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Ready to start your own intrepid adventure.

From unforgettable family holidays to once-in-a-lifetime experiences, our sustainable, carbon-neutral small-group trips suit a range of budgets and travel styles. Book a trip with us and you’ll be taking the road less travelled – enjoying just the right balance of included activities and free time, classic must-sees and insider secrets. Guided by a local leader who knows their destination inside out, you’ll do much more than just see a place – you’ll live it. 

Officially certified as the world’s largest travel B Corp, we’ve been helping to change the way people see the world for over 30 years – so we know what makes travellers tick. Read our story to learn more about our origins and the founding principles that still guide everything we do today.  

The safety and wellbeing of our travellers, leaders, crew, staff and suppliers remains our priority and our return to operations will be done in a safe and responsible way. 

  If you’re ready to go, explore what we offer in the destination that’s calling you . Once you’ve found the trip for you, simply follow the steps below. 

Note: The prices on this website are for tours only. We can always add flights so just give us a call and we'll give you a full quote. 

Your Tesco Clubcard vouchers 

You can use your Clubcard vouchers to part pay for your holiday (maximum redemption value £800 per person).  

To redeem your vouchers simply follow these easy steps: 

Check the Intrepid Travel website for trip options, prices and dates (you might want to give us a call to confirm availability or reserve a spot). 

Select the amount of Clubcard vouchers you’d like to exchange on Tesco.com and complete your order. 

Tesco will send a confirmation email, followed by a second email containing your Intrepid Travel Reward Partner code, to your Tesco.com email address. 

Call us on 0808 274 5111 to make your booking.

View full terms and conditions

• Bookings can be made for trips bought on a ‘land only’ or ‘flight inclusive’ basis.   
• Holidays must be booked at least 14 days before departure. 
• Claim x3 the amount of your Tesco Clubcard points until the 15th June at 11.59pm. After this date you can still claim x2 the amount of your Tesco Clubcard Points. 
• The maximum redemption value for Reward Partner codes is £800 per person. Reward Partner codes will not be accepted on optional extras such as holiday insurance or exchanged for cash. 
• You cannot use Reward Partner codes to pay for the deposit. It must be paid with a credit or debit card. 
• Reward Partner codes can be combined with other discounts offered by Intrepid Travel. 
• All bookings must be made direct with Intrepid Travel via our dedicated phone number (0808 274 5111) and are subject to availability and our standard Booking Conditions. 
• Operation of the trip is dependent upon a minimum number of persons booking the tour.  In the event of this number not being achieved, we reserve the right to cancel the tour; although of course we will make every effort to offer you suitable alternative arrangements in the first instance. 
• Reward Partner codes can be added any time prior to your balance due date (typically 56 days to departure)
• ATOL Protected 6352. ABTA Y0766. 
• Please check the expiry date of your Reward Partner codes – out of date Reward Partner codes cannot be redeemed or refunded. All standard Tesco.com and Clubcard scheme terms and conditions apply – these can be found on Tesco’s website. 

Things to remember: 

• Reward Partner codes are valid for six months from the date of issue. You must book your holiday within six months of receiving your Reward Partner code. 
• Reward Partner codes cannot be used against School and Private Group bookings. 

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The Intrepid Foundation

The Intrepid Foundation is a not-for-profit that supports non-government organisations around the world. We base our work on the UN’s Sustainable Development Goals in the areas of People, Peace, Prosperity, Partnership and Planet. We support 53 projects in 25 countries, and match all donations pound for pound. Below are a couple of projects which we’re proud to support around the world. 

Support to Life (Hayata Destek)

Support to Life,  Hayata Destek  in Turkish, is an independent humanitarian agency working in the field of disaster risk reduction, disaster preparedness and emergency response by promoting community participation in Turkey and the surrounding region.

The Himalayan Rescue Association Nepal (HRA)

The Himalayan Rescue Association Nepal (HRA) provides much needed medical and emergency evacuation assistance and treats many cases of severe mountain sickness. The HRA operates high altitude aid-posts at Manang (3500m) on the Annapurna route, and at Pheriche (4200m) on the Everest Base Camp trek. 

KOTO Training Centre

The KOTO Training Centre provides a two-year program in hospitality, English and life skills training, to groups of 16-22 year olds from disadvantaged backgrounds. Trainees also receive accommodation, food, medical check-ups and treatment if required.

