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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
You can contact Policy Expert via telephone:
0330 0600 600
Opening hours:
Monday to Thursday: 9am - 8pm
Friday: 9am - 6pm
Saturday:
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
Yes, you can cancel your Policy Expert home insurance at any time. However, you might be charged a cancellation fee if you're cancelling the middle of your policy term.
Here are some instances where you may want to cancel:
If your policy is coming up for renewal: if you decide you don't want to continue your policy, contact Policy Expert and cancel before your renewal date and you won't pay extra charges
If you have just taken out a policy: all home insurance policies come with a 14 day cooling off period, so if you cancel or switch providers within this timeframe then you will not be charged
If your policy has auto-renewed at a higher rate: Policy Expert should inform you when your policy is coming up for renewal, but if your policy has auto-renewed at a rate you're comfortable paying, contact them as soon as possible and they might cancel your policy without charging an admin fee
Here are some add-ons that you can add to your Policy Expert home insurance policy:
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
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
Cover for bikes stolen if you’re away from home or damaged whilst locked up outside
Covers you for DIY accidents, damage caused by children, spillages, and costs of repairing or replacing items
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
Whatever cover you’re looking for, the easiest way to find the best policy is by comparing quotes online. You can compare policies in one simple search on MoneySuperMarket.
We're trusted by our customers. We only work with insurance providers authorised and regulated by the Financial Conduct Authority (FCA).
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Policy Expert uses Accredited Insurance of Europe (AIEL), Midas Underwriting Limited, and QIC Europe Limited to underwrite their home insurance policies.
Yes, you can pay for your Policy Expert home insurance policy in monthly payments via Direct Debit, or annually in one payment.
Defaqto star ratings offer consumers the confidence to choose the right financial products by providing a trusted rating for insurance policies.
Yes, Policy Expert home insurance offers protection against subsidence as standard in their policies.
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