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Move-home guide

Does the energy price cap apply when you move in?

When you move into a home in England, Scotland or Wales, you do not arrive without an energy supply and you do not arrive without a tariff. You are supplied by whoever already serves the property, on that supplier's default tariff, until you choose otherwise. That default is almost always capped. It is also almost always the most expensive tariff they sell.

Short answer

Yes, in almost every case. Moving in without choosing a tariff places you on the existing supplier's default tariff, which is a standard variable tariff, and standard variable tariffs are exactly what the Ofgem price cap covers. The cap limits unit rates and standing charges, not your total bill, and being capped is not the same as being on a good deal.

£1,935

Oct-Dec 2026 cap, like-for-like basis

4

Cap changes a year: 1 Jan, Apr, Jul, Oct

5d

Working days a switch usually takes

Cap change ahead

Moving in before 1 October 2026?

Ofgem confirmed on 26 August 2026 that the cap rises to £1,935 a year from 1 October for a typical dual-fuel home paying by direct debit, on the like-for-like consumption basis we use across our cap history. Ofgem's own headline for the same rates is £1,723. If you move in before then, you move in on today's rates and they reset underneath you on 1 October, usually before your first bill arrives.

By stage

Move-in energy timeline, read against the cap

The cap changes on fixed quarterly dates. Your move-in date does not move with it, so the two need lining up deliberately.

Before move day

  • Check the tenancy or sale pack for who pays energy directly.
  • Note the next cap change date so you know which rates you are moving onto.
  • Do not agree a fixed tariff for a property you cannot yet take readings at.

Move-in day

  • Photograph the gas and electricity meters with the readings clearly visible.
  • Identify the existing supplier before assuming who to contact.
  • Keep the readings and the exact move-in date together in one place.

First week

  • Tell the supplier the date you became responsible and give the opening readings.
  • Ask which tariff you have been placed on and whether it is their default.
  • Confirm there is no exit fee, which there usually is not on a default tariff.

Before the next cap change

  • Compare fixed offers against the new capped rates using your own usage.
  • Allow up to five working days for a switch to complete.
  • Take a reading on the day the cap changes so the two rate periods are split correctly.
How Taupia helps

Know which tariff you landed on, not which one you assumed

The hard part of this is not the rule. It is finding out what you are actually on, at an address you have just arrived at, while twenty other things need doing. Taupia turns that into a short setup flow instead of a phone call you keep postponing.

  • Add your move-in address and date so the setup starts from the right property and the right billing period.
  • Store opening meter photos with the date attached, so a wrong first bill is arguable rather than a memory.
  • Upload a bill and Taupia reads your actual unit rates and standing charges, then shows whether you are sitting on a default tariff.
  • Taupia keeps watching your tariff against the market, so the next cap change reaches you as an alert rather than as a surprise on a statement.
The mechanism

What you are actually put on when you move in

Nobody signs you up. Energy keeps flowing from the day you take responsibility, and the supplier already serving the property bills you for it on their basic terms until you pick something else.

  • Ofgem describes a default tariff as the basic tariff a supplier offers, applied when you have not chosen one yourself.
  • The most common form of default tariff is a deemed tariff, and a deemed tariff is standard variable.
  • Standard variable means the unit rate moves with the market and the contract has no fixed end date.
  • Ofgem states plainly that deemed contracts and default tariffs are usually among a supplier's most expensive.
  • Because there is no fixed term, there is normally no exit fee to leave, so the expensive default is not a trap you are locked into.
The protection

What the cap protects, and what it does not

The cap is a ceiling on rates. It is not a ceiling on bills, and it is not a promise that the rate you are paying is competitive.

  • It caps the maximum unit rate and standing charge a supplier can charge on a default tariff.
  • It does not limit your total bill. Ofgem's own wording is that the more energy you use, the higher your bill will be.
  • The headline annual figure describes a typical household, not yours. A larger or draughtier home pays more than the headline at the same capped rates.
  • It does not stop a cheaper fixed deal existing at the same time, and often one does.
  • It does not apply to fixed tariffs, business contracts, heat networks, heating oil or LPG.
Timing

The cap changes four times a year, whatever your move-in date is

New cap periods start on 1 January, 1 April, 1 July and 1 October, and Ofgem announces each one roughly five weeks ahead. A move that lands near one of those dates straddles two sets of rates.

  • From 1 October 2026 the cap is £1,935 a year on the like-for-like basis, or £1,723 on Ofgem's current typical-use basis. Both describe the same unit rates.
  • That is a rise of about 3.9% against the July to September figure of £1,862 like-for-like, which Ofgem states as 4% on its own basis.
  • The rise is uneven. Gas bills go up around 8%, while homes with no gas see under 1%.
  • If you move in during September, your first bill can legitimately contain two rate periods, split at 1 October.
  • A meter reading taken on the day the cap changes is what forces that split to be accurate rather than estimated.
Renters and students

If your rent includes energy, the cap is not what protects you

This is the part most bills-included tenants get wrong. When you do not hold the supply contract, Ofgem is not regulating what you pay. Your tenancy is.

  • If the supply is in your landlord's name and they recharge you for energy separately, Ofgem's maximum resale price rules limit them to the price they paid for it.
  • Those resale rules do not apply when energy is included in the rent. An all-inclusive rent is a rent, not a regulated energy charge.
  • So a bills-included package can price above the capped rates entirely lawfully. The cap sets no ceiling on it.
  • That makes the fair-usage limit, not the cap, the number to read closely in a bills-included agreement.
  • If the tenants hold the supply contract, you are a normal domestic customer and the cap applies to you the same as anyone else.
The decision

Stay on the capped default, or switch?