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Want to know more? Check out our 

Explore our latest Reward Partners

With up to 3x more value for your Clubcard vouchers

Check out some of our exciting Reward Partners

Get 3x more value

From €1 in Clubcard vouchers

Tesco Mobile

From €5 in clubcard vouchers.

Irish Ferries

SSE Airtricity

Get 2x more value

For €10 in Clubcard vouchers

ODEON Cinema

Get an adult or concession ticket

From €3.50 in Clubcard vouchers

From €3 in Clubcard vouchers

Get 3 month subscription

For €16.50 in Clubcard vouchers

Make your vouchers go even further

Collect points with the whole Tesco family​

Collect Clubcard points on food, fuel, fashion and more. Turn them into vouchers to get money off your Tesco shop, donate to charity or get up to 3x more value with our Reward Partners​.

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Want to know more? Check out our 

Access to exclusive Clubcard deals

Enjoy stacks of savings and explore our selection of Reward Partners

Support an amazing charity by donating your vouchers to our Charity Partner.

Children’s Health Foundation

Get your vouchers instantly

No more waiting for your next statement, you can request Clubcard vouchers in seconds via the Tesco app

The power to get the very best value from Tesco

Clubcard Prices

Unlock exclusive deals just for Clubcard members.

Collect points

Use your Clubcard and collect points on food, fuel, fashion and more, in store and online

Get vouchers

150 points turns into €1.50 in vouchers – for savings on shopping or with our Reward Partners

Enjoy rewards

Get up to 3x your voucher value with our reward partners.

Make more of Christmas with Clubcard

Add to your festive budget bit by bit, with a little help from us

€5 in Clubcard vouchers

Gives you €10 GoCar credit

Useful Links

Register your Clubcard

Get the Tesco app

View statements online

Check out our Reward Partner FAQs

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Travel Insurance

Spring offer

20% off new Annual Multi Trip policies when you buy direct from us.

Offer ends 30/04/24. Excludes Later Life cover and add-ons. See additional info below.

Learn more about our policies and get a quote to cover you for things like medical expenses, cancelling or cutting your trip short and baggage or valuables.

Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A.

The power to get holiday cover for less

Clubcard members get a 10% discount when you buy direct. Discount doesn’t apply to Later Life cover or add-ons. Just enter your Clubcard number when you get your quote.

If you buy an Annual Multi Trip policy with our Spring offer, your Clubcard member discount will be applied after the 20% discount is applied.

Travel Insurance you can trust

• Choose from Economy or our 5 Star Defaqto rated Standard and Premier cover Single and Annual Multi Trip policies. Choose from Economy or our 5 Star Defaqto rated Standard and Premier cover Single and Annual Multi Trip policies.
• Cover for medical expenses and 24/7 Emergency Medical Assistance is provided with all our cover levels. Monetary limits, excesses and exclusions apply. Cover for medical expenses and 24/7 Emergency Medical Assistance is provided with all our cover levels. Monetary limits, excesses and exclusions apply.

Standard and Premier cover

Types of trip cover

Single trip.

Only plan on one holiday in the next 12 months? Buy cover for the length of your trip only and have protection from cancellation from the moment you buy.

Annual Multi Trip

If you plan on taking two or more trips in the next 12 months, Annual Multi Trip cover can offer greater convenience than Single Trip cover. 20% off when you buy a new Annual Multi Trip policy direct from us by 30/04/24. Excludes Later Life cover and add-ons . See additional info below

Designed for longer trips abroad up to 18 months, often to multiple countries. You may find this type of cover is right for you if you’re planning a gap year or career break.

Get access to a doctor virtually

Available with our Single Trip and Annual Multi Trip policies, choose Premier cover and you'll have access to an English speaking GP on the phone or via an app. This comes as standard for our Backpacker and Later Life products.

COVID-19 cover includes

• If you have to cancel or cut short your trip as a result of contracting COVID-19. If you have to cancel or cut short your trip as a result of contracting COVID-19.
• Medical treatment if you contract COVID-19 abroad. Medical treatment if you contract COVID-19 abroad.
• If you’ve got to return home early because the region you’re in goes into lockdown. If you’ve got to return home early because the region you’re in goes into lockdown.

Remember to check the latest Foreign, Commonwealth & Development Office (FCDO) and local authorities travel advice before you go. We don't include cover for cancellation where the FCDO or local authorities advise against travel. For full details of the COVID-19 cover provided on our policies take a look at the policy booklets . Monetary limits, excesses and exclusions apply.

