance for Rented Property

Compare tenants insurance for people renting a home. Read our guide to find out how you can benefit from renters insurance.

Auto Tunes: Which car brands feature the most in music videos?

Uswitch have identified the car make that appears most in music videos from around the world.

Debt advice companies and charities

Free debt advice companies and charities

Check our list of organisations, including debt charities in the UK, companies and government bodies that can help you take control of your debt.

Chef cooking with a bottle of wine

Can food with alcohol in it put you over the limit?

Will the liqueur in your tiramisu or the red wine in your coq au vin push you over the drink-drive limit?

How to improve your credit rating and credit score

How to improve your credit score and credit history

Whether you're looking for a credit card, loan, or even a mobile phone deal, your credit score is important - find out whether phone contracts improve credit score, how to improve credit ratings.

Check your eligibility for credit cards and credit reports, cash coin purse

Basic bank accounts - find out about basic bank accounts

Basic bank accounts tend to be used by people without access to standard bank current accounts - find out more about the basic current account advantages and disadvantages.

What does travel insurance really cover?

No Foreign Transaction Fee Credit Cards - Travel Money

What are the best credit cards with no foreign transaction fees? Find out how to get a 'perfect' exchange rate when spending abroad.

How many credit cards can you have?

How Many Credit Cards Should You Have?

If you are trying to manage your finances and utilise available credit, you might be wondering "how many credit cards should I have?" Our guide explains the pros and cons of owning multiple credit cards.

How To Teach A Teenager About Credit Cards

How To Teach A Teenager About Credit Cards

Learning how to use a credit card as a teenager can be a useful skill – but there are important points to bear in mind to make sure that you don't end up in debt.

Guide on Experian Credit Report

Experian Credit Report - Get your Experian report

If you're looking to borrow money the chances are you will have been asked whether they could check your Experian Credit Report. Learn more about credit ratings and how to get your Experian Credit Report.

Bad credit rating - How to improve credit rating

How to dispute your credit report

Have you checked your credit rating and found incorrect information on credit report? Read our guide to learn how to dispute your credit report, and prevent errors from damaging your credit score.

Self build mortgages

Self build mortgages

Self build mortgages can give you the financing you need to make that dream home a reality.

Brits have their say on the UK’s driving age limit

Brits have their say on the UK driving age limit

With theory test pass rates plummeting in recent years, Uswitch surveyed 1,000 Brits to find out how they feel about driving age limits and if they should be changed.

Apple Pay – Contactless payment with your iPhone

Apple Pay – Contactless payment with your iPhone

Apple's version of contactless payment, ‘Apple Pay’ is a convenient way of paying with your iPhone. We explain how it works and what to be aware of.

Loan interest rates - how to get low interest loans

Loan rates - how to get low interest loans

If you want to find good low interest loan rates, then you will need to shop around to find one that best fits your needs, Uswitch explains how.

Phone and card machine

Contactless payment cards - what is contactless payment?

Contactless payment was designed to be a quicker card payment method for small purchases than chip and PIN payments or swiping and signing. Read on to learn how to use a contactless card for the first time.

New for old or contents indemnity cover

New for old or contents indemnity cover?

New for old insurance policies are designed to replace your stolen or damaged home contents, with new equivalent items, even for your older possessions.

Contactless payment card, with hand holding credit card ready to pay at cafe coffee shop

Premium credit cards

Having a premium card can be a powerful status symbol, coming with extensive benefits for cardholders to enjoy. We explore whether it's worth getting a premium credit card if you're eligible.

Guide to buildings and contents insurance cover

Building and Contents Insurance Quotes

Compare cheap building and contents insurance quotes to see if you could save on your premium. Learn how to make buildings insurance cheaper.

How the surge in summer caravan sales could impact safety on the roads

How the surge in summer caravan sales could impact safety on the roads

With growing sales and rentals of caravans and motorhomes, Uswitch explored motorist road safety knowledge and how they feel about heading out on the open road.

Listed building insurance

Home Insurance for Thatched Property

Affordable home insurance can be hard to come by for houses with thatched roofs. Read our guide and learn more about how to find thatched house insurance.

Pet damage home insurance

Pet damage home insurance

Is your home covered for damage caused by pets? Our guide explains what is included under accidental damage and can help you find the right home insurance.

Colour Palettes of The World's Most Famous Road Trips

Colour Palettes of The World's Most Famous Road Trips

Fasten your seat belt and turn up the radio. Here are the beautiful colour palettes of the world's most famous road trips.

Does your car insurance cover the UK’s unpredictable weather?

Does your car insurance cover the UK’s unpredictable weather?

With the unpredictable UK weather, it's important to know what your car insurance covers. So Uswitch has looked at how varying conditions can affect your premiums, and how to prevent being caught out by your insurance provider.

Zopa - make money with social lending

Zopa social lending - Is it suitable for you?

A return of 8.1% on your investment might sound too good to be true, but with social lending sites like Zopa it's possible. Find out how Zopa and social lending works.

Section 75 - What is credit card protection?

Section 75 - What is credit card protection?

Using a credit card can offers great benefits. A key perk of owning a credit card is the protection you're given with Section 75.

Insuring your home with smart technology

New Build Home Insurance - Compare Quotes

Compare new build home insurance. Learn if you need to take out a new build house insurance on your property or if you are covered by the builder's warranty.

Holiday checklist for your finances

This is a holiday checklist with in a difference; instead of telling you what to put in your suitcase, it tells you what you need in your wallet.

10 strange travel insurance claims

10 strange travel insurance claims to make you laugh

These 10 strange and funny real-life travel insurance claims will make you laugh. They'll help you see exactly why you need travel insurance too.

What is home insurance?

Home insurance will cover you if something happens to your home or its contents. Do you know what to include in your cover, or how much cover you even require? Read our guide to find out more.

Flying Cars: Will They Stick the Landing?

Flying Cars: Will They Stick the Landing?

The car insurance experts at Uswitch.com have investigated the flying car market, to find out when we’re likely to be ditching roads for aerial alternatives and how much they are likely to cost.

Working from home insurance

Working from home insurance

Does your regular home insurance cover you for working from home? Read our guide and find out whether you need to consider working from home insurance.

Lifetime ISA - what are the benefits?

Find out how to take advantage of the government's Lifetime ISA designed to help you save for your first home.

What does the base rate cut mean for your finances?

What does the base rate cut mean for your finances?

The Bank of England cut interest rates to 0.10% in March 2020. The lowest rate it's ever been. This could mean cheaper mortgage payments but much lower returns on savings.

Safest Cars to Buy | Safest Small Cars UK 2020

Safety is one of the most important considerations for many people. We've rounded up a list of the safest new cars you can buy in the UK in 2020.