How to Get a UK National Insurance Number

Posted by on Oct 2, 2016 in Uncategorized |

The National Insurance Number system was first introduced in 1911 as part of the National Insurance Act and is now needed to work in the UK. A National Insurance Number is used to make sure that every employed adult in the UK contributes to welfare, healthcare, and the state pension and tracks their contributions.

It sounds a little complicated at first but really it’s quite simple. Just read through our guide to what a National Insurance number is and how you can get one.

What is a National Insurance Number?

A National Insurance Number, also sometimes called an NI number or just NINO is a unique code that every UK citizen receives when they become eligible to make contributions. UK residents are automatically given a National Insurance number just before they turn 16 and your NI Number never changes even if you get married, change your name, or even move abroad.

Your National Insurance Number is used to track your National Insurance contributions and tax payments across every job you have for your entire life. It is also your key to NSH services, benefits, and being able to register to vote in the UK.

When You Need a National Insurance Number

You can apply for our National Insurance number when you live in the UK and have a postal address and phone number. Services including NI Apply can take the stress of applying an ensure the process goes through error free.  You can begin working even without your National Insurance number as long as you have (or plan to) apply for one.

This situation is more common than you think and in this situation you are provided with a temporary National Insurance Number you can use until your permanent one arrives in the post.

Who Needs a National Insurance Number

Everyone who is aged over 16 and is employed or self-employed in the UK needs a National Insurance number. When you begin to earn a certain amount of money you are able to pay taxes and National Insurance contributions.

For the tax year of 2015/2016 this threshold is £155 per week to pay National Insurance contributions and your contributions will be equal to 12% of your income.

Process for European Citizens

One of the biggest problems with applying for a National Insurance number is that you can only do so by calling the Jobcentre Plus – National Insurance number allocation service. You can reach them between 8AM and 6PM Monday – Friday by contacting 0345 600 0643.

You can expect to be asked some questions about your residential and employment status and you will arrange an appointment at your local Job Centre Plus. You’ll also receive a confirmation letter and text. There are some documents you need to take to this appointment including:

  • Your passport/ID Card
  • Residence permit
  • Birth/adoption certificate
  • Marriage/civil partnership certificate
  • Driving licence
  • Work Contract
  • Proof of employment/studies
  • Proof of address such as your rental agreement, a letter, or a bill

During this interview you will be asked why you need an NI number and, should everything go well, you’ll be asked to fill out a few more forms before receiving your National Insurance number within 3 weeks.

Process for Non-European Citizens

The good news is that the process for non-European citizens is the same as for European citizens but you will need the right to work or study in the UK to receive your NI Number.

If you come from a country where the UK holds a bilateral agreement on social security (and you have a certificate to prove it) then you will need a National Insurance number and will not pay National Insurance. This list of countries includes; Barbados, Bermuda, Bosnia and Herzegovina, Canada, the Isle of Man, Israel, Jamaica, Japan, Jersey, Guernsey, Republic of Korea, Macedonia, Mauritius, Montenegro, Philippines, Serbia, Turkey and the USA.

What to do if you Lose your National Insurance Number

Should you happen to lose your National Insurance card you can still find out your number on our tax return, payslips or P60 if you used it to work. If not then you can contact the National Insurance helpline and answer some questions or fill out the CA5403 form on the government website and send it into the National Insurance Office. Either way you will receive written confirmation of your number in the mail as HM Revenue and Customs are not legally allowed to disclose your National Insurance number over the phone. The National Insurance Helpline number is 0300 200 3502.

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101 Finances – How To Handle Loans And Credits

Posted by on Apr 13, 2016 in Credit, Finance, Finance Tips, Loan |

Handling loans and credit is not something we are taught at schools, however, it has definitely become essential everyday knowledge, that a lot of people seem to lack. However, you should not be discouraged by this fact, and try to learn more about loans and credits. I know way too many people who got themselves in financial problems because they did not know enough about loans and credits at the time when they were getting it. Therefore, it’s really in your best interest to learn more about loans and credits before you go to the bank.

What Is Credit?

A lot of people who are new to all this are not entirely sure how to define certain terms that seem to be thrown around a lot. Let’s take credit for example. To explain it in the simplest way, credit is the reputation you have as a potential loan user or borrower in a bank. In other words, your bank doesn’t want to invest in someone who will clearly not return the investment, they therefore avoid credit users who have poor credit reputation.

What Do Banks Use Credit For?

As it has been previously mentioned, a bank will look at your credit reputation in order to make sure that you will return the investment. You are credit reputation provide your potential bank with sufficient information they need in order to make the decision on whether or not they should borrow you their money. If the bank determines that you are a reliable future client who is the best opportunity for them to invest their finances, they will certainly approve your loan. Similarly, if the bank decides that you are not a reliable client, they will refuse your loan.

Your History Of Finances

In what to make this decision, the bank has to accumulate sufficient information about you and your finances. Mainly, the bank will look at your history of taking loans or borrowing money, and this will govern the decision. In other words, you should work hard to sustain a positive history of your loans and finances in order to be able to achieve positive history of finances. This will show your next bank, that you are a potential client who is good for the business, and ultimately it means that you will get your loan.

Credit Reputation

From what has been said so far, you can realize that credit reputation is not something you should take lightly, and it is definitely something you should work on regularly and constantly throughout your life. If you are responsible when your money and you make good investments, you will ultimately achieve great credit reputation. If you are not good with finances and money matters, perhaps you should start changing your habits before it’s too late. On the other hand, accumulating that credit will definitely resonate with your potential lenders, who will disregard you as a potential client precisely because of your bad credit – even if it is a thing of the past. Remember, only you can change your credit history and create an amazing credit reputation, but you have to be responsible with your payments and your investments!

