Water bills have risen sharply in recent years. If you’re struggling, there’s more help available than many people realise.
The short answer
- Household water supplies can’t be disconnected for non-payment.
- Every water company has a social tariff for people on low incomes.
- The WaterSure scheme caps bills for some metered customers on benefits.
- Many companies have hardship funds that can clear arrears.
- Water companies can still take court action for arrears.
Can I reduce my water bill?
- Social tariffs: discounted bills for low-income households. Each company has its own scheme and criteria.
- WaterSure: caps metered bills for people on certain benefits with a large family or a medical condition that needs extra water.
- A water meter: may reduce bills if you live alone or in a small household.
What if I'm already in arrears?
Contact your water company and ask for a payment plan. Ask about hardship funds and arrears matching schemes, where the company reduces your arrears if you keep up regular payments.
Can my water company take me to court?
Yes. Although they can’t cut you off, water companies can take court action and get a CCJ. Engaging early avoids this.
Water arrears can be included in debt solutions. See energy and water arrears in an IVA.
Common questions
Can water companies cut you off?
No. Household water supplies in England and Wales can’t be disconnected for non-payment.
Is water a priority debt?
It’s usually treated as a lower priority than energy, because you can’t be cut off. But it’s still important to pay.
Can water arrears be deducted from benefits?
Yes. Water companies can apply for deductions from some benefits, including Universal Credit.
Getting help
You don’t have to deal with debt on your own. Free, impartial advice is available from MoneyHelper, StepChange and National Debtline. If you want to talk through whether a formal solution such as an IVA could be suitable, you can also get in touch with us.