Two hubs
Pick your cover
Admiral, Direct Line, Aviva, Hastings Direct, Churchill, LV= — 5 of 6 numbers traced to the insurer's own published pages.
LV=, Direct Line, Churchill, Aviva, AXA — 4 of 5 numbers traced to the insurer's own published pages.
The rule
Why insurance is different from every other bill
Insurance is the one category where the regulator caps what you can be charged relative to a new customer. Since 1 January 2022 an insurer cannot quote you more to renew than it would quote an equivalent new customer for the same cover through the same channel.
Nothing like that exists for broadband, mobile or energy — those regulators require disclosure, not price parity. It makes one specific question always legitimate here: what would you charge a new customer like me? The full explainer is here. Verified
Sourcing
Where this comes from
| Claim | Source | Checked |
|---|---|---|
| Renewal price rule (PS21/5 / ICOBS 6B) | FCA Policy Statement PS21/5; FCA Evaluation Paper 25/2, 22 July 2025 | 26 July 2026 |
| Each provider’s number and its label | Sourced on that provider’s own page — follow the link for the full table | Dated on each page |
Bill Watch
One email, three weeks before your renewal or fixed deal ends, telling you it's time to shop around. Free, and that's the whole product.
No spam, no sharing your address, unsubscribe in one click. We'll email you once to confirm — the reminder only starts after you click that link.