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Ending the extra costs of being poor
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  • Home
  • About Us
    • The Fair By Design Team
    • Lived Experience
    • The Fair by Design Steering Group
    • Funders & Partners
  • THE POVERTY PREMIUM
  • What we’re doing
    • Fair By Design Campaign
    • Fair By Design Fund
    • Fair By Design Portfolio
  • What you can do
    • Read our Roadmap
    • Making the Business Case
    • Showcase
  • Research & Policy
    • FAIR BY DESIGN POLICY RESPONSES
    • POVERTY PREMIUM RESEARCH
  • News
    • Latest News
    • Blog
  • CONTACT

POVERTY PREMIUM RESEARCH

Here you will find essential reading on the Poverty Premium.

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  2. POVERTY PREMIUM RESEARCH
Citizens Advice, ‘The cost of loyalty’ Download PDF
CMA, ‘Consumer vulnerability’ Download PDF
Competition and Markets Authority (CMA), Energy market investigation Download PDF
FCA, ‘Access to Financial Services in the UK’ Download PDF
Financial Conduct Authority (FCA), ‘Understanding the financial lives of UK adults’ Download PDF
Financial Inclusion Commission, ‘Improving access to household insurance’ Download PDF
Money and Mental Health Policy Institute, ‘Levelling the playing field’ Download PDF
Social Market Foundation, ‘Eliminating the Poverty Premium in energy Download PDF
Toynbee Hall: ‘An extra 7 years before I’m debt free’ Download PDF
University of Bristol, ‘Paying to be poor’ Download PDF

Living with the Poverty Premium

I had to take out a pay day loan when I had a car accident, and my excess was £400, which I could not afford. I asked family for help, but they too were unable to afford it, so I had to go to a payday lender. I am still paying it off now.

Read Sherisha’s Story

People are living on the edge, and the banks and government need to recognise that and shift their services accordingly. I don’t know many single parents who are in a good position. Everyone is in the same boat, and real life for many of us means we’re struggling by on a pittance.

Read Louise’s Story

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Fair By Design
Fair By Design @FairByDesign
2 days ago
"I had a car accident and my excess was £400, which I couldn't afford. I asked family for help, but they were unable to afford it, so I had to go to a payday lender. I'm still paying it off now."
Sherisha's story on the #PovertyPremium https://t.co/zBlp3Hpyc8 https://t.co/Ct0YeCylcW
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Latest News

Fair By Design and Money Advice Trust launch ‘Inclusive Design in Essential Services’ project

03.12.2019

Research & Policy

Fair By Design responds to FCA consultation on general insurance pricing practices

18.11.2019

Fair By Design is a movement dedicated to ending the Poverty Premium.

Our Campaign works with businesses, government, the social justice sector, and regulators to design out the Poverty Premium.

Our Venture Fund provides capital to help grow innovative ventures developing products that make markets fairer.

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