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Useful Tips In Lowering Your Electric Bills

Posted by on Feb 25, 2016 in Finance Tips |

When it comes to your electricity bills, it is very heart breaking to know that a significant portion of your income will be spent on it. However, paying for your bills is always a responsibility which comes along the benefits of using the different services to meet your needs. And no matter how long you stare at your electric meter, you know for a fact that it is very hard to lower the energy consumption without sacrificing the comfort you enjoy due to electricity. Nonetheless, it is not impossible to lower your electric bills without sacrificing too much of the comfort. Visit Powertek ( to find out more. Here are useful tips in lowering your electric bills.main_Saving_energy_1298648366

Determine your power consumption – Instead of accepting the monthly reading of your energy consumption, it is useful to determine how exactly you are using electricity in your house. Check the different appliances available, the frequency you are using them and the amount of electricity each of these devices consumes every month. This will give you a clear picture of your energy consumption.

Look for alternative ways without using electricity – You heating or air conditioning system is among the devices which consume a lot of electricity. If you can find alternative ways to bring your house closer to ideal temperature, it will lessen the burden of your heating or air conditioning system. One example is by installing insulating materials throughout the house and minimising the outlets or holes where air can travel from or to the inside. Wearing thinner clothes during summer can also help you achieve ideal temperature without lowering the room temperature too much.

Ask for tips – People are getting smarter everyday as they look for efficient ways to save money without sacrificing comfort. Asking your friends or relatives on how they reduce electric bills can provide you several ideas which are applicable to your situation.

Read online – There are a lot of tips in reducing electric bills online which you could use. All you need to do is simply scan the internet and you will find something that works.

Look for alternative power source – Instead of relying solely on your power companies, try considering solar panels or other alternative energy sources like JSG Solutions card meter which you can invest with and saves you in the long run.

Consult your power companies – Your power companies are willing to educate you on different tips to efficiently use your electricity. If you are using smart meters, you can ask your power company on the exact usage of your electricity and other important details they gather from monitoring your energy consumption.

Evaluate the result and look for improvement – Once you apply different ways which you think can lower your electric bills, check if they work and reduce your bills significantly. If they don’t, look for other means or try to improve your methods.

Now you know what to do if you want to lower your electric bills.


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Making Your Way Through The Finance Field

Posted by on Jan 10, 2016 in FCA |

coinsWhen it comes to mortgages there are lots of risks involved. It is extremely hard to obtain a mortgage with a bad credit rating. This is because the lending company or bank will have little or no security as you are seen as an unreliable client. In order to get a loan with a relatively bad score you will have to apply through an online website which will use a guarantor of your choice in case you default on a payment. If you are in a position of having a poor credit rating then you should consider visiting a financial advisor.

If you are looking in to a low interest loan you’ll have to apply and the necessary information will be supplied by financial professionals. This type of mortgage an item you own is often used as a deposit, such as a house or car. This means that the lender owns a percentage of this asset until the borrowed money is returned.

When it comes to business it is important to seek the help of an FCA compliance advisor online at Some of these advisors have been fortunate enough to go to a Cognita school, therefore they have received a top quality education at a top school, Cognita Schools does not disappoint. This is because finance becomes a lot more difficult to navigate as there are so many rules and obligations that you have to adhere to. If you do not follow the proper rules you could find yourself being penalised and some businesses that do not follow legal financing even end up in jail!

It is for the reason that the compliance department of the government has been set up. It is a regulatory authority that operates independently and regulates financial firms.

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How To Save With Your Personal Injury Lawyer

Posted by on Dec 26, 2015 in Law |

lawyerWhen it comes to personal injury cases, it will involve significant amount for both parties either the victim or the defendant. And hiring a personal injury lawyer would use additional amount. As much, many would prefer to negotiate and reach a settlement. However, there will be cases which cannot reach an agreement and would end up in lawsuits. On these cases, the services of a personal injury lawyer will be indispensable so visit Though it is necessary to hire quality lawyers to increase the chances of getting positive results from the lawsuit, it does not mean that you have to go all out and open your wallet. You can still balance between quality service and affordable rate. To avoid such situations, be sure to have a good Health Insurance policy. Finding the best one that suits your needs to easy with health insurance finder. It’s their job to find the best cover for you at a price that you can afford. However, if you happen to already be in this situation, here are some tips on how to save money with your personal injury lawyer.

  1. Look for acquaintances, friends or relatives first – If you have a friend or a relative who is a lawyer, you can definitely get a discount and sometimes no charge at all. For acquaintances, you can sometimes get a discount. Depending on your relationship with the lawyer, you can be sure that you will save some money with the fee.

2. Choose independent or government paid lawyers – Independent lawyers charge lower compared to lawyers in a law firm. This can help you save some money while still get quality service. On the other hand, government paid lawyers will even work for free to those who cannot afford hiring a private lawyer.

3. Less experienced lawyers – Less experience lawyers know that they need clients to increase their experience and reputation. And the best strategy for them is to sacrifice the fee they are charging their clients. If you only plan for negotiations, less experienced lawyers would be a wise choice unless it comes to lawsuits.

4. Low-profile lawyers – Lawyers with low profile will not be sought by most clients. This means that there is less competition for their services. You can always find a lawyer which provide quality service but not many heard of.

5. General practitioners – General practitioners offer a wide array of services on different fields. Since they are not specialists, they would charge less and try to get as many clients as possible. If you want to save, general practitioners would be an option. You can always look for lawyers which charge less in different ways. You can even ask for recommendations from anyone you know. Just be sure to look for several personal injury lawyers and compare them to get the best deals.

You can always look for lawyers which charge less in different ways. You can even ask for recommendations from anyone you know. Just be sure to look for several personal injury lawyers and compare them to get the best deals.


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