Legal protection
Covers legal costs for issues like conveyancing, probate, and disputes with neighbours.
Basic: Optional add-on
Bronze: Included
Silver: Included
Gold: Included
Platinum: Included
Policy Expert home insurance
Compare Policy Expert home insurance quotes.
Complete a purchase and earn a £15 reward with super save club logo
How good is Policy Expert home insurance?
Policy Expert was launched in 2011 and specialises in straightforward insurance sold mainly online. It scores 4.5 out of 5 on Trustpilot from around 98,000 reviews. It offers several levels of buildings and contents cover, with optional extras including accidental damage, home emergency, legal expenses and key cover.
Policy Expert uses Accredited Insurance, QIC Europe and Bridgehaven Specialty as its home insurers. Data from the Financial Conduct Authority shows Accredited accepted 60-65%[2] of buildings claims and 80-85%[3] of contents claims in 2024 - Bridgehaven and QIC Europe weren't listed separately in the FCA's data data.
Is Policy Expert home insurance highly rated?
Policy Expert's higher-tier contents and buildings policies (Home Insurance Gold and Platinum) receive the maximum five-star Defaqto rating for features and benefits. Defaqto is a leading independent reviewer of financial products.
Does Policy Expert offer contents insurance?
Yes, Policy Expert offers contents insurance on its own or as part of a combined buildings and contents policy. There are five tiers - Basic, Bronze, Silver, Gold and Platinum - with contents limits ranging from £60,000 to £150,000, depending on the policy you choose.
Standard cover protects belongings such as furniture, clothing and electronics against risks including theft and fire, while higher tiers include larger cover limits and additional features. Optional extras include accidental damage, away-from-home cover, key cover and upgraded legal expenses or home emergency protection.
What will a Policy Expert home insurance policy cover me for?
All Policy Expert contents and buildings home insurance policies include some cover for damage and loss caused by the following events:
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Theft and attempted theft
Stolen items and break-in damage
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Subsidence
Ground movement causing structural damage
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Fire
Fire, smoke, lightning and explosion damage
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Alternative accommodation
Temporary housing if your home can't be lived in
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Escape of water
Leaks from pipes, tanks and appliances
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Storms and floods
Wind, rain, snow and flood damage
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Liability cover
If you are responsible for a third party injury or property damage
What extras can I add to my Policy Expert home insurance?
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Home emergency cover
Covers emergency callouts and services from tradespeople, like plumbers, electricians.
Basic: Optional add-on
Bronze: Optional add-on
Silver: Included
Gold: Included
Platinum: Included
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Accidental damage
Protects your home from accidental mishaps, like broken windows, cracked tiles, or stained carpet.
Basic: Optional add-on
Bronze: Optional add-on
Silver: Optional add-on
Gold: Optional add-on
Platinum: Optional add-on
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Personal possessions
Protects individual belongings like laptops, phones, or jewellery when you take them outside your home.
Basic: Optional add-on
Bronze: Optional add-on
Silver: Optional add-on
Gold: Optional add-on
Platinum: Optional add-on
What is included in Policy Expert Gold and Platinum home insurance?
Policy Expert offers five levels of home insurance cover: Basic, Bronze, Silver, Gold and Platinum. Each tier provides cover for standard risks including fire, smoke, flooding, storms, theft and escape of water or oil.
As you move up through the tiers, the level of cover increases. This includes higher limits for buildings and contents, higher single-item limits for valuables, and larger allowances for alternative accommodation and outbuildings. Higher tiers also include more features as standard.
Gold and Platinum provide the highest levels of cover, with enhanced limits and a broader range of included benefits compared to Basic, Bronze and Silver. Optional extras such as accidental damage, home emergency, legal expenses and key cover can be added to policies where they are not already included.
Are Policy Expert home insurance upgrades worth it?
The value of each tier depends on the level of cover provided compared to the premium charged. Higher tiers offer increased limits and more features as standard, which can be relevant for properties with higher rebuild costs or contents of greater value.
When comparing tiers, key factors include the total contents limit, single-item limits for valuables, buildings cover, and the level of alternative accommodation provided. It's also important to check which features are included as standard and which require an additional premium.
Comparing the cost of a higher tier against adding optional extras separately can help determine overall value. Lower tiers provide core protection, while higher tiers include broader cover and higher limits.