Quick answers to common questions

Getting set up

Just applied for Travel Insurance? Here's what you might need to get started.

Managing your policy

Some of our commonly asked questions about Travel Insurance.

Something's not right

Not sure about something on your policy? We're here to help.

Getting started with holiday cover

Travel insurance glossary and jargon buster

Do I need travel insurance?

What it covers and why it might be handy to have it

What type of travel insurance should I get?

Some key things you might need to know when picking a policy

Help for existing customers

If you’re an existing customer you can find information, ways to get in touch with us or start a claim here.

Important information

It’s important that you review the full policy document for your Travel Insurance policy. It contains details of cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.

If you purchased or renewed your Travel Insurance policy on or after 13 December 2023, your policy documents are below.

If you purchased or renewed your Travel Insurance policy before 13 December 2023, your policy documents are below.

The Insurance Product Information Documents summarise the key features, benefits and exclusions of cover.

The Insurance Product Information Documents summarise the key features, benefits and exclusions of our additional cover.

Gadget Cover Documents

If you purchased or renewed your policy on or after 13 December 2023, your policy document is below.

If you purchased or renewed your policy before 13 December 2023, your policy document is below.

Car Hire Document

How we collect and use your personal data.

Tesco Personal Finance PLC (trading as Tesco Bank) acts as an intermediary for this policy. Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust). You can find out more about how ROCK will process and share your data in their Privacy Notice.

ROCK will share some of your information with Tesco Bank as set out in their privacy notice and you can find out more about how Tesco Bank will then process that data in our Privacy Policy .

ROCK will also share data with IPA UK so that they can underwrite your policy and if you make a claim. You can find out more about how IPA UK will process your data in the ‘Data Protection Notice and Fraud’ section of the Policy Wording document and by visiting the AXA Assistance website and AmTrust Europe website.

Discount does not apply if you purchase through a price comparison website.

Boy, 13, killed in London sword attack

Tesco announces clubcard change as shoppers could get extra £100 in points.

Tesco is set to overhaul its Clubcard loyalty scheme, offering some shoppers the chance to win up to £100 worth of points. The supermarket giant is inviting three million customers to participate in "Clubcard Challenges", which involve 20 personalised tasks such as "spend £20 on our Summer barbecue range over the next six weeks" or "spend £10 on plant-based meals".

Customers can select the 10 tasks they most want to complete and will receive a maximum of £50 worth of extra Clubcard points upon completion.

However, these additional points can be doubled to £100 if spent with a Tesco reward partner. Over 100 reward partners are available, including Cineworld, Chessington World of Adventures, Thorpe Park and Zizzi.

READ MORE: Aldi announces major changes to its £3.30 Too Good to Go bags

The "Clubcard Challenges" will commence on May 20 and last for six weeks.

In collaboration with EagleAI, Tesco aims to deliver personalisations for the new scheme. Lizzie Reynolds, group membership and loyalty director at Tesco, stated: "We are constantly looking for ways to make Clubcard work harder for our customers. With Clubcard Prices on around 8,000 products, it is saving customers up to £360 off the annual cost of their groceries.", reports the Mirror .

Tesco customers have been issued a warning about a fraudulent email that's circulating, which falsely offers a £500 gift card. The scam involves an email that directs recipients to a suspicious survey site, where they're prompted to answer questions for a chance to "win" a Tesco gift card.

However, the promised gift card is non-existent, and the email is not affiliated with Tesco at all. Instead, it's a ploy by scammers to harvest personal and financial information.

Consumer watchdog Which? has highlighted this scam in its latest round of scam alerts.

The scam email entices with the message: "Win a £500 Tesco Gift Card! Shop til you drop with this generous gift card from Tesco, your one-stop destination for groceries, household essentials and more. Enter now for your chance to indulge in a shopping spree! "

A representative from Tesco has responded to the issue, stating: "This online competition is fake and has nothing to do with Tesco. We are investigating this and urge customers to remain vigilant to these types of scams and phishing emails."

