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Handling a phone in any way, from touching the screen to scroll a music playlist, browse the internet, take a photograph or play a mobile game is now strictly prohibited, and these rules apply when stopped at a red light or stuck in traffic. The only exceptions are for making calls to emergency services when there is no safe place to pull over and to use contactless payments like Apple Pay at fast-food drive-throughs and to pay tolls, while hands-free calls are still permitted. Drivers will still legally be allowed to use their phones as sat-navs if they are secured in a mount on the windscreen - though you can still be punished if the police believe a driver is touching a device in a cradle.

So-called 'car-cloning' is on the increase as criminals steal the identities of cars in a variety of scams that leave thousands of innocent motorists with parking tickets and speeding fines for which they're not responsible. But in the worst cases, consumers are tricked into unwittingly buying stolen cars - with a false number plate and identity - and left thousands of pounds out of pocket when the vehicle is impounded and returned to its rightful owner.

I bought my house in South East London 11 years ago for about £1.7million. I currently owe around £1.3million on the mortgage, for which I pay around £2,350 per month. Last November, I noticed the extremely low mortgage rates on the market and decided to remortgage to a five-year fixed rate of 0.89% with my current lender, TSB. I calculated that this would cost me around £950 per month - a huge saving. I had the house valued by three estate agents at between £2.6million and £2.8million, which would give me just under 50 per cent equity at least. But when I tried to remortgage TSB said my house was valued at £1.3million: half of what the local agents said and £400,000 less than I paid for it 11 years ago. It doesn't make sense as property prices are rising fast in my area. Could they be looking at the wrong house?

We revealed some of the most expensive homes for sale around Britain's shoreline. Pictured (clockwise from top left and then centre) are: A nine-bedroom home in the Southampton village of Warsash, a five-bedroom house in Cornwall, a five-bedroom townhouse in Brighton, a five-bedroom home on the island of Jersey and a five-bedroom house in Santon on the Isle of Man.

The Government has unveiled fresh measures and £1.6billion in new and existing funding to bolster the charging network from 30,000 to 300,000 devices by 2030 in a report published by the Department for Transport. However, industry insiders say the target might not go far enough to match demand for plug-in vehicles in the lead up to the ban on sales of new petrol and diesel cars from 2030.

Was that enough? When Rishi Sunak stood up to deliver his Spring Statement, the nation awaited news on what he would do to help with the cost of living crisis. A measure of that came just a few hours earlier when the ONS revealed CPI inflation had hit 6.2 per cent. That meant Sunak faced a challenge chancellors haven't seen for three decades: how to placate a nation whose bills are rising this fast?

A number of investment trusts are targetting an area of the market considered essential for the future of green power - energy storage. Two of those leading the way, Gresham House Energy Storage and Gore Street Energy Storage, have dividend yields above 5 per cent and posted total returns of 23 and 20 per cent, respectively, over the past year.

Our energy bills are soaring but many of us may be paying more than we need to, with electricity being drained without us knowing.'Vampire devices' wreak most of their damage at night, draining power when left on, even when not in use. A recent study by British Gas, the UK's largest supplier of electricity, estimated that as much as 23% of our electrical usage could be put down to vampire energy.

Chancellor Rishi Sunak is planning to introduce cheap taxpayer-backed loans to help homeowners install heat pumps, solar panels and other energy efficient measures to combat rising fuel bills. But anyone contemplating switching from a traditional boiler to a heat pump needs stamina, patience and, most of all, substantial savings.

Judging by recent weeks on the stock markets, you can understand why savers might feel like staying clear of investing. After spending much of the past two years pushing from one high to the next, markets have endured a tricky three months. Yet personal finance experts say investing remains one of the most reliable ways to grow your savings - provided it's done responsibly.

Like many online shoppers, Student Synthia Gazi (pictured) was first tempted to use buy now, pay later services to buy clothes. But the controversial lenders are now touting their credit for everything from food to travel - and critics fear this easy credit will drag struggling households into debt as the nation faces a cost-of-living crisis.

Values have increased a significant 10.4% during the past year to reach an average of £354,564, according to Rightmove. We take a quick look around the country to find some average prices properties, each displaying a price tag of £355,000. Pictured (clockwise from top left): A four-bed detached house in Worcestershire, a four-bed semi-detached house in Wales, a five-bed detached house in Scotland, a four-bed detached house in County Durham, a one-bed leasehold flat in East London's Wapping, and a three-bed detached house in Devon.

Next has cut its sales and profit targets after shutting its operations in Russia and Ukraine. The London-listed retailer said earlier this month it was winding down its Russian distribution site following the Kremlin's invasion of Ukraine. It said the closure of websites in both Russia and Ukraine will knock around £85million off its sales forecasts for the current financial year.

Rishi Sunak has been in Number 11 for barely two years but in that time he has been both a pandemic and a wartime Chancellor. He was hoping the Spring Statement would be just that - an update on the economy and public finances ahead of an autumn Budget that sets the Tories up for the next general election.

We are planning on putting our home on the market soon. We have noticed that although most properties have an exact asking price, there are some that don't. For example we have seen some ask for 'offers in excess of' a specific price, whilst others give a 'guide price' or range. There are also some with just say 'POA' and no price at all, which seems rather unhelpful. Is there any advantage to this?

Some classic car projects can take longer than others. But this particular example has been 43 years in the waiting. This rare AC Ace was taken off the road by its owner in 1979 before being broken down into individual parts ahead of a piece-by-piece restoration. However, the refurbishment failed to materialise, leaving the classic car in a pile of components waiting to be put back together. Last week, the mortal remains of the now-collectable 1963 motor were offered at a UK auction to the highest bidder, with the winning enthusiast forking out over £200,000 for the stripped-down vehicle. Inset right, how the car could look once fully restored.

I have a near full employment history of making NI contributions, the majority of which were made under contracted out arrangements. Having accumulated 48 years full contributions by April 2021, is there any benefit or indeed obligation to make Class 3 contributions in order to protect the amount of pension I should receive? I have seen a comment and advice on your website which records HMRC's view that there is an obligation to continue to pay NI contributions, but I presume this was due to the person seeking the advice still being in employment. My situation is different in that I am currently unemployed and retired.

I am keen to support the current war effort for the Ukrainians and safely purchase war bonds. Are any platforms in the UK offering the bonds and are they a good investment?

Anyone wanting to save a deposit to buy their first home should consider putting money into a Lifetime Isa - and earn a 25 per cent bonus on contributions. Alternatively, the Isa can be used to save for later life, as the cash can also be taken out at the age of 60, but if it is taken out before then for anything other than a first home purchase then a hefty 25 per cent penalty applies.

The Blue Whale Growth fund has proved a hit with investors since its launch almost five years ago, richly rewarding them with an 82 per cent return. But investing conditions have changed dramatically over the past six months, with inflation seemingly far more persistent and less transitory than central banks expected, leading to a shift in the interest rate environment and a sell-off for high-flying growth stocks. Manager Stephen Yiu joins Simon Lambert to discuss whether his investment outlook has changed, how the recent shake-out has affected the Blue Whale portfolio and where he sees the best opportunities now.

Choosing the right DIY platform is crucial but a wealth of choice and a variety of charges can leave investors scratching their heads. We pick some of the best. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.