Home insurance
Start your search for a good value home insurer by looking at Fairer Finance's latest ratings.
Our ratings are designed to help customers make more informed decisions, but they should not be taken as recommendations or advice. Every customer has different needs, and our ratings are simply designed as a short cut to help consumers make sense of the complex world of financial products.
These are our customer experience ratings from our Autumn 2026 batch, published 25 September 2026.
|
Brand
|
Customer happiness score
|
Customer trust score
|
Complaints
|
Transparency
|
Overall
|
|
|---|---|---|---|---|---|---|
|
Ecclesiastical
|
68% | 75% | 79% | 84% | 77% |
|
|
NFU Mutual
|
70% | 69% | 73% | 84% | 74% |
|
|
TSB
|
70% | 65% | 67% | 87% | 72% |
|
|
Lloyds Bank
|
65% | 65% | 71% | 77% | 69% |
|
|
Royal Bank of Scotland
|
67% | 65% | 69% | 74% | 69% |
|
|
Bank of Scotland
|
65% | 62% | 71% | 75% | 68% |
|
|
Saga
|
65% | 63% | 65% | 79% | 68% |
|
|
Co-operative Insurance
|
63% | 61% | 63% | 84% | 68% |
|
|
NatWest
|
62% | 66% | 69% | 73% | 68% |
|
Santander
|
63% | 61% | 67% | 77% | 67% |
|
|
Nationwide
|
62% | 66% | 62% | 77% | 67% |
|
|
HSBC
|
66% | 60% | 67% | 73% | 66% |
|
|
Churchill
|
59% | 56% | 69% | 80% | 66% |
|
|
Halifax
|
59% | 57% | 71% | 78% | 66% |
|
|
Policy Expert
|
55% | 49% | 79% | 82% | 66% |
|
|
Direct Line
|
61% | 57% | 69% | 76% | 66% |
|
|
John Lewis
|
57% | 66% | 58% | 81% | 66% |
|
|
Lemonade
|
61% | 49% | 95% | 57% | 66% |
|
AA
|
60% | 57% | 66% | 79% | 65% |
|
|
Aviva
|
58% | 56% | 67% | 78% | 65% |
|
|
Admiral
|
59% | 55% | 63% | 82% | 65% |
|
|
MBNA
|
54% | 49% | 72% | 84% | 65% |
| Tesco Insurance | 60% | 55% | 61% | 77% | 63% | |
| Co-operative Bank | 61% | 58% | 63% | 69% | 63% | |
| LV= | 59% | 55% | 63% | 75% | 63% | |
| Age UK Trading | 62% | 55% | 63% | 72% | 63% | |
| Hastings Direct | 55% | 51% | 66% | 78% | 63% | |
| First Direct | 58% | 55% | 67% | 68% | 62% | |
| AXA | 58% | 54% | 58% | 78% | 62% | |
| Allianz | 53% | 50% | 66% | 79% | 62% | |
| Sky | 59% | 50% | 74% | 63% | 61% | |
| Quotemehappy | 53% | 41% | 67% | 83% | 61% | |
| Uinsure | 58% | 54% | 70% | 61% | 61% | |
| Homeprotect | 51% | 42% | 60% | 88% | 60% | |
| Privilege | 51% | 43% | 69% | 76% | 60% | |
| One Call Insurance | 53% | 45% | 65% | 77% | 60% | |
| Swinton | 53% | 48% | 63% | 74% | 60% | |
| Sheilas' Wheels | 57% | 52% | 56% | 73% | 59% | |
| More Than | 51% | 44% | 62% | 80% | 59% | |
| RIAS | 55% | 51% | 57% | 73% | 59% | |
| Post Office | 54% | 47% | 57% | 74% | 58% | |
| Ageas | 51% | 46% | 57% | 78% | 58% | |
| esure | 53% | 47% | 56% | 75% | 58% | |
| Swiftcover | 57% | 42% | 58% | 73% | 58% | |
| Urban Jungle | 58% | 49% | 51% | 63% | 55% | |
| Intelligent Insurance | 43% | 38% | 62% | 59% | 51% | |
| Frontier | 40% | 36% | 55% | 62% | 48% |
Customer experience ratings from our Autumn 2026 batch, published 25 September 2026