uSwitch review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

uSwitch is a GB comparison site that suits people who want to shop several cover types in one place rather than commit to a single insurer. Monthly payments are available, and the lowest travel price listed starts at £3, a good deal for filling several policies at once.

Key facts

Best for
People in the UK who want to price up several kinds of cover in one place and pay monthly.
Premium from
£3 (Source, checked September 26, 2026)
Insurance types
Auto, Van, Motorcycle, Breakdown, Home, Life, Critical-illness, Health, Income-protection, Pet, Travel, Home-emergency (Source, checked September 26, 2026)
Provider type
Comparison site (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
£0 to £1,000 (Source, checked September 26, 2026)
Legal entity
Uswitch Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Chat, Email, Help-centre (Source, checked September 26, 2026)
Audience
Seniors
Pricing model
Monthly
Official website
uswitch.com

Business insurance

Provider type
Comparison site (Source, checked September 26, 2026)
Cover types
Public-liability, Professional-indemnity, Employers-liability (Source, checked September 26, 2026)
Premium from
£3 (Source, checked September 26, 2026)
Excess from
£0 to £1,000 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Legal entity
Uswitch Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Chat, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXTrustpilotLinkedIn

Pros and cons

Pros

  • Cover runs across personal and business lines, including auto, van and motorcycle and public liability, professional indemnity and employers liability.
  • Monthly payments are available, so premiums can be spread across the year rather than paid in a single lump.
  • The lowest starting premium listed is £3, which sits at the low end of the market range.
  • It is authorised and regulated in the UK under the 746985 licence, so the comparison side is overseen.
  • Help runs on chat, email and help centre, so you can start in chat and follow up in writing.

Cons

  • uSwitch is a comparison site, so the policy you end up with is underwritten by the provider named on your quote rather than with uSwitch.
  • Support runs on chat, email and help centre only, so anyone who wants to pick up the phone is not covered.
  • The starting price of £3 applies to travel cover, and car, home and life cover are quoted separately.
  • The excess on car cover starts at £0 to £1,000, so some quotes still leave you paying part of a claim.
uSwitch

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Scored 9.1 / 10 by AssureCue.

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Who it suits

  • People in the UK who want to compare several kinds of personal cover in one visit.
  • Anyone who would rather pay monthly than settle an annual premium in one go.
  • Small business owners looking for public liability, professional indemnity or employers liability quotes side by side.

Who should look elsewhere

  • People who want to hold one insurer directly, since a comparison site only introduces you to the providers.
  • Readers who want phone support, as help runs on chat, email and help centre only.
  • Good Sam Insurance Agency, for a direct provider relationship rather than shopping across the whole market each time.

Regulation

uSwitch is a comparison site rather than an insurer, so what you are really buying is a way to shop and a set of answers from the providers behind it. The site is authorised and regulated in the UK under the 746985 licence, which is the registration that matters if anything about the comparison service goes wrong. Once you pick a policy, the contract sits with the provider shown on your quote, not with uSwitch, so the regulation covers the service you use to compare rather than the cover itself. That distinction matters most when a claim goes wrong: the first call is to the provider named on your documents, and the 746985 registration keeps the comparison side accountable while you are choosing.

What cover costs

The lowest starting price listed is £3 on travel cover, which puts a single trip policy at the cheap end of the market. Car cover is priced separately, and the excess you can be asked to pay starts at £0 to £1,000, so the cheapest quote on a policy is not always the cheapest policy to run. An excess is the part of a claim you keep, and a higher excess usually shows up as a lower monthly price, which is worth weighing if you would rather not hold back cash for a claim. Monthly payments are available, so the premium is spread across the year instead of being settled up front. That makes budgeting easier, and it can help if you would otherwise put off taking out cover at all. The trade-off is that a monthly figure is a way of paying, not a cheaper price.

Safety and regulation

The point of safety here is knowing who stands behind what you buy. uSwitch handles the comparing, and the 746985 licence shows the service operates under UK regulation. As a comparison site, it does not carry risk on your behalf: the insurer or provider you choose is the one that pays a claim and the one you deal with at claims time. That is a sensible split for most people, because it lets you shop the market and take the policy from the provider whose cover fits, while the regulatory registration keeps the comparison side answerable. Read the provider name on your quote as the firm that stands behind the cover, and treat the registration as reassurance about the site that introduced it.

