Couples could pay up to £51 more for home insurance depending on their relationship status, according to new analysis by consumer group Which?. The data, based on Compare the Market information, reveals that married homeowners face the highest average annual premium at £213, while single applicants pay the lowest at £162.
How Relationship Status Affects Premiums
The analysis shows cohabiting couples pay an average of £179, and those in civil partnerships pay £177. This creates a £51 gap between married and single homeowners. However, experts stress that relationship status itself does not directly increase the cost; rather, it is a proxy for wider risk factors.
Which? explains that married couples are statistically more likely to live in larger homes with higher rebuild costs and more valuable possessions, which naturally drives up insurance premiums. Insurers use relationship status as one of many data points in risk profiling, alongside property value, location, and contents cover.
Complex Pricing Models
Home insurance pricing relies on complex modelling that assesses claim likelihood and potential costs. Small differences in inputs can significantly affect the final quote. According to the Association of British Insurers, the average home insurance claim in the UK was £4,668 in 2023, highlighting why accurate risk information is critical.
Consumer experts warn that accuracy when completing applications is essential. Incorrect or inconsistent details could affect both pricing and claim validity. Which? advises shoppers to compare policies carefully, as premiums can vary widely between providers even when cover appears similar.
Bottom Line for Consumers
Ultimately, the relationship status question is less about marital status itself and more about the broader financial and lifestyle picture insurers use to calculate risk. The findings underscore the importance of shopping around and providing accurate information to avoid overpaying.
