Home insurance Which? Recommended Providers

Recommended Provider Icon HI

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 an average or above policy scores and a good customer score
  • 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
HiscoxaWhich? Recommendation badge78%86%90%83%
NFU MutualbWhich? Recommendation badge83%79%84%82%
John Lewis InsurancecWhich? Recommendation badge77%85%84%81%
Marks & Spencer BankdWhich? Recommendation badge69%81%86%76%
EcclesiasticalWhich? Recommendation badge72%78%79%75%
LV=Which? Recommendation badge74%73%71%73%
Insure4retirementeWhich? Recommendation badge65%79%76%71%
Nationwide BSf 62%81%79%71%
UIA InsuranceWhich? Recommendation badge70%73%71%71%
RIASeWhich? Recommendation badge64%79%74%70%
NatWest 60%80%74%68%
Age UK 67%71%67%68%
The Co-operative Insurance 68%66%68%68%
Royal Bank of Scotland 57%80%74%67%
Direct Line 60%72%71%66%
Sainsbury's Bankg 61%73%67%65%
Sagaeh 63%68%67%65%
Barclays 55%78%69%64%
Prudential 59%70%68%64%
Privilege 55%74%72%64%
More Than 56%73%68%63%
Post Office Insurance Servicese 60%69%61%63%
Castle Covereh 60%64%64%62%
HSBC 56%69%66%62%
Lloyds TSBei 56%62%73%62%
Endsleigh Insurance Servicese 62%61%62%62%
Legal & General 56%68%66%62%
Tesco Bankej 57%68%64%61%
Sheilas' Wheels 60%58%66%61%
Aviva 54%68%67%61%
Swiftcover 59%61%62%60%
Churchill 57%61%65%60%
AA Insurance Servicese 55%62%67%60%
Halifaxei 52%62%73%60%
esure 57%62%61%59%
Axa Insurance 52%64%68%59%
Allianz Insurance 49%64%65%57%
Bank of Scotlandei 44%62%73%56%
Santander 45%62%60%53%
Budget Insurance Servicese 42%63%64%53%
Average 63%70%70%65%

Table notes

Customer score data based on a survey of 13,453 Which? Connect online community members in April 2012 and November 2012. Policy scores are based on the provider's standard policy. Building and Content policy score is our assessment of the quality of standard policies from each of the providers, comparing 39 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. Refers to the 505 home and contents policy and the high-value policy.
  2. 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.
  3. Formerly branded Greenbee
  4. Policy score for M&S Premier Cover: 90% building score, 90% content policy score
  5. Provider chooses from a panel of insurers
  6. Nationwide also have a Essentials policy which has a 73% building score, 66% content policy score
  7. Policy score for Premier Cover: 82% building score, 81% content policy score
  8. Customers must be over 50
  9. Policy score shown is for Home Options which is available online. Home Solutions which is available in branch, has a building policy score of 77% and content policy score of 79%
  10. Policy score for Tesco Banks Finest Cover: 79% building score, 83% content policy score

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