{"id":465664,"date":"2022-10-13T12:51:19","date_gmt":"2022-10-13T11:51:19","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=465664"},"modified":"2026-04-02T12:50:23","modified_gmt":"2026-04-02T11:50:23","slug":"car-insurance-admin-charges","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-admin-charges","title":{"rendered":"Car insurance admin charges"},"content":{"rendered":"<p>Have you moved house, changed career or started using your car to commute in the last few months? If so, have you let your car insurer know? If you haven\u2019t, we recommend doing so as soon as possible, as you risk invalidating your policy if you don\u2019t. The bad news is that such changes \u2013 or cancelling your policy early \u2013 can result in annoying administrative fees. While you may not be able to avoid such fees completely, there are ways to reduce admin charges \u2013 or challenge them if you think they\u2019re unfair. Here\u2019s the lowdown on car insurance admin charges.<\/p><h3>What are car insurance admin charges?<\/h3><p>Car insurance admin charges are fees that you may need to pay to your car insurer above and beyond your insurance premium. They most often apply when a car insurer has to cancel or make a change to your policy partway through an insurance term, though some insurers charge for other administrative tasks too. Most car insurance admin fees are fixed amounts, which can vary significantly depending on the insurer and the type of charge.<\/p><h3>Why do car insurers charge admin fees?<\/h3><p>Most insurers charge admin fees to cover the administrative cost of someone making changes to their policy. Every time someone updates their policy details, for example, the insurer may have to re-run their underwriting criteria to see if the change has an effect on the customer\u2019s risk and the premiums they pay.<\/p><p>This can have a cost to insurers. If they didn\u2019t charge admin fees, they might instead have to cover this cost in other ways \u2013 for example by spreading the cost across the premiums paid by all policyholders, regardless of whether they make changes.<\/p><p>While admin fees are allowed, they should be \u201creasonable\u201d and reflect the actual cost to the insurer.<\/p><h3>What are the different types of car insurance admin fees?<\/h3><p>The table below outlines the most common types of car insurance admin fees and when they apply. Bear in mind that admin fees will apply in addition to any changes to your underlying premium. For example, if you move to an address that the insurer regards as higher risk than where you lived before, your annual premium may increase.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th>Admin charge<\/th><th>When it may apply<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Adjustment fee<\/th><td>When you make a change to your policy, such as changing your name after getting married, moving address, changing profession, increasing your annual mileage or adding a named driver.<\/td><\/tr><tr><th>Cancellation fee<\/th><td>If you cancel your policy partway through a term. The level of the fee will depend on whether you cancel within the cooling-off period.<\/td><\/tr><tr><th>Duplicate document fee<\/th><td>If you request an additional, usually paper, copy of your policy documents. This is rarely applied in practice these days, partly because many insurers send policy documents in digital format.<\/td><\/tr><tr><th>Pay-monthly fee<\/th><td>An interest charge applied if you pay your premiums in monthly instalments rather than as an upfront, annual payment.<\/td><\/tr><tr><th>Renewal fee<\/th><td>May apply when you renew your policy. Renewal fees are pretty rare, but some brokers (that offer insurance from a panel of insurers) may apply them.<\/td><\/tr><\/tbody><\/table><h3>Do all car insurers charge the same amount for admin fees?<\/h3><p>No. Admin fees can vary quite significantly between car insurers, and a small number of insurers charge few or no admin fees at all.<\/p><p>If you know before taking out a policy that you are likely to need to make changes \u2013 if you plan to get married or move house, for example \u2013 you might want to take insurers\u2019 admin charges into account when you choose your policy.<\/p><h3>How much does it cost to make changes to my car insurance policy?<\/h3><p>Changes you might want (or need) to make to your car insurance policy partway through a term include the following:<\/p><ul><li>Changing your name \u2013 for example after getting married (or divorced)<\/li><li>Changing your contact details<\/li><li>Changing your car\u2019s registered address after <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/address-impact-on-car-insurance-premium\">moving house<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-after-changing-jobs\">Changing profession<\/a> after a career shift<\/li><li>Starting to use your car for <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-for-business-use\">business purposes<\/a><\/li><li>Increasing or decreasing your <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/mileage-affects-car-insurance\">annual mileage<\/a><\/li><li>Adding a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/named-driver-car-insurance\">named driver<\/a>.<\/li><\/ul><p>We checked the cost of making these kinds of changes with 5 of the UK\u2019s biggest car insurers \u2013 the table below shows the different approaches taken by different companies. It\u2019s worth noting that some insurers charge different amounts depending on the specific change you want to make. For example, Hastings Direct doesn\u2019t charge anything to change your name or marital status but would charge for a change of home address.