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Home insurance Which? Recommended Providers

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To be a Which? Recommended Provider a home insurer must have a high quality product with above average customer service. We combine our latest customer satisfaction results along with our assessment of each provider's standard buildings and contents policy to select the best home insurance providers on the market.

Which? Recommended Providers must:

  • be highly rated by Which? members
  • have average or above customer and policy scores
  • meet our minimum standards for inclusion and be regulated by the Financial Services Authority
  • be directly available to the general public
Home insurance - Which? Recommended Providers
InsurerWhich? recommended providerCustomer
score
Building policy scoreContent policy scoreTotal score
NFU MutualaWhich? Recommendation badge83%78%82%81%
HiscoxbWhich? Recommendation badge78%82%83%80%
John Lewis InsuranceWhich? Recommendation badge78%81%82%80%
Marks & SpencerWhich? Recommendation badge70%75%83%74%
LV=cWhich? Recommendation badge74%74%69%73%
EcclesiasticalWhich? Recommendation badge73%71%70%72%
Age UK 70%75%67%71%
RIASdWhich? Recommendation badge69%74%70%70%
The Co-operative Insurance 74%62%70%70%
Insure4RetirementdWhich? Recommendation badge66%73%74%70%
UIA Insurance 66%71%68%68%
Sagad 66%69%68%67%
Direct Line 61%71%63%64%
Nationwide BS 56%75%69%64%
More Th>n 59%70%68%64%
Barclays 58%72%67%64%
Tesco Bank 59%67%68%63%
HSBC 57%70%68%63%
Castle Coverd 62%64%60%62%
Churchill Insurance 58%59%65%60%
Aviva 52%66%67%59%
Legal and General 52%66%65%59%
Allianz Insurance 47%66%68%57%
AA Insurance 55%55%58%56%
Axa Insurance 50%55%58%53%
Budget Insurance   Proceed with care44%64%59%53%
SantanderProceed with care41%63%60%51%
Average 62%69%69% 

Table notes

Customer score is calculated using a combination of overall satisfaction and how likely members are to recommend the provider to a friend, based on an online survey of 12,038 Which? Connect community members in April and December 2011. Building and Content policy score is our assessment of the quality of standard polices from each of the providers, comparing 42 and 54 categories from each policy type respectively to come out with each overall score. Total score is made up of 50% of the Customer score and 25% each of Building and Content policy scores. 

 

  1. Policies only available via direct sales forces and local agents and may not cover all risks or postcodes (particularly in major cities).  Check on 0800 3164661.
  2. Refers to the 505 Home and Content policy and not the high-value policy
  3. Also available from Frizzell that provides a discount for customers who are a member of NAHT, CSMA, Unison, ASCL, PCS or Unite
  4. You must be over 50 to take out a policy