Insurance companies reward loyal customers who bring in new policyholders. Explore 0 insurance referral offers in the UK and earn cashback, premium discounts, or gift vouchers.
Last updated: 23 February 2026
The UK insurance industry has embraced referral programmes as a cost-effective way to acquire policyholders. Whether it is home insurance, motor cover, pet protection, or life assurance, providers across the sector now offer meaningful incentives when existing customers introduce new ones. For you, that means earning rewards simply by telling friends about the insurance you already use.
Insurance referral rewards in the UK typically come in one of three forms: direct cashback, premium discounts applied to your next renewal, or gift vouchers. Some providers offer a flat fee per referral regardless of the policy type, while others scale the reward based on the premium value. Either way, the amounts are worth claiming — particularly because insurance is something everyone needs.
Below you will find all active UK insurance referral offers for 2026. We include the reward type and amount, any qualifying criteria, and the types of cover included in each programme.
Every active UK insurance referral programme, listed with reward details. Click an offer to see the terms and share your referral link.
| Offer | Category | You Earn | Friend Earns |
|---|
Insurance is just one category. See what other UK brands are offering in referral rewards.
View All UK Referral CodesWhen you hold a policy with a participating UK insurer, you receive a unique referral link or code. Share it with someone who does not currently have a policy with that provider. Once they take out a qualifying policy, the insurer rewards both of you — typically with cashback, a gift voucher, or a discount on your next renewal.
No. UK insurers calculate premiums based on your risk profile, not on whether you used a referral code. The referral bonus is a separate marketing incentive that sits on top of whatever premium quote the new customer receives. In some cases, the new customer also gets a small discount as part of the referral deal.
Many UK motor insurance companies run referral schemes. The process is the same as other insurance referrals: share your code, and when your friend takes out a qualifying motor policy, you both receive a reward. Check your insurer's app or website for a referral section to see if they participate.
You will find referral programmes across home insurance, car insurance, pet insurance, life insurance, travel insurance, and contents insurance. Some multi-product insurers allow referrals for any policy type under one scheme, while others run separate programmes for different cover types.
Rewards vary but typically range from ten to fifty pounds per successful referral. Some premium insurance products offer higher rewards. Unlike banking referrals, insurance referral programmes sometimes have more generous caps on the number of people you can refer, so the total annual earning potential can be significant.