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British Gas: Home Insurance reviews

Name: Home Insurance
Rating: 2.42 (31 reviews)

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2.66

Based on 31 reviews, last reviewed 17th Apr 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

26%

13%

55%

Latest highest rating:

4

Good for home insurance & cost effective energy prov... Good for home insurance & cost effective energy provider. Would recommend for this. Reviewed on: 17th April 2025

Latest lowest rating:

1

Stay away from this company The worst claim experience I ever had in my life , They dont follow your claim . You must follow your case almost every week ,They will make sure to ... Read more Reviewed on: 23rd March 2023

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About this product

Before taking out a new home insurance policy, do your research into the prospective provider. Our British Gas home insurance reviews can give you valuable insight into life as a British Gas policyholder. Be confident in your decision by reading genuine customer reviews.

British Gas offers buildings insurance, contents insurance, a combined policy of both and a specialised policy for high value homes. You can opt to make your policy more secure with a variety of additional extras. These include key cover, home assistance cover for repairs, legal expenses and more.

If British Gas sounds like the right provider for your needs, find out what existing customers have to say about their experiences. Learn which policy they chose and whether they were satisfied with their decision. Find out more about the claims process with British Gas and how people have found the provider’s level of customer service. Discover whether they would recommend British Gas to family and friends. Find all of this and more in our British Gas home insurance reviews.

Have you had a home insurance policy with British Gas? Whether good or bad, share your experience with our Smart Money People community. Tell us which policy you chose and whether you opted for any additional extras. Were you satisfied with the price of your premium for the level of cover that you received? Would you renew your policy? Leave an honest British Gas home insurance review today.

British Gas Home Insurance reviews (31)

Review of the British Gas, Home Insurance:

Retrospective tariff increase after leaving and ruined mortgage applications

We joined BG in May ‘19 and the first seven months seemed fine. Around Xmas they began doubling the monthly DD without writing, or writing and confirming a lower amount. I reclaimed and paid manually to protect my mortgage payments. Battled on to correct estimated start readings. Maintained original payment schedule and initiated leaving early June with a modest credit on the accounts. Received three bills in mid July (after account closure) claiming I owed £154, then £194, then £249. On receipt of first bill, asked BG to prove the debt. Despite regular contact and repeated requests, it failed to do so. In Sept, BG placed 3 late markers on my credit file for the disputed debts (2 gas and 1 electricity), which has derailed an ongoing mortgage application. Raised a claim with ombudsman and discovered that BG had placed us on the standard (most expensive) tariff and backdated this to January, that BG had also increased the debt to £336 added an additional £28 ‘debt recovery fee’ and forwarded to a debt collection agency during investigation by the ombudsman. This is contrary to FCA sourcebook guidance. I have received no justification for the increases after account closure. The markers have reduced my mortgage offer by £80k-£100k and forced us to radically downscale our aspirations. Instead of looking forward to buying our dream home with our two small children we’re are struggling to raise enough to even remortgage our current home! Even after being forced to pay hundreds of pounds in disputed debt in full (on a without-prejudice basis) to its debt collection agency, British Gas refuses to remove the late markers. After following BGs advice to escalate to the ombudsman, BG refuses to speak to/correspond with me on the matter. I am left hundreds of pound out of pocket and essentially unmortgagable! Taking out a British Gas contract ranks amongst the worst decisions I’ve ever made. It’s no exaggeration to state that British Gas have ruined my family's dreams! COME ON, British Gas, do the right thing and remove the late markers. Don't punish my children for the dispute you have with me! Reviewed on: 15th November 2020

Horrendous

Bought BG insurance through compare the market, 9 years claim free. Insured a watch separately which I lost, informed police provided photos and receipt to claims at BRitish Gas, interviewed like I was a criminal, then told because I had CCJ 5 years old my insurance was null and void, I should of declared CCJ mmmm at no point through compare the market are you asked this question and how the hell a CCJ from 5 years ago can affect a watch claim on home insurance for a house you have a mortgage on is beyond belief. Buyer beware I do not normally write reviews but this has left me feeling very sour. Do not use British Gas Insurance and once my energy fixed term ends I will not be using them for anything and their attitude is absolutely disgusting Reviewed on: 20th September 2020

Appalling service at a premium price

We pay over £700 for this disgusting service. Our dishwasher died and today we took delivery of a new one. The person installing it said, 'You've got a slow leak, here - get a plumber asap. I'll put some temporary fitting around it.' Spent HOURS trying to get through on British Gas and the only time I succeeded some woman answered with 'Yeah?' I said, 'Is this British Gas?' and she admitted it might be and hung up on me. Tried to complain and - no surprise there - their complaint phone line ENTIRELY FULL UP (also for hours) and NO EMAIL for complaints - I'd have to write by snailmail. Is this the most appalling service EVER? - Yes, it is. Reviewed on: 11th September 2020

50% Premium Increase in 2 Years

My premiums went up by an astonishing £100 in a 12 month period despite no claims, incidents or even inquiries (as I now know just asking your insurer a question can affect your premiums). They went up £50 at the first renewal, again without any need to contact them. So 2 year's additional no claims on buildings and contents means £150 extra on my premium. I've told them to get lost and gone to one of their competitors. Reviewed on: 13th May 2020

Well the truth is that is fair and is what you use thats how much you pay

Easy to use the ap and is helpfull on everytime you call and what you use thats how much you pay! Reviewed on: 8th December 2018

Insurance is easy to buy, outrageous bureaucracy to claim

They have a network of polite professional knowledgable people and companies, who would do their best to justify why not to pay you when you have a claim. Poor data management. Important information gets easily lost in their system. Reviewed on: 16th August 2018

Have had 8 visits to date to fix PIR security lights, awaiting 9 now as still not done.

They either didn't arrive, booked dates when we were away. Arrived without ladders, arrived without parts. Or couldn't do the job because of health and safety grounds. As ladder required and according to their rules it needed a scaffold ( to replace a security light)! We pay £75 a month for this lamentable service. They have now agreed to consider compensation and we have had to employ a third party electrician who can do their job. But I have had to arrange it! Reviewed on: 23rd August 2017

HIGHLY RECOMMEND

Great service and customer service!!Highly recommend. Reviewed on: 4th July 2017

I've not had to contact them.

Sorting out the policy was easy - I've not had to use them for any claims. Reviewed on: 4th July 2017

making a claim was painless

My chimney developed a leak earlier this year. I found the whole claims process easy to go through and the money for repairs was paid within 7 days of the assessor coming to the house. Everyone involved was very helpful and (as long as the quote is reasonable) I would happily renew with them next year Reviewed on: 24th September 2016

Home insurance claim

First time I've ever had to claim my insurance when my neighbours ceiling caved in due to my(unbeknown to me) old and leaking bath and pipes. Process of claiming was straightforward enough but I should have read the small print and realised that I wasn't covered for replacement pipes or a bath, even though they were the things causing the problem! Bit of a wait (over a week) to get an assessor out to all in all get just under £200 back by the time they took off the excess which was higher for a bathroom issue. Not too impressed! Reviewed on: 26th August 2016

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