Is Policy Expert the best company to insure my home with?
Which home insurer is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of Policy Expert home insurance to help you make your decision:
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Pros of Policy Expert home insurance
Policy Expert offers Basic, Bronze, Silver, Gold and Platinum policies, making it easier to choose between lower-cost core protection and more comprehensive cover
Accredited Insurance accepted 80-85%[3] of contents-only claims in 2024
Accidental damage to both buildings and contents is included with the Platinum policy, rather than being sold as an additional extra
Platinum includes up to £50,000 for tracing and accessing a leak, £200,000 for alternative accommodation and £25,000 for contents kept in outbuildings
Gold offers up to £20,000 for trace and access, £150,000 for alternative accommodation and £5 million of property owners’ liability cover
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Cons of Policy Expert home insurance
Policy Expert received a Which? claims score of 50%[2] in September 2025, placing it close to the bottom of the providers rated
Accredited Insurance accepted only 60-65%[2] of buildings-only and combined home claims in 2024
Basic cover doesn’t include outbuildings, contents kept in a garden, visitors’ belongings, money or spoiled fridge and freezer food
Personal possessions outside the property aren’t automatically included, even with the Platinum home insurance policy
Customers cancelling after the policy has started may receive a pro-rata refund if they haven’t claimed, but they will still have to pay a cancellation charge
How does Policy Expert home insurance compare to other home insurance policies?
Data below is for standard combined buildings and contents home insurance policies. Ratings and inclusions may be different for individual policy types and for higher-tier policies with more features and inclusions.
Policy Expert Silver | Admiral Standard | Tesco Standard | John Lewis Silver | |
|---|---|---|---|---|
Defaqto Rating | ⭐⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating[6] | N/A | 68%[7] | 76%[2] | N/A |
Claims payout rate[3] | 60-65%[3] | 50-55%[3] | 75-80%[3] | N/A |
Single item limit | £2,000 | £2,000 | £2,000 | £3,000 |
Office equipment covered? | Yes | Yes | Yes | Yes |
Administration fees | £20 to change online, £25 to change by phone. £15 to cancel within 14-day cooling off period, £35 to cancel after this | £25 to change policy £39.50 to cancel | £25 to change policy £35 to cancel | Unspecified fees for changing or cancelling your policy |
Further information |
How do I contact Policy Expert?
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Online Portal
You can use the online portal to:
Make changes to your policy
View policy documents
Change payment details
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Phone
You can also contact the Policy Expert customer service team by phone. Opening hours are:
Monday to Thursday: 8.30am-7pm
Friday: 8.30am-6pm
Saturday: 9am-1pm
Sunday: Closed
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Live chat
You can access Policy Expert's customer service via live chat on its website. Agents are available during the following opening hours, but the support bot is available 247.
Monday to Thursday: 8.30am-7pm
Friday: 8.30am-6pm
Saturday: 9am-1pm
Sunday: Closed
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Email
You can also fill out an email form on the Policy Expert website to get in touch with the team outside of opening hours.
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SMS
Finally, you can contact the customer service team by SMS text on 07492 885130 - they aim to reply to all messages within 24 hours.
How do I make a home insurance claim with Policy Expert?
If you need to make a claim on your Policy Expert home insurance policy, contact Policy Expert as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), and evidence of the damage. This could include photos, videos, receipts, repair estimates or, if a crime was involved, a crime reference number from the police.
Policy Expert claims line:
0330 060 0670
You can reach the claims team at Policy Expert by phone 24/7, while you can also make a claim on your online portal.
How do I cancel my Policy Expert home insurance?
🚩 You will not get any money refunded if you have already made a claim on your home insurance
You can cancel your Policy Expert home insurance by email, phone or post.
The number is 0330 0600 601 or you can email home@policyexpert.co.uk
I'm coming up for renewal
You can tell Policy Expert at any point up until your renewal date that you do not wish to renew your policy.
There is no charge for not renewing.
I've just taken out a policy
If you cancel your Policy Expert home insurance within the first 14 days of your policy starting you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
Policy Expert will charge you a £15 admin fee, which will be taken out of your refund.
If you wish to cancel your policy at any time later than 14 days after it has started, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.