Who runs it

uSwitch is run by Uswitch Limited, a company based in the United Kingdom and founded in 2000, which gives the service a long record in the comparison market. The UK authorisation behind it is the 746985 licence. Support runs on chat, email and help centre, so you can begin a question in chat, keep the answer in your inbox by email, or read through the help centre when you want to look something up yourself. Help is arranged around self service rather than a phone line, so it suits people who would rather start a query and read a written reply than arrange a call. The business side covers public liability, professional indemnity and employers liability, so the same site handles a personal policy and a small business quote.

How uSwitch compares

Where uSwitch is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (746985), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does cover start from on uSwitch?+

The lowest starting price listed is £3, on travel cover. That figure is the cheapest entry point for a single policy, not a typical price across the range. Car, home and life cover are quoted separately, so the number you see for one type does not predict another. Expect the starting price to be the smallest quote rather than the usual one.

Can I pay monthly instead of once a year?+

Yes, monthly payments are available on the cover you quote for. The premium is then spread across the year in regular amounts, which can make the cost easier to fit into a monthly budget. Monthly payment is a way of settling the same premium, so the total cost does not necessarily change. It suits people who would rather not commit a large sum in one payment.

Is uSwitch an insurer or a comparison site?+

uSwitch is a comparison site, which means it helps you shop and compares the answers you get back rather than carrying the risk itself. The policy you end up with is underwritten by the provider named on your quote, and a claim is handled with that provider. Knowing which side of the arrangement you are on makes the paperwork easier to follow when something needs to change.

Who regulates uSwitch in the UK?+

The service is authorised and regulated in the UK, which is shown by the 746985 licence. That registration applies to the comparison service you use while you shop, not to the cover itself. Cover risk sits with the provider you choose, and the regulation covers the site that introduced you to them. Both sides matter when you read a quote.

What kinds of insurance can I quote for?+

The personal range spans auto, van and motorcycle, so car, home, life, health, travel, pet and protection cover all sit under one roof. The business side adds public liability, professional indemnity and employers liability, which is useful if you are self employed or run a small company. Having both ranges in one place means a second quote takes minutes rather than a fresh search.

How do I get help if something goes wrong with a quote?+

Support runs on chat, email and help centre, so you can raise a question in chat, follow it up in writing by email, or browse the help centre yourself. That arrangement suits people who would rather start a query and read a reply than book a call. Once a policy is in place, the claim itself runs with the provider named on your documents.

Who is uSwitch aimed at?+

The stated audience is seniors, so the service is built with older customers in mind. The comparison format suits anyone who wants to see several quotes at once, though the range of cover runs wider than that audience alone. The account is set up in your own name, and quotes come back from providers rather than from a single house insurer.

What excess should I expect on car cover?+

The excess on car cover starts at £0 to £1,000, which is the amount of a claim you would cover yourself. A higher excess usually comes with a cheaper quote, so the lowest premium is not always the lowest cost once a claim is settled. If you would rather keep some cash set aside, compare the total price rather than the monthly figure alone. The figure is a starting point, so check what your own quote shows.

Sources

  • uswitch.com checked September 26, 2026

    Backs: Provider type, Headquarters, Insurance types, Legal entity, Licences

    “Our service is free to use but depending on the product or service you choose we may receive a commission. We are a credit broker, not a lender.”

  • uswitch.com/about-us checked September 26, 2026

    Backs: Founded

    “Since we launched in September 2000, we've helped customers save over £2.7 billion on their bills”

  • uswitch.com/about-us/contact-us checked September 26, 2026

    Backs: Support channels

    “Find answers in our expert guides, or chat with our friendly customer support team. The quickest way to get an answer is with our chat tool, but you can also reach us by email at...”

  • uswitch.com/business/business-insurance/public-liability-... checked September 26, 2026

    Backs: Cover types

    “Compare public liability insurance for your business”

  • uswitch.com/car-insurance checked September 26, 2026

    Backs: Audience, Monthly payments

    “Over 50s car insurance”

  • uswitch.com/car-insurance/guides/excess-explained checked September 26, 2026

    Backs: Excess from

    “Your voluntary excess can be set as low as £0 or as high as £1,000.”

  • uswitch.com/life-insurance checked September 26, 2026

    Backs: Pricing model

    “You pay monthly premiums and, if you die while your policy is active, the insurer pays a lump sum to your chosen beneficiaries.”

  • uswitch.com/travel-insurance checked September 26, 2026

    Backs: Premium from

    “you could get travel insurance from £3* - Cheapest single-trip travel insurance policy for 1 adult aged 30 with no pre-existing conditions, travelling to Spain for 3 nights. Uswitch data, April 2025.”

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

uSwitch

uSwitch

People in the UK who want to price up several kinds of cover in one place and pay monthly.

9.1/10See alternatives

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