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 (%)
Age UKn/a£40n/an/an/an/an/aFair98%
Lloyds Bankn/a£25n/an/an/an/an/a Fair96%
Halifaxn/a£25n/an/an/an/an/a Fair96%
UIA Insurancen/a£25n/an/an/an/an/a -96%
NatWestn/a£50n/an/an/an/a£26.50 Poor93%
RBSn/a£50n/an/an/an/a£26.50 Poor93%
M&S Bankn/an/an/an/an/an/an/a Fair89%
Ecclesiastical16.2% [a]£25n/an/an/an/an/a -86%
NFU Mutual2.75%n/an/an/an/an/an/a Good86%
HSBCn/a£25n/an/a£10.60n/an/a Poor84%
Hiscox14.09%n/an/an/an/an/an/a -83%
Nationwide BSn/an/an/an/an/an/a£26.50 Fair82%
Santander23.5%£40n/an/an/an/a£26.50 Poor79%
Insure4 Retirement26.9%£30n/an/an/an/a£25 Fair76%
John Lewis Insurance21.1%n/an/an/an/an/an/aExcellent76%
More Than23.6%n/an/an/an/an/an/a Fair76%
Prudential23.6%£25n/an/an/an/a£25 Fair76%
BarclaysVariableUltdn/an/a£12n/a£25 Poor76%
Privilege23.6%£25n/an/a£15.90n/a£37.10 Poor74%
Sainsbury's Bank21.8%£25n/an/an/an/a£26.50 Fair70%
AvivaVariable [b]n/an/a £12.72n/a£30.74 Poor69%
The Co-operative Insurance18.5%n/an/a£12.50£12.50n/an/a Fair68%
Churchill20.8%£25n/an/a£15.90n/a£37.10 Fair68%
Direct Line20.5%£25n/an/a£15.90n/a£37.10 Fair68%
Castle Cover24%£25n/an/a£25n/a£35 Poor65%
RIAS24%£25n/an/a£25n/a£35 Fair65%
Saga22.9%£25n/an/a£10£10£35 Fair65%
Esure25.5%£25n/an/a£20n/a£55 Poor63%
Sheilas' Wheels25.5%£25n/an/a£20n/a£55 Poor63%
Tesco28.8%n/an/an/a£15.75n/a£20 Fair63%
Allianz24.4%n/an/an/a£25Up to £12 [c]£15 Fair61%
LV24.9%n/an/an/a£15n/a£32 Fair61%
AXAVariable [d]n/an/an/aUp to £30 [e]Up to £30 [e]£25 Poor58%
SwiftcoverVariable [d]n/an/an/aUp to £30 [e]Up to £30 [e]£25 Poor58%
Admiral18.6%n/an/an/a£19.50£7.50£47.50 Poor56%
The Post Office24.5%n/an/an/a£20Free online£35 Excellent55%
Endsleigh39.7%n/a£15n/a£15n/a£20 Poor54%
The AA26.9%£25n/a£9£15£15£25 Fair53%
Bradford & Bingley29.9%n/an/an/a£20n/a£35 -52%
Zurich26.2%n/an/an/a£15£15£30 Poor48%

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 May 2014. '-' means that not enough respondents replied to give the provider a rating.

  1. Over 12 months; 12.7% over 5 months
  2. Typical 13.5%
  3. Where documents are posted
  4. 26.2%-39.3%
  5. Free online

Table correct at: June 2014

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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, Which? Insurance Advisers and Which? Money Compare are trading names of Which? Financial Services Limited.