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Edinburgh dogs survive being 'home alone for a week' as owner dies unexpectedly

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Cruel woman who left dogs to suffer handed 20-year ban

Kasandra Benton left the dogs to suffer at her Talke Road home in Walsall

Warning to dog walkers that they could face £1,000 fine this summer

Enforcement officers have been handed new powers in a number of parts of the UK

Solihull shopping centre opens popular high street store as shoppers say it's their 'favourite'

Delighted shoppers have welcomed the store, which is known for its fashion, homeware and accessories

Aldi announces major changes to its £3.30 Too Good to Go bags

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The National Lottery is now on the hunt for the EuroMillions UK Millionaire Maker player

Warning as beloved dogs die in suspected Tamworth 'poisoning'

Devastated owners speak out after tragedy.

Gardeners told to plant flower colour to deter pigeons as they see it as 'danger'

Pigeons are a common sight in gardens across the UK, but there are ways to keep them at bay without causing them any harm - and one of them involves planting a certain colour of flowers.

Vet issues warning over four spring plants that are toxic to your dog

As we sail through spring and head towards summer, you may be planning to plant life back into your garden this National Gardening Week- but some flower and plant species could cause serious harm to your pet.

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Mobile phone deals and offers

Pay monthly phone deals, find out more.

Get your hands on one of our great-value pay monthly mobile phone deals . We’ve got the latest phones on flexible plans – putting you in control. What will you go for?

Apple   iPhone 15

Save up to £108  with Clubcard prices

from £31.49 a month with 3GB of data

Samsung   Galaxy S24 Ultra 5G

Save up to £558  with Clubcard prices

from £49.99 a month with 12GB of data

Apple   iPhone 15 Pro Max

Save up to £252  with Clubcard prices

from £44.49 a month with 3GB of data

Samsung   Galaxy S23 FE 5G with Buds

Save up to £396  with Clubcard prices

from £28.99 a month with 12GB of data

Buy now Promotions

   Buy one of the below Samsung Galaxy S24 series and claim:

• Galaxy Tab S6 Lite worth £349.

Galaxy S24 5G

from £34.99 a month with 12GB of data on Clubcard Price

Galaxy S24+ 5G

from £44.49 a month with 3GB of data  

Galaxy S24 Ultra 5G

from £49.99 a month with 12GB of data on Clubcard Price

SIM only deals and offers

If you’re after cheap SIM only deals, take a look at what we’ve got on offer. With our SIM only contracts , you’ll get unlimited minutes and texts, and you can pick the data allowance that suits you.

12GB SIM Only

Clubcard Price  - £9 a month Regular Price  - £10 a month

Save £24 Unlimited minutes Unlimited texts 24 month contract

60GB SIM Only

Clubcard Price  - £13 a month Regular Price  - £15 a month

Save £48 + 2000 Clubcard Points Unlimited minutes Unlimited texts 24 month contract

30GB SIM Only

£12.50 a month  

Unlimited minutes Unlimited texts 24 month contract  

Pay as you go SIM

Clubcard Price - £10 a month Regular Price - £15 a month 25GB 5000 minutes 5000 texts

Pay as you go phone deals

Contracts not your thing? No problem. We’ve got a trolley-load of pay as you go deals for you to pick from, giving you flexibility and freedom.

Pay as you go range

Save £10 on all Tesco Mobile phones when bought with a top-up

Nokia 110 4G

£19.99 when bought with a £10 top-up

Alcatel 1 2021

£32.99 when bought with a £10 top-up

Nokia 2660 Flip

£54.99 when bought with a £10 top-up

SIM free mobile phone deals

Our SIM free mobile phone deals include iPhones, Samsungs and lots more. All our SIM free phones are unlocked, so you can use them with any network.

SIM Free range

Spanning Apple, Samsung and everything in between

Samsung A15 5G

£169.99 when bought with a £10 top-up  

£59.99 when bought with a £10 top-up

£57.99 when bought with a £10 top-up

Mobile phone accessories 

Discover a selection of top brands to provide you with the best choice possible. Choose official accessories from the likes of Apple, Samsung and Google. From charging leads and power adapters to wireless headphones and smart watches. Grab a great deal today!

Ready to join?

Pay Monthly phones

Starting from as low as £7.50 a month. 

Check out our latest  Pay monthly SIMs  and  No-contract SIM  deals

Pay as you go phones

Check out our great range of  Pay as you go phones

Business phones

Find out what Tesco Mobile can do for your  business

Shopping for the best mobile phone deals here at Tesco Mobile? With our exclusive Clubcard Prices , you can bag instant savings on the latest phones, including the  Apple iPhone 15 Pro Max and the Samsung Galaxy S24 Ultra 5G . Plus, when you take out a Clubcard Price deal, we’ll freeze your basic monthly usage price for the length of your contract .