<\/p><p>Bear in mind that, in some cases, adjustments you make can also affect your underlying premium, so even if there\u2019s no admin fee, you may need to pay for a premium increase. Don\u2019t be tempted to withhold relevant information from your insurer to avoid this, though. Doing so could invalidate your policy.<\/p><h4>Leading car insurer adjustment charges<\/h4><table class=\"luna-table js-tablesorter\"><thead class=\"luna-table__header\"><tr><th>Insurer<\/th><th>Adjustment fee \u2013 online<\/th><th>Adjustment fee \u2013 by phone<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Admiral<\/th><td>\u00a39.50*<\/td><td>\u00a325.00<\/td><\/tr><tr><th>AXA<\/th><td>\u00a30.00<\/td><td>\u00a310.00<\/td><\/tr><tr><th>Direct Line<\/th><td>\u00a30.00<\/td><td>\u00a30.00<\/td><\/tr><tr><th>esure<\/th><td>\u00a326.00<\/td><td>\u00a326.00<\/td><\/tr><tr><th>Hastings Direct<\/th><td>\u00a30-\u00a320.00**<\/td><td>\u00a30-\u00a320.00**<\/td><\/tr><\/tbody><\/table><p>Correct as of 26\/09\/2022. For changes made by logging into Admiral online account. Changes made by web chat incur a \u00a355 charge.*<br>\u00a30 for changes to name or marital status, email address, phone number or mileage. \u00a320 for other changes.**<\/p><h3>How much does it cost to cancel my car insurance policy?<\/h3><p>If you no longer need your car insurance policy \u2013 for example if you sell your car \u2013 you\u2019re entitled to cancel it.<\/p><p>However, <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/cancelling-car-insurance-guide\">cancelling your car insurance policy<\/a> before it\u2019s due to renew tends to incur one of the biggest admin fees, especially if you do so after your 14-day cooling-off period. Below, we show cancellation charges applied by 5 leading UK insurers. While a number of insurers don\u2019t charge a cancellation fee during cooling-off periods, the vast majority apply a fee to cancel after this.<\/p><p>Regardless of when you cancel, you will usually receive a pro-rata refund of your policy premiums, less a charge for the number of days for which you\u2019ve already been covered. However, you are unlikely to receive any refund at all if you\u2019ve made a claim during that period \u2013 but you may still have to pay a cancellation fee.<\/p><p>Bear in mind that most <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/no-claims-bonus\">no-claims bonuses<\/a> only accrue based on full years of cover, so you may lose that year\u2019s no-claims bonus if you cancel your policy mid-term. Depending on the level of the charges, and how long you have left on the policy, you may be better off letting it run its course (though make sure it doesn\u2019t auto-renew). Alternatively, you could ask about transferring it to a new car (if you have one).<\/p><h4>Leading car insurer cancellation charges<\/h4><table class=\"luna-table js-tablesorter\"><thead class=\"luna-table__header\"><tr><th>Insurer<\/th><th>Cancellation within 14 days <\/th><th>Cancellation after 14 days<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Admiral<\/th><td>\u00a325.00<\/td><td>\u00a355.00<\/td><\/tr><tr><th>AXA<\/th><td>\u00a30.00<\/td><td>\u00a352.50<\/td><\/tr><tr><th>Direct Line<\/th><td>\u00a30.00<\/td><td>\u00a348.16<\/td><\/tr><tr><th>esure<\/th><td>\u00a326.00<\/td><td>\u00a360.00<\/td><\/tr><tr><th>Hastings Direct<\/th><td>\u00a30.00<\/td><td>\u00a345.00<\/td><\/tr><\/tbody><\/table><p>Correct as of 26\/09\/2022<\/p><h4>What is a car insurance cooling-off period?<\/h4><p>A car insurance cooling-off period refers to the 14 days after your cover starts or you receive your policy documents (whichever is later). During this period, you are allowed to cancel your policy for any reason and receive a refund of the premiums. Your insurer will usually deduct a pro-rata amount for any days during which your cover was in place.<\/p><p>Insurers may still charge an admin fee to cover their costs. However, according to financial analysis firm <a href=\"https:\/\/www.defaqto.com\/media-centre\/press-releases\/defaqto-experts-find-car-insurance-fees-soar-in-five-years\/\" target=\"_blank\" rel=\"noopener\">Defaqto<\/a>, around half of insurers don\u2019t charge cancellation fees within the cooling-off period. And, where there are cancellation fees, they\u2019re typically lower than if you cancel after the cooling-off period.<\/p><h3>Where can I find out what a car insurer\u2019s admin fees are?<\/h3><p>Car insurers should make their admin charges clear to potential customers when they take out a quote, so read terms and conditions thoroughly before hitting the buy button.<\/p><p>In most cases, you should be able to find a summary of charges before getting a quote by searching the insurer\u2019s website. The details can sometimes take a bit of rummaging to wheedle out though. If you know you\u2019re going to need to make changes and can\u2019t easily find the specific details of relevant charges, contact the insurer directly.<\/p><p>If you already have cover, the charges should be clearly outlined in your policy documents.<\/p><h3>Can I reduce admin charges for car insurance?<\/h3><p>If you think there\u2019s a good chance you\u2019ll need to make changes that could incur admin charges, there are a couple of simple ways that could help keep the amount you\u2019ll pay to a minimum:<\/p><ol><li><strong>Opt for an insurer that charges low or no admin fees.<\/strong> As our tables above show, some providers don\u2019t charge admin fees to make policy adjustments or to cancel within your cooling-off period. You\u2019ll need to weigh this up against the cost of insurance premiums, though. The best approach might be to shortlist a few insurers that offer the best combination of cover and headline price and then check their admin fees.<\/li><li><strong>Make changes online rather than by phone.