uSwitch review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
uSwitch suits UK households who want to compare personal insurance, loans and mortgages side by side rather than deal with a single provider. Using the site costs £0 a month, insurance premiums start at £3 for travel cover, and the Financial Conduct Authority licence number 746985 covers the referral side.
Key facts
- Best for
- One place to compare UK insurance, loans and mortgages instead of visiting each provider.
- Premium from
- £3↗
- Insurance types
- Auto, Van, Motorcycle, Breakdown, Home, Life, Critical-illness, Health, Income-protection, Pet, Travel, Home-emergency↗
- Provider type
- Comparison site↗
- Monthly payments
- Yes↗
- Excess from
- £0 to £1,000↗
- Legal entity
- Uswitch Limited↗
- Headquarters
- United Kingdom↗
- Founded
- 2000↗
- Support channels
- Chat, Email, Help-centre↗
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- uswitch.com
Loans
Mortgages
Savings
Facts checked September 26, 2026, 11 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataWikipediaXTrustpilotLinkedIn
Pros and cons
Pros
- One place compares auto, van and motorcycle, with monthly payments available on car insurance.
- Life insurance is set up on a monthly payment model, and car insurance excess runs £0 to £1,000.
- Deposit protection for savings is listed as FSCS up to GBP 85,000, and the site holds Financial Conduct Authority authorisation.
- Mortgages are quoted for purchase, remortgage and first time buyer needs, so buyers, movers and landlords can compare in the same search.
Cons
- As a comparison site, the cover and loans sit with partner providers, so the terms you get depend on which insurer or lender answers.
- Support runs on chat, email and help centre only, so there is no phone line in the way you speak to the team.
- Loan pricing runs through a broker and starts with a soft prequal check, so a quoted rate can change at full application.
Who it suits
- UK households comparing auto, van and motorcycle through a single search.
- Homebuyers, movers and landlords comparing purchase, remortgage and first time buyer mortgages side by side.
- Car insurance shoppers, since seniors are a stated audience and monthly payments are available.
Who should look elsewhere
- Anyone who wants a single provider and a single policy instead of a comparison site may prefer bunq, priced from €0.
- Readers shopping in euros can see bunq Spain, priced from €0, for a euro market rather than the UK one.
- Those after a euro savings product rather than a UK insurance spread can look at Linxea, priced from €25.
Safety of your money
uSwitch is a comparison site, which means the cover and loans shown sit with the insurer or lender you are matched with rather than with the site. It is authorised and regulated by the Financial Conduct Authority under licence number 746985, so the comparison and the referral sit inside UK rules. Check the provider named at application for the contract terms and any protection that follows your money.
Who runs it
uSwitch is run by Uswitch Limited, based in the United Kingdom and trading since 2000. Support comes through chat, email and help centre, so questions are handled in writing or by live chat. The operation carries Financial Conduct Authority authorisation, licence number 746985, and the same brand covers insurance, loans and mortgages, which keeps the comparison in one place.
How uSwitch compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 8.7
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.7Linxea is priced from €25 in euros, which suits readers after a euro savings product rather than the spread of auto, van and motorcycle and borrowing on uSwitch.
9.1 vs 9.0
9.1 vs 8.8bunq is priced from €0 in euros, so it sits outside the UK insurance and loan comparison uSwitch runs in pounds.
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.0
9.1 vs 8.3
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.6
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 8.3
9.1 vs 8.2- 9.1 vs 8.0
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 it cost to use uSwitch?+
Using the site costs £0 a month, and the quotes themselves add nothing. Insurance premiums shown start at £3 for travel cover, while the price you are offered comes from the provider you are matched with.
Is uSwitch regulated?+
uSwitch is a comparison site authorised by the Financial Conduct Authority in the United Kingdom, licence number 746985. It introduces you to providers, so the contract itself is with the insurer or lender, and their terms and protections are the ones that apply.
What kinds of insurance can I compare?+
The comparison spans auto, van and motorcycle, from motor and home cover through life, health, income protection and pet lines. Monthly payments are available on car insurance, which spreads the cost over the year.
How much can I borrow, and over what term?+
Personal loans run £1,000 to £50,000 over terms of 12 to 96, and the origination fee is 0. The loan types listed are personal, debt consolidation and secured, with home improvement shown as the use case, and applications start with a soft prequal check.
What will a mortgage cost?+
The mortgages shown carry an initial rate of 4.75% with an APRC of 5.8%, a fixed period of 2 and a maximum loan to value of 90%. A product fee of £1,004 applies, and the purposes listed are purchase, remortgage and first time buyer.
How do I get help?+
Support runs on chat, email and help centre, meaning chat, email and a help centre. There is no phone line listed, so chat or email is the route for any question about a quote, and having your reference ready helps.
Are savings deposits protected?+
Deposit protection is listed as FSCS up to GBP 85,000, which is the scheme limit that applies through the provider rather than through the site. The site holds Financial Conduct Authority authorisation under licence number 746985, so the wording of the cover is worth confirming with the provider at application.
Sources
- register.fca.org.uk/s checked September 26, 2026
Backs: Deposit protection
- 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/about-us/terms-of-use checked September 26, 2026
Backs: Monthly fee
“We will not charge you any fees for using our comparison services or Website.”
- 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/loans checked September 26, 2026
Backs: Credit check, Lender type, Loan types, Arrangement fee, Term
“Check your eligibility without impacting your credit score”
- uswitch.com/loans/personal-loans checked September 26, 2026
Backs: Loan amount, Use cases
“Typically, unsecured personal loans are for borrowing anywhere from £1,000 to £25,000. However, some providers may let you borrow up to £50,000”
- uswitch.com/mortgages checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“Barclays Bank, 60% LTV | 2 Year Fixed: Initial rate: 4.75% | APRC: 5.8%”
- 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 12 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
uSwitch
One place to compare UK insurance, loans and mortgages instead of visiting each provider.