Trans-Siberian Railway Prices

• Trans-Siberian Railway Tickets
• Trans-Siberian Railway Ticket Booking
• Trans-Siberian Railway Car Classes
• Travel Procedure
• Trans-Siberian Railway Route
• Guides & Gadgets

Home » Prices and Trans-Siberian Tickets » Trans-Siberian Railway Prices

Ticket prices for the Trans-Siberian Railway also depend on the current ruble exchange rate.

Is the Trans-Siberian Railway expensive?

Before starting on your Trans-Siberian Railway adventure you naturally want to know what the entire trip will cost. Although this sounds like a simple question, it is pretty difficult to answer. The Trans-Siberian Railway price of travel depends on the following factors:

• Which travel class do I want to use? The price for a first class ticket is about three times the price of a 3rd class ticket
• Am I willing to buy the tickets myself and assume responsibility for the organisation of the trip?
• How many stopovers do I want to make? The more breaks, the higher the total price.
• What sort of accommodation do I want? Will it be a luxury hotel or will a hostel dormitory be sufficient?
• What tours and excursions would I like to go on?
• What is the current exchange rate for rubles?

Basically, everything from a luxury to a budget holiday is available. If you buy yourself a 3rd Class nonstop ticket at the counter, a few hundred Euros will cover the price. All you will experience is a week on the Trans-Siberian train and will see nothing of the cities on the way. There is, however, any amount of room for upward expansion. Everyone makes different choices about which aspects they are willing to spend money on. I personally prefer to save money on accommodation and railcar class, visit as many cities and do as many trips as possible. To enable better classification of your travel expenses I have contrasted two typical traveler types. In the third column you can calculate the total cost of your own journey on the Trans-Siberian Railway. Please keep in mind that these are only rough estimations and not exact prices.

The all-in costs seem fairly high at first. However, they cover everything and it is quite a long journey taking four weeks. Many people forget to consider that when looking at the list. We should also deduct the running costs for food and leisure at home. I think most visitors to this page will classify themselves somewhere between the two categories, that is around the € 2,000 – € 2,500 range. When comparing these prices with other travel packages, you get the impression that it is hardly worthwhile travelling individually on the Trans-Siberian Railway. Please keep in mind that most packages last no more than 14 days and you are herded like cattle through the most beautiful locations.

If you spend less time on the Trans-Siberian Railway you will, of course, pay less. I chose this particular travel length because I prefer not to do things by halves. If you fulfill your dream of travelling on the Trans-Siberian Railway, enjoy it and don’t rush things. But it’s up to you, of course. Try playing around with the form a bit to find the appropriate price for your trip.

• Trans-Siberian Railway Tickets »

Money latest: Turns out Sainsbury's boss was right about self-checkouts - Britons do love them

A poll shows a majority of Britons like self-checkouts - backing up comments by the boss of Sainsbury's. Read this and all the latest consumer and personal finance news below, plus leave a comment in the box.

Tuesday 30 April 2024 14:30, UK

• Mortgage approvals highest since 2022
• State pensions 'could be in doubt for future generations'
• Average UK rents hit new high
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Ask a question or make a comment

Lidl plans to open hundreds more supermarkets across Britain.

The German discount chain, which is now the UK's sixth biggest supermarket, is targeting thousands of new shoppers as it continues its expansion.

It currently has about 960 stores but is targeting more than 1,100 across England, Wales and Scotland.

In the coming months, the chain will welcome shoppers to new stores across the country, from Bristol, Birmingham and Berwick in Scotland. 

In London, it will be opening new stores in Wandsworth, Fulham, Hoxton and Canning Town.

But it says it is eyeing growth in more locations. If it successfully finds a good location, it is willing to pay a finder's fee of 1.5% of the total freehold purchase price, or 10% of the first year's rent for leaseholds, which would equate to £22,500 for a completed £1.5m site purchase.

A finder's fee can be paid to any member of the public who identifies a suitable site for it to open a new store.

Richard Taylor, Lidl Great Britain's chief development officer, said the company was "continuing to invest in new locations whilst exploring innovative routes to expansion".

"As we look ahead, we're excited to welcome even more new shoppers to our existing stores, as well as those we're planning to open across the country in the coming months and years," he said.

