Water, phone and broadband companies are willing to give millions of people discounted deals on their bills.

Social tariffs - sometimes known as essential, or basic, tariffs - can reduce bills for people on various benefits. Generally, you only need to ask your supplier to get on one.

Importantly, they are not price promotions designed to attract customers, but lower bills for the same service for those who would otherwise struggle to pay.

Most people who have fallen behind on paying their bills are unaware this help is available, a major report has suggested.

These tariffs vary between suppliers and the lower cost of them is often covered by higher bills for everyone else.

Getting one does require you to get in touch with your supplier and provide some evidence - but that does not take very long.

If your name is on the contract and you receive benefits such as universal credit, or pension credit, then companies may be able to give you a discounted deal.

For broadband and phone contracts, regulator Ofcom has a list of social tariffs provided by suppliers.

If yours is on the list, and you are eligible, then you can switch free of charge, and it won't cost to leave the contract either.

For water bills, every supplier in England and Wales has a social tariff - but who is eligible and the level of support varies between them. The consumer group for water customers has a list.

To apply, you generally need to provide some proof, such as details of the benefits you receive.

Scottish Water does not offer a social tariff, but there are other options available. In Northern Ireland, people are helped through the Community Care Register.

Social tariffs are not available on household gas and electricity bills - despite pressure from some, including regulator Ofgem, for their introduction.

Instead, suppliers offer a host of support schemes if you are struggling to pay, or are likely to find it difficult.

The trade body for the sector, Energy UK, has a list of these schemes. But it stresses that companies can often only help if you get in touch with your supplier to tell them you are unable to pay.

Free debt charities, such as Citizens Advice, are very experienced in helping people and can provide independent advice.

But it is worth being alert about scams - some criminals will try to exploit the situation by sending what look like official messages and emails. Never reply to such an unsolicited contact.

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