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

Home insurance charges
ProviderAPR for monthly premiums (%)Switching Fee (£)Policy renewal fee (£)Policy set up fee (£)Policy adjustment fee (£)Duplicate document fee (£)Cancellation fee (£)TransparencyWhich? charges score (%)
UIA Insurancen/a£50n/an/an/an/an/a -100%
Age UKn/a£40n/an/an/an/an/aFair98%
Lloyds Bankn/a£25n/an/an/an/an/a Fair95%
NatWestn/a£50n/an/an/an/a£26.50 Fair93%
RBSn/a£50n/an/an/an/a£26.50 Fair93%
Santandern/a£40n/an/an/an/aUp to £26.50 Fair90%
M&S Bankn/an/an/an/an/an/an/a Fair88%
NFU Mutual2.75%n/an/an/an/an/an/a Good85%
HSBCn/an/an/an/a£10.60n/an/a Fair83%
Nationwide BSn/an/an/an/an/an/a£26.50 Fair81%
Insure4 Retirement12.40%£30n/an/an/an/a£30 Fair79%
Legal & General Insurance16.60%n/an/an/an/an/an/a Fair78%
John Lewis Insurance21.10%n/an/an/an/an/an/aGood75%
More Than23.60%n/an/an/an/an/an/a Fair75%
The Co-operative Insurance18.50%n/an/an/a£12.50£12.50n/a Good69%
AvivaVariablen/an/an/aUp to £12.72n/a£30.74Fair67%
Allianz26%n/an/an/an/an/a£50 Fair63%
Castle Cover24%£25n/an/a£25n/a£35 Fair63%
RIAS24%£25n/an/a£25n/a£35 Fair63%
Saga22.9%£25n/an/a£10£10£35 Fair63%
Esure25.5%£25n/an/a£20n/a£35-£55 [a] Fair60%
Sainsbury's Bank21.7%n/an/an/a£15.90n/a£26.50 Fair60%
Sheilas' Wheels25.5%£25n/an/a£20n/a£35-£55 [a] Fair60%
Tesco28.8%n/an/an/a£15.75n/a£20 Fair60%
AXAVariablen/an/an/aUp to £30 [b]Up to £30 [b]£25 Fair58%
LV24.90%n/an/an/a£15 [c]n/a£32 Fair58%
SwiftcoverVariablen/an/an/aUp to £30 [b]Up to £30 [b]£25-58%
The Post OfficeVariablen/an/an/a£20n/an/a Excellent56%
The AA26.90%£25n/a£9£15£15£20 Fair53%
Zurich23.60%n/an/an/a£15£15£30Fair 48%

Table notes

For the Transparency star ratings, we asked policyholders from the general public to rate their insurer for the transparency of their charges in November and December 2014. '-' means that not enough respondents replied to give the provider a rating.

  1. £55 in year 1; £35 in subsequent years
  2. Free online
  3. Change of address only
  4. Depending on circumstances

Table correct at: June 2014

More on this...

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.