Mortgage approvals rose to 61,300 in March - the highest number since September 2022.

They had been at 60,500 in February, according to the Bank of England.

While this is positive, industry experts are reporting that uncertainty over the direction of interest rates this year is prompting caution.

Mortgage rates have risen in the last few weeks as markets went from pricing in a base rate cut in June to thinking it may be August.

US inflation proving stubborn has led to concern here that the path to the 2% target may be bumpy - meaning the base rate may have to stay high in order to constrain spending and thus ease price rises.

Forecasts of three cuts this year from the current 5.25% have been scaled back to two.

Hina Bhudia, partner at Knight Frank Finance, said: "The sun is out and buyers are returning from their Easter break, so we'd usually expect these to be the busy weeks before the summer; however, the uncertain outlook for mortgage rates will undoubtedly weigh on activity.

"It's not just buyers that are frustrated. The lenders are eager to rebuild their businesses after a subdued 2023; however, they are constrained by stubborn inflation and the resulting impact on their cost of funding."

Following Sainsbury's boss Simon Roberts' claim that Britons like self-checkouts...

...we asked Money blog readers, and followers of our LinkedIn page , for their views.

While our inbox was filled with a lot of hate for self-checkouts, our poll of 2,613 people on LinkedIn shows that, overall, Mr Roberts was right...

We have rounded up some of your views here...

Self-checkout is the worst thing to ever happen. Standing like a child with your hand up, one person running up and down to deal with this, underpaid and understaffed. Janice Karaaziz, Money reader

I'll go out of my way to find a cashier, largely because my five-year-old will make a beeline for pressing the scales. I've noticed my local store having fewer and fewer cashiers on - and on many occasions there have been none. We need to think about inclusivity here. There will be some customers who will need a cashier for various reasons, so would expect there to always be at least one on, so stores are accessible for everyone. KaraS, LinkedIn

I try and limit my social interactions as much as possible, out of choice, so most of the time self-checkouts are convenient. Alasdair Corton, LinkedIn

They induce a level of irritation. Sometimes I can be heard answering them back. In general I choose to have my items flung at me by Lidl checkout staff. Siobhan W, LinkedIn

Self-checkout provides a great alternative to customers, especially those with smaller quantity purchases, but personally I think it's sad to see them dominate the front of Sainsbury's stores. In my opinion, it's the removal of one of the greatest ways to provide good customer service. Tom Tregay, LinkedIn

Self-checkouts are great, I will always choose to use one instead of a normal checkout. Some are easier to use than others, the Co-op and Tesco have easy-to-use interfaces whereas Morrisons is a bit more complicated. They'll evolve over time and there's always staff to help out. CG, LinkedIn

They're useful, but when they trigger a "basket check" on nearly every single shop, they begin to lose attractiveness Nicola Bradley, LinkedIn

I tend to argue with them lol. Especially when I can't get it to scan a particular item or you need approval for something so you have to wait for assistance anyway! Plus as a disabled customer I have to juggle my crutch, shopping, scanning and packing. With reduced staff in shops you can't always get the help you actually need. Elizabeth Graney, LinkedIn

Definitely not. So when I go to Sainsbury's I see a lot of older people and no way do they want to use self-checkouts. My mother lives in assisted living and all of them say they hate them. Get a grip, Simon - they are not faster, they are saving you employing more staff. I know my aunt has stood at an Asda til they put a staff member on there. Andrea Robinson, LinkedIn

Robots should never replace humans. Interaction is essential... if machines replace people no one will work, it's a crazy dangerous road. Nicola van Eerten, LinkedIn

The self-checkout is a money-saving exercise. They cut back everywhere. No staff on the shop floor to help. Paper bags in the veg section now cost 30p - for absolutely no reason. Mark, Money reader

Average advertised rents have hit a new high in the UK, according to Rightmove .

Across Britain, excluding London, the average monthly rent being asked for a property coming on the market in the first quarter of 2024 was £1,291, the property website found. This was 8.5% higher than a year earlier.

The average advertised rent in London also hit a fresh high in the first quarter of 2024 at £2,633 per month but this was just £2 higher than the average asking rent in the fourth quarter of 2023.

While average rents have climbed, the property website says there are signs that the pace of the increases is slowing.

There are also indications that more landlords are having to reduce their asking rents, particularly for bigger homes, to meet what tenants can afford.

