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Key information for members of the Which? Pension Scheme

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Coronavirus Measures - how to contact the Pensions Team

If you currently work for Which? or you once did (or for one of its associated companies including Consumers’ Association Ltd, RICA, Which? Financial Services), you will find key information about your membership of the the Pension Scheme on these pages.

The Scheme is formally known as the Consumers’ Association Pension and Employee Benefit Scheme.

If you are a current employee you can also find additional information under the Pensions Team section of the Intranet.


If you were working for Which? on or after 1st October 2012, you may have been auto-enrolled into the Scheme, dependent upon you meeting the legislative age and salary criteria.

For employees of Which? Financial Services the start date for auto-enrolment was 1st July 2014 and for RICA it was 1st April 2017.

If you stopped working for Which? before these dates, it was up to you whether you joined the Scheme.

The Scheme is split into the DC Section (defined contribution) and the Hybrid Section (defined benefit).

The DC Section of the Scheme was launched in April 2004, so if you started working for Which? before then, you may have been a member of the Hybrid Section of the Scheme.

If you have any questions about the Scheme - including whether you were ever a member – please contact us.

Coronavirus Measures - how to contact the Pensions Team

Following the prime minister's advice that everyone should be further avoiding social contact, the Which? Pensions Team will work remotely from 17 March 2020 until further notice.  

If you need to send personal information by email, please request a "ShareFile link" from pensions@which.co.uk.  We will send you a link which will enable you to send the information to us securely.

Email: pensions@which.co.uk

Telephone: We have several numbers on which you can contact us/leave a message - 

020 7770 7015
020 7770 7505 
020 7770 7553
020 7770 7817

Until further notice please use the following address for any correspondence by post:

Which? Pensions
55b Wood Street
OX10 0AY