There is no universal answer, but there is a reliable test. Compare total annual cost on your own usage, not headline rates, and treat the capped default as the baseline to beat rather than the safe choice.

  1. 1

    Wait for one real bill if you have no usage history

    At a new address you may not know the property's consumption. One full billing period with accurate opening readings gives you a usage figure worth comparing on.

  2. 2

    Work out your capped cost from your own kWh

    Multiply your annual gas and electricity kWh by the current capped unit rates, then add the standing charges for 365 days. That is the number a fixed deal has to beat.

  3. 3

    Compare fixed offers against that number

    Include standing charges, payment method, contract length and any exit fee. A fix that beats the cap today may or may not beat the next two cap periods.

  4. 4

    Check there is nothing holding you in place

    A default tariff normally has no exit fee, so the switch decision is usually free to make. Confirm this with the supplier before you commit.

  5. 5

    Allow up to five working days

    Ofgem's faster switching standard is up to five working days, so a decision made in the last week of a cap period can still complete before the next one starts.

Your situation after moving inDoes the price cap apply?
You have not chosen a tariffYes. You are on the supplier's default, which is a standard variable tariff, and capped rates apply.
You chose a fixed tariff after moving inNo. Your rates are locked by the fix instead, for as long as it runs.
Your fixed deal ended and you did nothingYes. You roll onto the default tariff, which is capped.
Energy is included in your rentNot to what you pay. The landlord's own supply may be capped, but your rent is set by the tenancy, not by Ofgem.
Your landlord recharges energy separatelyIndirectly. Maximum resale price rules limit them to what they paid, which is capped if their tariff is a domestic default.
The property is on a heat networkNo. Heat networks sit outside the price cap.
The property uses heating oil or LPGNo. Off-grid fuels are not covered.
The supply is on a business contractNo. Business energy contracts are outside the domestic cap.
Move-in cap FAQ

Price cap questions when you move into a new home

I am moving into a new place. Should I stay on the existing supplier's default tariff or switch immediately?

You are free to switch straight away, but there is a case for waiting briefly. The default tariff is capped and normally has no exit fee, so staying on it for one billing period costs you flexibility rather than locking you in. What you gain by waiting is a real usage figure for a property you have never lived in, which is what makes a fixed-tariff comparison meaningful. The risk of waiting is that the capped default is usually among the supplier's most expensive tariffs, so every month you stay is a month you may be overpaying. If you already know the property's annual kWh, compare now.

Am I automatically on the energy price cap when I move in?

In almost every case, yes. Moving in without choosing a tariff places you on the existing supplier's default tariff. Ofgem describes the most common default as a deemed tariff that is standard variable, and the price cap covers standard variable tariffs. The exceptions are properties on heat networks, heating oil or LPG, supplies on a business contract, and situations where you do not hold the supply contract at all because energy is included in your rent.

Does being on the price cap mean I am getting a fair price?

No. The cap sets the maximum unit rate and standing charge a supplier may charge on a default tariff, not a fair or competitive one. Ofgem states that deemed contracts and default tariffs are usually among a supplier's most expensive. Being capped means you cannot be charged above a ceiling. It does not mean a cheaper tariff is unavailable, and frequently one is.

Is there an exit fee for leaving the tariff I was put on when I moved in?

Normally not. Ofgem defines a standard variable tariff as a supply contract of indefinite length with no fixed term attached to its terms and conditions, and without a fixed term there is no early termination fee to charge. Confirm it with the supplier before switching, but the usual position is that you can leave a default tariff freely.

I am moving in shortly before the cap changes. What happens to my first bill?

Your first bill can legitimately cover two rate periods, priced at the old rates up to the change date and the new rates from it. That is correct behaviour, not an error. What makes it accurate is a meter reading on the changeover date. Without one the supplier estimates the split, and an estimate that puts too much usage after the change date costs you money. Take a reading on the day the cap changes and send it in.

Does the price cap apply if my rent includes energy?

Not to the amount you pay. If you do not hold the supply contract, what you pay is set by your tenancy agreement rather than by Ofgem. Ofgem's maximum resale price rules stop a landlord charging more than they paid when they recharge energy separately, but those rules do not apply where energy is included in the rent. That means a bills-included rent or student package can sit above capped rates entirely lawfully, so the fair-usage limit in the agreement matters more to you than the cap does.

How do I find out who supplies energy to my new address?

Ofgem publishes guidance on finding your current energy supplier, which covers the lookup services for electricity and gas separately. Do this before assuming which company to contact, because the previous occupant may have switched without the letting agent or seller knowing. Once you know the supplier, give them your move-in date and opening readings.

Should I set up a dual fuel plan immediately or wait until I have had a couple of bills?

Waiting for one or two bills is reasonable if you do not know the property's usage, because dual fuel offers are worth comparing on total annual cost rather than on the discount attached to them. The cost of waiting is real though. You spend that period on a capped default that is usually one of the supplier's more expensive tariffs. Waiting for accuracy makes sense. Waiting indefinitely is just paying the default.

How long does it take to switch supply at a new address?

Ofgem's faster switching standard is up to five working days, and you can ask to be switched on a later date if that suits your move better. Practically, that means a decision made in the final week of a cap period can still complete before the next period begins.

Find out which tariff you actually landed on

Upload a bill and Taupia reads your real unit rates and standing charges, shows whether you are sitting on a default tariff, and keeps watching it against the market so the next cap change reaches you as an alert.