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 the general public
  • have an average or above policy score and a good customer score (70% or more)
  • meet our minimum standards for inclusion and be regulated by the Financial Conduct Authority
  • be directly available to the general public
Home insurance - Which? Recommended Providers
InsurerWhich? Recommended ProviderCustomer
Building policy scoreContents policy scoreTotal score
EcclesiasticalWhich? Recommendation badge79%83%76%79%
NFU MutualaWhich? Recommendation badge71%79%83%76%
Nationwide BSb 69%82%82%76%
Hiscoxc 62%85%89%75%
Insure4retirementd Which? Recommendation badge73%79%69%73%
Marks & Spencer Banke 61%81%86%72%
John Lewis InsurancefWhich? Recommendation badge70%76%72%72%
Age UKWhich? Recommendation badge71%72%72%72%
RIASg 68%77%71%71%
NatWest 65%79%73%70%
LV= 65%72%74%69%
Barclays 62%79%72%69%
Aviva 63%77%71%68%
Tesco Bank 64%74%71%68%
Castle Coverdh 68%70%66%68%
Royal Bank of Scotland 60%79%73%68%
Sagah 65%69%68%67%
Sainsbury's Banki 64%72%66%67%
Direct Line 62%70%69%66%
The Co-operative Insurance 65%65%68%66%
AA Insurance Servicesd 57%70%74%64%
Prudential 62%67%66%64%
Bank of Scotlandd 61%64%71%64%
Axa Insurance 60%64%69%63%
Halifaxd 59%64%71%63%
Privilege 55%72%70%63%
More Than 61%68%62%63%
Post Office 62%65%62%63%
Admiral 61%65%62%62%
esure 55%70%60%62%
Churchill 55%60%64%61%
Lloyds Bankdj 55%64%71%61%
Legal & General 55%67%67%61%
Bradford and Bingley 60%62%60%60%
Sheilas' Wheels 53%73%62%60%
HSBC 52%69%66%60%
Endsleigh Insurance Servicesd 59%59%61%59%
Zurich 54%66%61%59%
Santander 56%63%58%58%
Swiftcover 53%61%63%58%
Allianz Insurance 49%59%65%55%
Budget Insurance Servicesd 45%63%63%54%
Average 61%70%69%66%

Table notes

Customer score data based on a survey of 3,092 respondents from the general public telling us about their home insurance provider in November 2013. Policy scores are based on the provider's standard policy. Building and Contents 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. Providers must receive a minimum sample size of 30 respondents to generate a customer score and inclusion in the table. Total score is made up of 50% of the Customer score and 25% each of Building and Contents 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. Nationwide also have a Essentials policy which has a 72% building score, 68% contents policy score
  3. Refers to the 505 home and contents policy and the high-value policy
  4. Provider chooses from a panel of insurers
  5. Policy score for M&S Premier Cover: 90% building score, 89% contents policy score
  6. Policy score based on John Lewis Plus Policy
  7. Since August 2013, RIAS's home insurance policies are fully owned and underwritten by Ageas
  8. Customers must be over 50
  9. Policy score for Premier Cover: 81% building score, 80% contents policy score
  10. Policy score shown is for Home Options which is available online. The same policy is also available branded as TSB


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