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.

Our Charges Score shows how well the provider has performed in our Which? Recommended Providers analysis on the basis of how expensive its fees are.

Our Transparency of charges rating shows how clear policyholders thought their insurer was about its fees when we last surveyed them.

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

10 Best For Fees
ProviderAPR (monthly payments)Renewal FeePolicy setup feePolicy adjustment feeDuplicate documents feeCancellation feeCredit card feeSwitching feeaWhich? fee score
Age UK0000000£4098%
RBS00000£270£5095%
Santander00000£250£4093%
NFU Mutual2.70%000000088%
Lloyds Bank0000000088%
Marks and Spencer0000000088%
Nationwide Building Society00000£26.500083%
BarclaysVariable0000£250Ultd82%
HSBC0£10.6000000081%
Insure 4 Retirement22.69%0000£300£5080%
10 Worst For Fees
Post OfficeVariable£200£0-£20£30£350046%
The AA26.90%£12.50-£15£9-£18£15£15£20-£401.5%£25-£5046%
Budget29.90%00£25£5£451.5%050%
Sheilas' Wheels25.50%£2000£20£550£2553%
Admiral21.90%00£19.50£7.50£47.50£5.95053%
Endsleigh39.70%£15£0-£1500£200058%
Bradford & Bingley29.90%00£200£350058%
Castle Cover24%£0-£250£0-£100£350£2559%
SwiftcoverVariable00£0-£30£0-£30£250060%
AXAVariable00£0-£30£0-£30£250060%
Esure25.50%£20000£550£2562%
Additional Which? Recommended Providers
John Lewis21.10%000000075%

 

We examined the fees and charges of 36 insurers. Each insurer was rated for each of its different fees compared to what others charged in the survey. The Which? Fee Score is the insurer's combined total score as a proportion of the maximum score achievable. The table shows the ten insurers with the highest Fee Score, the ten with the lowest, along with our four Which? Recommended Providers - Saga, John Lewis and Insure 4 Retirement. Table correct at June 2015.

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Which Ltd is an Introducer Appointed Representative of Which? Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority. Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Your home may be repossessed if you do not keep up repayments on your mortgage.