What does home insurance cover?
It protect your home against fire, flood, storm damage, and burglary.
Policy expert insurance
Compare Policy Expert home insurance quotes
Why choose Policy Expert home insurance?
Launched in 2011, Policy Expert now insures more than 900,000 homes across the UK. The insurance company pride themselves on their customer-centric approach, and claim any decision they take must pass their ‘customer first’ test.
They seek to make insurance clear and easy to understand, and were the first UK insurance provider to have its policy wording approved by the Plain English Campaign.
Policy Expert are rated 4.5 out of 5 stars on Trustpilot and have over 76,177s reviews. They were also recently awarded Home Insurance Provider of the Year by Moneyfacts Consumer Awards 2023 and Customer Experience Winner at the British Insurance Awards
How do I contact Policy Expert?
You can contact Policy Expert via telephone:
0330 0600 600
Opening hours:
Monday to Thursday: 9am - 8pm
Friday: 9am - 6pm
Saturday:
What types of home insurance can I get with Policy Expert?
Policy Expert offers buildings and contents insurance across three level of cover; bronze, silver, and gold. Here is what is included in each policy:
Insurance | Bronze | Silver | Gold |
|---|---|---|---|
Buildings insurance | £600,000 | £1,000,000 | £1,000,000 |
Contents insurance | £60,000 | £75,000 | £1,000,000 |
New for old cover | Yes | Yes | Yes |
Alternative accommodation (buildings) | Up to £75,000 | Up to £100,000 | Up to £150,000 |
Alternative accommodation (contents) | £10,000 | £10,000 | £25,000 |
Credit cards in and away from home | £1,000 | £1,000 | £1,000 |
Personal money in the home | £250 | £250 | £1,000 |
Deep freezer contents | £300 | £500 | £750 |
Property owners liability | £2,000,000 | £2,000,000 | £5,000,000 |
Replacement locks or keys | £300 | £500 | £1,000 |
Legal expenses select | No | Yes | Yes |
Home emergency select | No | Yes | Yes |
Accurate as of July 2024
Can I cancel my Policy Expert insurance and switch providers?
Yes, you can cancel your Policy Expert home insurance and switch to another provider at any time. You may be charged a cancellation fee if you end your policy part way through the term.
You might want to cancel in the following situations:
If your policy is due for renewal
If you decide not to continue your cover, contact Policy Expert before your renewal date. Cancelling ahead of renewal usually means you will not pay additional charges.If you have just taken out a policy
All home insurance policies come with a 14-day cooling-off period. If you cancel or switch providers during this time, you should not be charged, as long as you have not made a claim.If your policy has auto-renewed at a higher price
Policy Expert should let you know before your policy renews. If it has already auto-renewed and the new price is higher than expected, contact them as soon as possible. They may allow you to cancel without an administration fee, depending on the policy terms and timing.
What add-ons can I get with Policy Expert?
Here are some add-ons that you can add to your Policy Expert home insurance policy:
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Home emergency cover
Home emergency cover including a 24 hour helpline offering support for issues with your boiler, plumbing problems, and security cover e.g. if your window is smashed
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Legal expenses
Offers legal advice for home-owner issues such as neighbour disputes or boundary issues, compensation if you're injured and it's not your fault, and help resolving disputes if you've bought fault goods or services
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Bike cover
Cover for bikes stolen if you’re away from home or damaged whilst locked up outside
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Accidental damage
Covers you for DIY accidents, damage caused by children, spillages, and costs of repairing or replacing items
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Away from home
Cover for items worth less than £2,000 that you take outside your home or in your vehicle (if it's locked) such as laptops, money, and phones
Who underwrites Policy Expert?
Policy Expert uses Accredited Insurance of Europe (AIEL), Midas Underwriting Limited, and QIC Europe Limited to underwrite their home insurance policies.
Can I pay Policy Expert home insurance in monthly instalments?
Yes, you can pay for your Policy Expert home insurance policy in monthly payments via Direct Debit, or annually in one payment.
What do defaqto star ratings mean?
Defaqto star ratings offer consumers the confidence to choose the right financial products by providing a trusted rating for insurance policies.
Does Policy Expert home insurance cover subsidence?
Yes, Policy Expert home insurance offers protection against subsidence as standard in their policies.
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Reviewed on 11 Feb 2026
