Loyalty Penalty
Calculator
Paying more than new customers? Calculate your total overpayment and get a price match demand letter.
Total Overpayment
See exactly how much more you've paid compared to new customers over your entire contract.
Price Match Letter
Get a professional letter demanding they match the new customer price or you'll switch.
All Service Types
Works for broadband, mobile, home insurance, car insurance, energy, and TV packages.
Loyalty Penalty Calculator
See how much you're overpaying compared to new customers.
Check the provider's website for current new customer deals.
Avg Overpayment by Sector
Common Questions
What is the loyalty penalty?
It's when companies charge existing customers more than new customers for the same service. The FCA estimates UK consumers overpay by £4 billion a year.
Has the loyalty penalty been banned?
For home and car insurance, yes — the FCA banned price walking from January 2022. For broadband and mobile, Ofcom requires end-of-contract notifications but hasn't banned it.
How do I find the new customer price?
Check the provider's website, use comparison sites like Uswitch or MoneySupermarket, or call and ask what they'd offer a new customer.
Why Use NoReply?
Our free tools give you instant answers. When you need to take action, our AI generates professional complaint letters that get results.
Provider Won't Match the Price?
Generate a formal complaint letter citing FCA loyalty penalty rules and Ofcom guidelines.
Start Your Free Complaint