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Florence Codjoe

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Florence Codjoe

Content Editor - Mortgages, Finance and Car Insurance

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.

Guide - Top tips for getting the most from your cash ISA

Best Fixed Rate Bonds - Fixed Rate Savings

Find the best fixed rate bonds for 2022 that offer a high interest rate to make your money work harder and earn more interest.

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.

Bad Credit Mobile Phones - Contract Phones for Bad Credit

Are you looking for a contract mobile phone but have bad credit? Read our guide on how you can get a mobile phone contract even if you have had difficulties with bad credit in the past.

Credit check quiz

Credit check quiz | Check my credit rating

Is your credit history spotless or does it bear a few black marks? Take our credit check quiz to find out what sort of credit rating you have.

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.

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.

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.

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.

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?

Low cost loans

Find great low cost loans for you. Learn what to consider when choosing a low rate loan and how to apply.

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.

Current Accounts - Business bank accounts

Find out whether you need a business bank account and how a business bank account works. Compare business current account deals from a range of providers and see how a business bank account can help you run your business better.

Current Accounts - Business bank accounts

Find out whether you need a business bank account and how a business bank account works. Compare business current account deals from a range of providers and see how a business bank account can help you run your business better.

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.

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.

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.

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.

Online Banking Explained

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.

Finding the best loans online

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.

Guide to credit cards for the unemployed

Top savings accounts & ISAs: The Uswitch guide

What is the top savings account? We help you find the best instant access savings accounts, best regular savings accounts & the best online savings accounts

Credit card fraud: the biggest card frauds in history

How to pay off credit card debt

A step-by-step approach to pay back credit card debt, rebuild your credit score and regain your financial health.

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.

Student loans and finance - how to pay for a degree

Best savings account: find the best saving rates with Uswitch

Looking for the best savings account? Find out how to pick the best savings account and compare savings accounts to find the best one for you with Uswitch.

10 steps to choosing the best investment

Best investments - 10 steps to investing money

Find out how to choose the best investment in 2021. Find an investment that helps you save and invest for the future.

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.

Finding the cheapest interest rate for loans

Find a Cheap Loan - Get a Cheap Loan Comparison Now

Need a low interest loan? Read the Uswitch guide on how to find and choose cheap loans. Compare low APR personal loans from £1,000 to £35,000

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

Should you pay annually or monthly for your home insurance? coin purse

Cash ISAs for over 60s

Discover the best Cash ISA for Over 60s and find out how to choose the best ISA for your needs. Learn about the ISA rules and how they can help you save for the future.

Biggest mortgage lenders in the uk. Building with 'bank' written on the facade in gold lettering

Premium bank accounts

Find out about packaged bank accounts and premium current accounts and whether they're really worth paying a monthly fee.

Finding the best loans online

Online Loans | How to Find the Best Loans Online

Find out the best loans online to suit your needs. Save money now, compare loans online and apply for the right one for you.

Sunset at a street of terraced houses with cars parked in resident bay around West Hampstead in London

What the Budget means for your pocket

What issues did the Chancellor try to tackle in the 2021 March Budget and what does it mean for your wallet? We look at what the government has announced and how it will affect people's pockets.

How to buy cheap unemployment insurance

Find out how unemployment insurance can help you if you were to lose your job and discover out how income protection works.

How to compare the loan market for the best Uswitch deals

Our best Loans - Compare Loan Market For The Best Uswitch Loan Deals

Find the best loans to suit your needs, by running a comparison based on how much you want to borrow, for how long, and how much you can afford, to get the best loan rates.

When should I start saving into a pension?

Retirement planning: how to plan for retirement

Retirement planning is vital, but it can be complicated - find out more with Uswitch's simple guide to pensions and saving for retirement.

Insuring your home with smart technology

Smart home gadgets are gaining popularity — from home assistants such as Google Home and Amazon Echo to smart thermostats and even light bulbs.

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

10 tips for getting out of debt

Getting into unsustainable debt is frighteningly easy - a few months of irresponsible spending can land you with a debt that could take years to pay back.

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

How to use a credit card abroad

While convenient, using your credit card overseas can quickly lead to fees which can make your trip abroad more expensive. These tips can keep costs down.

Credit card glossary A-Z

First Credit Card: How to use it wisely

Getting your first credit card is an important step towards financial adulthood, but remember with great purchasing power comes great responsibility.

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

Investment glossary | The meaning of investment terms

Use our investment glossary to find out the meanings of key investment terms and make investing a little less confusing.

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.

hand stacking coins

Best cash ISA transfer: find what you need to transfer your ISA

The best cash ISA transfer is simple, but you have to do it right. Uswitch explain how to transfer your ISA and the benefits of switching your ISA could be.

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.

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

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.

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.

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?

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.