Home insurance Home insurance additional charges

Many insurers charge extra if you want to make common changes to your home insurance policy. 

If you move house or get married, chances are you'll be charged an extra fee on top of the revised risk-based premium. And if you need to cancel your policy, most insurers will charge you a cancellation fee. 

However, to lure new customers over, some insurers are willing to pay out a 'Switching fee' - an amount to cover the cancellation fees arising from transferring between insurers mid-term.  

We've rounded up the charges imposed by insurers and reveal the best and worst buildings and content insurance providers.

Go further: Which? Recommended Providers - find out which insurers are rated highest by our members

Note: All scores are based on making policy changes or requesting duplicate documents offline. We have footnoted where an insurer charges no fee for online changes.

Home insurance charges
ProviderAPR for monthly premiums (%)Switching Fee (£)Policy renewal fee (£)Policy set up fee (£)Policy adjustment fee (£)Duplicate document fee (£)Cancellation fee (£)Payment default fee (£)Which? charges score (%)
UIA Insurancen/a£25n/an/an/an/an/an/a95%
Age UKn/an/an/an/an/an/an/an/a88%
Lloyds Bankn/an/an/an/an/an/an/an/a88%
Halifaxn/an/an/an/an/an/an/an/a88%
Bank of Scotlandn/an/an/an/an/an/an/an/a88%
Ecclesiastical16.2%£25n/an/an/an/an/an/a85%
NFU Mutual2.75%£50n/an/an/an/an/an/a85%
HSBCn/an/an/an/a£10n/an/an/a83%
Insure4 Retirementn/a [a]£50n/an/an/an/a£25£2083%
Hiscox14.09%n/an/an/an/an/an/an/a81%
Nationwiden/an/an/an/an/an/a£26.50n/a81%
NatWestn/a£25n/an/a£15.90n/a£26.50n/a81%
RBSn/a£25n/an/a£15.90n/a£26.50n/a81%
BarclaysVariableUltdn/an/an/an/a£26.50n/a80%
Legal & General16.6%n/an/an/an/an/an/an/a78%
John Lewis Insurance21.06%n/an/an/an/an/an/an/a75%
More Than23.6%n/an/an/an/an/an/an/a75%
Privilege23.6%£25n/an/an/an/a£25n/a75%
The Co-operative Insurance18.5%n/an/an/a£12.50n/an/an/a73%
Aviva16.7%n/an/an/a£0 to £12 [b]n/a£29n/a69%
Churchill21%£25n/an/a£15n/a£25n/a68%
Direct Line21%£25n/an/a£15.90n/a£26.50n/a68%
Prudential23.6%£25n/an/a£15n/a£25n/a68%
LV8% flat raten/an/an/an/a£10£32n/a67%
Castle Cover24%£25n/an/a£25n/a£35n/a63%
RIAS24%£25n/an/a£25n/a£35n/a63%
Saga22.09%£25n/an/a£10£10£35n/a63%
Allianz27.58%n/an/an/an/a£0 to £12 [b]£50n/a60%
Esure25.6%£25n/an/a£20n/a£55n/a60%
Sheilas' Wheels25.6%£25n/an/a£20n/a£55n/a60%
Sainsbury's22%n/an/an/a£15.90n/a£26.50n/a60%
Tesco23.6%n/an/an/a£15.75n/a£20n/a60%
Admiral18.6%n/an/an/a£17.50£7.50£47.50£4.5060%
AXA32.5%n/an/an/a£0 to £30 [b]n/a£25n/a60%
Swiftcover31.4%n/an/an/a£0 to £30 [b]n/a£25n/a60%
Endsleigh17%n/an/an/a£20n/a£50n/a57%
The AA26.9%£25£5£9£12.50£15Up to £25£1255%
The Post Office24.5%n/an/an/a£20n/a£35£2051%
Bradford & Bingley29.9%n/an/an/a£20n/a£35£2051%
Zurich23.6%n/an/an/a£15£15£30£2047%
Budget29.9%n/an/an/a£30£3£45£2043%
Santander23.5%n/an/an/a£25£15£35£1243%

Table notes

All scores are based on making policy changes or requesting duplicate documents offline. Where an insurer charges no fee for online changes, we have footnoted this.

  1. 8.9% Service charge for web generated policies/12% service charge for call centre generated policies.
  2. No charge if online

Table correct at: December 2013

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