Drivers and homeowners are being hit with "exorbitant hidden fees" for basic insurance policy changes and renewals, the consumer group Which? has revealed.
The watchdog uncovered costs of up to £30 for simple alterations - such as changes of address and vehicle, and updating personal information.
Customers are also being charged for cancelling and renewing their policies.
But insurers say the industry is "committed" to keeping prices "as low as possible".
The data came from a review of the terms and conditions on the websites of 39 car, and 34 home insurers.
In the report - which appears in the May edition of its magazine - Which? criticises home and car insurers who "appear to be taking consumers for a ride" by failing to make charges clear and accessible.
It found "many insurers" did not publish details of fees on their websites - "making it near impossible for prospective customers to make an informed choice or compare like for like".
In particular, the report says some insurance companies - such as Axa and Swiftcover - charge a flat fee of £30 to clients only wishing to update their address, married surname, or vehicle covered.
Which? also found a number of insurers charging "excessive amounts of interest" to customers paying in instalments instead of upfront.'Disgraceful'
Sarah Bailey, from the Association of British Insurers, said it was important for customers to "understand what they are buying" and "read the policy carefully".
"There can be a balance between a lower overall price and higher charge for a change."
She also said paying by instalments cost insurers money because it reflected an "increased financial risk", adding there was "evidence to suggest that those customers choosing not to pay in full for their policy upfront are more likely to make a claim".
"Insurers are committed to keeping administration costs as low as possible, but where they do incur costs that they cannot absorb then these may have to be passed on to customers," she said.
But Which? chief executive, Peter Vicary-Smith, criticised a lack of transparency from insurers: "It's a disgrace that insurers charge exorbitant fees to make basic changes to a policy.
"These charges should reflect the real cost to the company and not be a way of making easy money from consumers who are already struggling with high and rising insurance premiums."
"We want insurance companies to be clearer about the fees that they charge and stop hiding the details away in pages of terms and conditions," he added.
He also urged the new industry regulator - the Financial Conduct Authority - to "ensure that any charges reflect the actual cost incurred by the insurance provider".
The insurance company Swiftcover also commented on the findings: "When it comes to swiftcover.com and 'hidden charges', as Which? puts it, they have simply got it wrong.
"Swiftcover.com has always been an online-only insurer, allowing customers to change their policy online whenever they wish, and as often as they need to - without charge.
"If, however, a policyholder chooses to update their policy by speaking to the help desk, there is an admin charge of £30, like with many other insurers."
A spokeswoman for Axa said: "Both Axa's and Swiftcover's home and motor policies are sold 100% online, and if your circumstances change (for example, you move house or need to add a second driver), you can update your details online and at a time that suits you, at no charge".
Headlines Newsview all
Hillary Clinton reminds New Hampshire Democrats of their history: 'You lifted me up and gave me back my voice' she said of her 2008 Granite State win
Hillary Clinton and Bernie Sanders spoke at a giant fundraiser tonight for New Hampshire Democrats Clinton started off her speech reminding the crowd of how the ... Full story
Bernie Sanders, 74, will make a pit stop in New York to appear on SNL He will join comedian, Larry David, 68, who has been impersonating ... Full story
From whips and chains to swing beds, there are rooms to satisfy all tastes The Secret Dungeon in High Wycombe features beds with stocks at the ... Full story
Rate this article
MOST POPULAR ON CAPITALBAY
- JUST IN: BT Suffers Outage Of Broadband And Phone Network Across The Country
- Man Dies After Falling Down Stairs At Popular City Centre Restaurant And Banging Head
- Mechanic raped lawyer before strangling her to death after being rejected by girl at party
Debrahlee Lorenzana lost lawsuit against Quest Laboratories in QueensShe said a technician had caused her 'permanent nerve damage'She claims the 'injury' also got worse after a ...
North Korea has moved forward its planned long-range rocket launchTest missile could be start tomorrow despite South Korea's warningAnalysts have speculated final missile test will be ...
The 45ft male sperm whale died on Thursday after washing up on the Norfolk beach in Hunstanton People have been warned to stay away from the ...
Katie Robbins, 35, from Cleethorpes, ordered tights for daughter Lexie, 5Came with note from seller begging for three stars in the feedback sectionWriter claimed they ...
The number of cases globally of FGM has increased by 70million, UN warnsIt means 200million girls and women have been subjected to the ritualThe ancient ...
Mayor Eduardo Paes handed a big golden key to the carnival's ceremonial King Momo on Friday The organisers promised a spectacular show and said the huge, ...
A world divided: Violent clashes break out across the globe as thousands take to the streets in anti-Islam protests organised by far-right group PEGIDA
Protesters have clashed with immigration supporters and police forces during planned far-right demonstrationsOrganised by anti-Islam group PEGIDA, cities across Europe and Australia saw thousands take ...
From Barack Obama to Ted Cruz, Kriss Blevens has made up leading politicians since 1992 She learned about makeup as a model and beauty pageant ...
The shooting in Tampa, Florida, left one person dead at the sceneSix others were injured and are said to all have gunshot wounds Police were called ...
'They used our phones to say bye to their families': Terrified 'Bonnie and Clyde' hostages speak out for first time about traumatic ordeal
April and Ian Gunnell were forced at gunpoint to give Fitzgerald and Harper refuge at their homeHarper comforted their two-year-old daughter telling her to be calm The couple ...