Rightmove's director of property science, Tim Bannister, said the rental market was "no longer at peak boiling point" but it "remains at a very hot simmer".

By James Sillars , business reporter

The index rose by 0.3% to 8,174 points at the open.

Only real estate stocks were proving any kind of drag.

Among the companies leading the gainers was HSBC.

It climbed by more than 2.6% in London after the Asia-focused bank announced a rise in shareholder awards despite a slight drop in quarterly profits.

The share price reaction also reflected news that chief executive Noel Quinn is to retire - read the full story of that here ...

Among the other gainers in early dealing was Whitbread.

The Premier Inn owner's annual results revealed a sharp rise in annual profits but also a new focus on hotel investment at the expense of its restaurant brands.

That was placing 1,500 jobs at risk, it warned - read the full story here ...

By Jess Sharp , Money team

We first came across Tom McPhail when he posted this on X... 

The pensions expert appeared to be suggesting state pensions were at risk of disappearing.  

After speaking to him on the phone, he confirmed that was exactly his concern, warning something needed to be done sooner rather than later to avoid a "catastrophic" situation.  

He described state pensions as a social contract – each generation pays taxes and national insurance, which funds the pensions of today's older people, and they hope the following generation will do the same for them.

But with population growth slowing, there's a worry there may simply not be enough people to keep the system afloat in the future.  

"There's a significant demographic shift going on in the UK. It started before the Second World War, cohorts of people born in the 1930s have been experiencing significantly longer lives than was the case prior to that, so people now in their 80s are living quite a lot longer," he said. 

"But at the same time, we've got fewer children coming through. And so this exacerbates the shift in the age of the population."

He said if he was 20 today, he would be "sceptical" about the promise of a state pension because he isn't sure how it's going to be paid for.  

At the moment, the state pension system costs around £120bn a year and more than half of retired people rely on it to make up at least 50% of their income, he added.  

Over the next 50 years, Tom predicts the proportion of GDP the state spends on older people will increase from around 16% to 25%.  

"I hesitate to use the word unsustainable, but it will certainly start to look challenging," he said.  

"If we suddenly switched off the state pension or significantly reduced it, people would be in trouble, so the government can’t do that. 

"You can't keep on progressively ratcheting up a more and more generous state pension. The costs of state pensions is going to become increasingly difficult for the younger cohorts to bear."

He pointed to a few ways to potentially salvage the state pension – policy change, more babies being born or people working until they are in their 70s.  

"Politicians are going to have to make decisions about how to get out of this kind of political bind," Tom added. 

"Time and time again it's just kick the can down the road on the pension question, just put a sticking plaster on it and let the next government deal with the problem. 

"You can't keep doing that. So I would really like to see, on the other side of this forthcoming general election... whoever's in power, in collaboration with whoever's in opposition, to just really open it up to some honest conversations about where the demographics are going to take us." 

He does note there is one piece of good news: "This happens quite slowly, so we do have time on our side." 

Basically, swap rates dictate the pricing of fixed-rate mortgages.

Lenders, such as banks and building societies, borrow in order to lend.

They borrow from financial markets and often these transactions are made using Sterling Overnight Index Average (SONIA) swap rates, which can move around.

By contrast, most domestic mortgages are set on what is known as a "term" rate – in other words, the borrower knows how much interest they will be paying for a set period of time.

To avoid a situation where the SONIA rate goes above the rate it is charging borrowers, which would leave the bank or building society lending at a loss, the lender will seek to enter a "swap" arrangement which protects them from such a situation.

Under such agreements, two parties exchange cash flows with each other. The lending bank will swap the variable payments it may make to service a mortgage (which is fixed to the SONIA rate) for payments at a fixed rate. This insulates the lending bank from unexpected increases in the SONIA rate.

Once a deal is struck based on the swap rate, mortgage providers set their fixed deals for customers, with their own profit margin priced in.

How are swap rates decided?

Swap rates are based on what the markets think will happen to interest rates in the future.

When they go up, so do the rates being offered on the high street, as we have seen in the last week or two amid uncertainty over whether forecasts for a summer base rate cut are accurate.

Read other entries in our Basically... series:

Train drivers will stage a fresh wave of strikes and overtime bans in May, causing disruption to the rail network.

The strikes are part of a long-running dispute over pay.

Members of Aslef union at 16 rail companies will walk out on different days from 7 to 9 May. Additionally, all members will refuse to work any overtime from 6 May to 11 May.