<\/strong> Many insurers charge lower adjustment fees if you make them online, for example by logging into your car insurance account. Some will even waive charges completely.<\/li><\/ol><h3>How to challenge car insurance admin charges<\/h3><p>It\u2019s not always possible to predict the changes that you might need to make to your car insurance. If you need to make a change and discover late in the day that your insurer\u2019s admin charges are higher than you expect, it could be worth challenging them using the following steps.<\/p><ol><li>Try negotiating with your insurer. If you\u2019re a loyal customer, it might be willing to reduce the fee level or waive it completely if it means they\u2019re more likely to retain your custom.<\/li><li>Put your complaint in writing. You may be able to argue that the fees are unfair if you don\u2019t think they reflect the true cost of administration. If you know that most other insurers charge lower fees, this could reinforce your point. Another argument in your favour is if the fees were not clearly outlined in the policy documentation you were given at the outset.<\/li><li>If steps 1 and 2 don\u2019t work, complain to the Financial Ombudsman Service (FOS). You can escalate your concerns to the FOS 8 weeks after making your initial complaint. There have been cases in which the FOS has ruled admin charges to be unfair due to them having been poorly explained to the policyholder or not clearly outlined in policy documents.<\/li><\/ol><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/1 no-padding-bottom\"><h3 class=\"has-padding-bottom-x-small\">Should I switch car insurance providers if its admin charges are too high?<\/h3><\/div><div class=\"u-grid__col u-1\/6@s\"><p><img decoding=\"async\" class=\"luna-avatar luna-avatar--large\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\" alt=\"Danny Butler\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/p><div class=\"has-padding-top-small text-x-small\"><em>Finder insurance expert <a href=\"https:\/\/www.finder.com\/uk\/author\/dannybutler\">Danny Butler<\/a> answers <\/em><\/div><\/div><div class=\"u-grid__col u-10\/12@s no-padding-bottom\"><p>As is often the case, there\u2019s no black and white answer to this.<\/p><p>Here at Finder, we advocate shopping around for car insurance every year, and switching if you find a better deal. But many people go years without needing to make any mid-term changes to their insurance policies. And even if you are expecting to make changes during the year following renewal \u2013 to your personal details or the car you drive \u2013 then admin charges are likely to be a minor consideration relative to getting the right car insurance cover for the best premium. There\u2019s no point in paying \u00a3100 extra in premiums to save on a \u00a325 adjustment fee, for example.<\/p><p>That said, if you\u2019re coming up for renewal, it\u2019s worth taking admin fees into account when you take out car insurance cover \u2013 especially if you anticipate needing to make a few changes after you take out the policy (getting married followed by a house move, for example). At worst, it\u2019ll mean you\u2019ll avoid unpleasant surprises. And it could help sway your decision between 2 insurers with otherwise competitive premiums and levels of cover.<\/p><\/div><\/div><\/div><\/article><h3>Bottom line<\/h3><p>Nobody likes to be hit with unexpected admin fees as a result of factors that are often outside of their control, which is why it\u2019s important that car insurers make all their admin fees clear from the outset. Use this guide to get a good grasp of the kinds of fees you might encounter, and check your chosen provider\u2019s small print before you take out cover \u2013 especially if you anticipate needing to make changes to your policy. If your insurer applies an admin fee and you think it\u2019s too high, or it wasn\u2019t clearly explained in your policy documents, you may be able to challenge it.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What do insurance admin charges cover?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">A<p>n admin charge or fee is often applied to cover the administrative costs associated with making changes to an insurance policy or cancelling a contract before it is due to end. In some cases, insurance providers also apply admin charges for renewals or duplicate paperwork.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Are insurance companies allowed to charge admin fees?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. However, they must be reasonable and proportionate to an insurer\u2019s costs. They must also be clearly spelled out in policy documents.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Are admin charges affected by how I make changes?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>They can be, depending on the insurer. You may be able to reduce admin charges if you make changes online, for example within your online account, rather than making them by phone.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What is the cooling-off period for car insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You have 14 days from the date your insurance policy starts or you receive your policy documents (whichever is later) to cancel your policy and receive a refund. You don\u2019t have to give a reason. Your insurer may make a pro-rata deduction for the handful of days you\u2019ve held insurance. Insurers are also allowed to charge cancellation fees during this period. However, these fees are typically lower than charging after the cooling-off period, and some insurers don\u2019t charge at all.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        font-size: 11px;\n    }\n\n    .survey-response 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