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A water leak, with a man on the phone to their insurance provider looking distressed
Research paper

Consumer harm in the insurance claims process

A policy research report exploring consumers' experiences of the insurance claims process

64 min read
A man is on his phone, looking distressed as a result of his insurance claim
Research paper

Complaint upheld: delay, distress and inconvenience caused by insurers

Distress and inconvenience were recorded in nearly two-thirds of all complaints upheld by the Financial Ombudsman Service in 2023, for home, motor, travel and pet insurance. Delays are also at a five-year high. Which? investigates the harm being caused to consumers

32 min read
Engineer installing a heat pump
Policy paper

Building trust: improving the reliability of installers in sustainable home heating

Over the next two decades, households will have to make significant changes to the way that they heat their homes in order to meet the UK's net zero commitments. Installing new heating and insulation can be costly and complex so it is important that consumers can easily find reliable and qualified installers. This report calls for the government to introduce mandatory certification of installers in these markets to make the process of choosing an installer easier, improve the quality of installations and protect consumers from harm

39 min read
Policy paper

Our Consumer Agenda for Government

This is our election manifesto, covering the key reforms we believe the next government should bring forward to improve consumer outcomes and boost economic growth

16 min read

What’s new

Here are our latest policy proposals and insights.

Policy submission

PSR consultation on Faster Payments APP scams: Changing the maximum level of reimbursement - Which? response

Which?'s response to the PSR's consultation, in which it proposes to reduce the maximum level of reimbursement for the APP scams reimbursement requirement from £415,000 to £85,000

3 min read
Policy submission

Call for inputs: review of ADR in the telecoms sector - Which? response

Which? response review to Alternative Dispute Resolution (ADR) review in the telecoms sector

2 min read
Policy submission

Ofgem’s statutory consultation on the future of the Ban on Acquisition-only Tariffs (BAT) - Which? response

Which? outlines its concerns with Ofgem's proposals to remove the ban on acquisition-only tariffs. We think removing the ban risks reintroducing an unfair loyalty penalty into the market.

1 min read
Policy submission

Payment Systems Regulator’s (PSR) consultation CP24/8: CHAPS APP scam reimbursement requirement - Which? response

Which?'s response to the PSR's and Bank of England's consultation on developing a mandatory reimbursement regime for Clearing House Automated Payment System (CHAPS) payments

2 min read

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Discover our grantmaking support efforts to uncover and tackle the consumer harm facing diverse and disadvantaged communities