Charges include up to £30 for minor amendments including change of address, updating personal details or transferring to other vehicles, the research showed. Cancelling policies or even simply renewing a policy can also attract charges, the consumer group found.
Which? has criticised the charges for not being clear enough and not easily accessible to customers using an insurer’s website.
Research shows that both Axa and Swiftcover charge customers £30 to change their address, update their surname on marriage or change the vehicle covered by their motor insurance.
The same changes attract a £35 fee at Hastings, which also charges customers a £5 renewal fee.
50plus Insurance charges £10 for renewal, while both companies charge a flat £10 set-up fee.
Cancelling a policy also attracts fees, with Budget Insurance charging £75 per cancellation of a car insurance policy and Axa, Zurich, Sheila’s Wheels and More Than charging £50 or more for the same service.
The report also highlights the high interest charges attached to a number of policies when customers elect to pay by instalments.
Budget Insurance, Axa and Swiftcover all charged between 29.3 per cent and 32.3 per cent interest depending on the policy.
In contrast, Age UK and First Direct do not charge extra for their monthly payment options.
Which? chief executive Peter Vicary-Smith said: “It’s a disgrace that insurers charge exorbitant fees to make basic changes to a policy.”