Here is a full list of the services affected by strikes and when.

Rail strike dates

Tuesday 7 May

Strikes will affect c2c, Greater Anglia, GTR Great Northern Thameslink, Southeastern, Southern, Gatwick Express and South Western Railway.

Wednesday 8 May

Strikes will affect Avanti West Coast, Chiltern Railways, CrossCountry, East Midlands Railway, Great Western Railway and West Midlands Trains.

Thursday 9 May

Strikes will affect LNER, Northern Trains and TransPennine Express.

Overtime ban dates

From Monday 6 May to Saturday 11 May union members will not work overtime.

Overtime bans, an action short of a strike, means some services may not be running or may be reduced as drivers refuse to work their rest days.

People are advised to check before they travel, as some areas may have no service.

How do strikes and overtime bans affect services?

Strikes tend to mean services on lines where members are participating are extremely affected or cancelled entirely, whereas overtime bans often lead to reduced services.

How can I stay in the loop?

You can use the National Rail's  journey planner  to see when trains are running.

Be sure to check it close to when you plan to travel, as it will be updated regularly.

Why are the strikes still happening?

Aslef rejected a two-year offer of 4% in 2022 and another 4% this year, saying this was way below inflation, and was linked to changes in terms and conditions.

Aslef says train drivers have not had an increase in salary for five years, since their last pay deals expired in 2019.

Royal Mail is temporarily waiving a £5 charge for unsuspecting members of the public who receive post sent with a fake stamp.

The company said it was developing a new scanner in its app which will let customers scan stamp barcodes and check whether they are recognised counterfeits.

While this takes place, the £5 charge for people who receive the post will be paused, Royal Mail said.

It added that it would work to ensure the sender of items posted with counterfeit stamps are charged instead of the recipient where possible.

Royal Mail chief commercial officer Nick Landon said new security measures alongside its barcoded stamps have "led to a 90% reduction" in counterfeits.

"We want our customers to buy stamps with confidence and always recommend that customers only purchase stamps from post offices and other reputable high street retailers," he said.

Tesco Clubcard users have the chance to secure up to £50 in points over the next six weeks as part of its new "Clubcard Challenge" initiative.

Three million Clubcard holders will be invited to take part in the campaign. If they accept, they'll receive 20 challenges that Tesco says will be "personalised just for them" - of which they can choose up to 10 to complete.

The supermarket giant said it was working with AI company EagleAI to offer the "hyper-personalised" promotion.

Challenges will involve spending a certain amount on a range, such as its BBQ food offering, or type of product, such as plant-based food. Customers who complete the "challenges" will be handed extra Clubcard points.

Lizzie Reynolds, group membership and loyalty director at Tesco, said the company was "very excited" to see how its customers responded.

Let us know what you think of this in the comments box above.

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Tesco leverages ai for clubcard challenges solution.

British grocery giant Tesco has partnered with SaaS [software as a service] company Eagle Eye to enable personalised, real-time marketing within its Clubcard loyalty scheme.

Following a successful trial with a higher-than-anticipated participation rate, Tesco will roll out personalised challenges to more Clubcard members in the coming months, under the name Clubcard Challenges.

EagleAI Personalised Challenges is a digital platform that allows retailers to personalise promotions, providing customised challenges to reward incremental behaviour.

In-built AI and deep machine learning facilitate hyper-personalisation through analytics, providing consumers with promotions more suited to them.

Tesco group membership and loyalty director Lizzie Reynolds commented: "We are constantly looking for ways to make Clubcard work harder for our customers. With Clubcard Prices on around 8,000 products, it is saving customers up to £360 off the annual cost of their groceries.

“Personalisation is about using what we know about customers to make their experience better and our rewards more helpful, and we're very excited to see how Tesco customers respond to Clubcard Challenges."

GlobalData’s retail industry intelligence confirms that consumers are looking to retailers to provide not only a personalised service but also a tailor-made product to best appeal to them.

In early April 2024, Tesco launched a dedicated online page to promote and simplify access to British-grown and produced food for its customers.

"Tesco leverages AI for Clubcard Challenges solution" was originally created and published by Retail Insight Network , a GlobalData owned brand.

The information on this site has been included in good faith for general informational purposes only. It is not intended to amount to advice on which you should rely, and we give no representation, warranty or guarantee, whether express or implied as to its accuracy or completeness. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

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