Despite falling interest rates, savings rates continue to climb. Abbey, ICICI Bank and Saga have all launched new deals. Kevin Mountford gives a run down of the best deals on the market...

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Are you worried about the security of your savings or are you just making the most of the great rates available at the moment? Click reply to have your say.

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I am worried that the savings market has been distorted by the FSA/BoE/Chancellors' politically inspired stop gap measures to provide consumers with 'total' safety simply for self interest. Now a 'funny money' financial institution is seen as, as safe as 'The Bank of England' providing no more than £35,000 is saved in any one institution. No account is, for example, taken of admin problems where the Government can't help if 'funny money' financial institution's website goes down and they have no idea when it will be up and running again - let's say the account is internet only and branches can't be used in emergencies because they don't have any.

A THOUGHT

If one could take politics out of the equation what about all savings institutions having to quote two rates - one without insurance and one with and no £35,000 safety net. The insurance part could be commercial with the Government acting as insurer of last resort and clearly a clearing bank would pay a much lower premium than 'funny money' financial institution.