Policy Expert will charge you a £35 admin fee, which will be taken out of your refund.
My policy has auto-renewed
If you cancel your Policy Expert home insurance within the first 14 days of your policy auto-renewing you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
Policy Expert will charge you a £15 admin fee, which will be taken out of your refund.
If you wish to cancel your policy at any time later than 14 days after it has auto-renewed, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.
Policy Expert will charge you a £35 admin fee, which will be taken out of your refund.
What other products does Policy Expert sell?
Alongside home insurance, Policy Expert offers a number of other insurance and money products:
Who underwrites Policy Expert Insurance?
Policy Expert’s current home insurance wording lists Accredited Insurance (Europe) Limited, UK Branch and Bridgehaven Specialty UK Limited as its authorised insurers. Each insurer is responsible only for the proportion of the policy it has underwritten, while Policy Expert arranges and manages the insurance.
Can I pay Policy Expert home insurance in monthly instalments?
Yes, you can pay for Policy Expert home insurance in one lump sum or through monthly Direct Debit payments. The amount, collection dates and any payment terms will be provided before you buy, so check the total cost shown with your quote before choosing how to pay.
Does Policy Expert home insurance cover subsidence?
Yes, Basic, Bronze, Silver, Gold and Platinum policies cover damage caused by subsidence, heave or landslip. However, exclusions apply to issues such as normal settlement, coastal erosion and damage caused by structural alterations.
The standard subsidence excess is £1,000 on Basic, Bronze and Silver policies, reducing to £500 with Gold and Platinum, unless your schedule states otherwise.
Does Policy Expert home insurance cover home emergency and boiler breakdowns?
Home emergency protection is available separately in Select and Plus versions. Both cover boiler failure, plumbing, blocked toilets, drainage problems and security emergencies, while Plus also includes problems involving electrics, gas pipes, roofing and pest infestations.
Select provides up to £300 per claim and two callouts each year. Plus increases this to £1,000 per claim with unlimited callouts, alongside up to £500 towards a replacement boiler when the existing one can’t be repaired. Boilers over 15 years old aren’t covered, they must have been serviced within the previous 15 months, and there’s no excess on home emergency claims.
Does Policy Expert home insurance cover belongings away from home?
Away-from-home protection is available as optional personal possessions cover, rather than being automatically included with the main home insurance tiers. It can cover belongings, valuables and bicycles outside your property, with limits confirmed in your schedule.
The maximum overseas trip length is 30 days with Basic, Bronze and Silver, 45 days with Gold and 60 days with Platinum. Cover for money and individual possessions also increases through the higher tiers.
Does Policy Expert home insurance cover gardens and outbuildings?
Cover depends heavily on the tier you choose. Basic doesn’t cover buildings or contents in outbuildings, while buildings cover for outbuildings starts from Bronze.
Contents in outbuildings are covered up to £2,500 with Silver, £5,000 with Gold and £25,000 with Platinum. Cover for belongings left in the open is also available from Silver, with limits of £750 for Silver, £1,000 for Gold and £5,000 for Platinum.
What is the Policy Expert home insurance excess?
Your general excess is shown in your policy schedule, but some claims have separate amounts:
Subsidence: £1,000 with Basic, Bronze and Silver, or £500 with Gold and Platinum
Escape of water or oil: £500 with Bronze, Silver, Gold and Platinum, unless the schedule states otherwise
Accidental damage: Some Bronze and Silver accidental-damage sections carry a £250 excess
Home emergency: No excess applies
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At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
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We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is home insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy home insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is home insurance eligible for Price Promise?
Yes, home insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 16 Sep 2026 by
Sources and supporting information
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[1]
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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[2]
Source: Which?, 2025, Best UK home insurance policies and providers compared?, https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/best-and-worst-home-insurance-abtdC2Z1qveJ
-
[3]
Source: Financial Conduct Authority (FCA), 2025. 'General insurance value measures data 2024' https://www.fca.org.uk/data/general-insurance-value-measures-data-2024#revisions
-
[4]
Defaqto is a leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Admiral may have different ratings. Data from the Defaqto website. Data from June 2026.
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[5]
Defaqto is a leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Policy Expert may have different ratings. Data from the Defaqto website. Data from June 2026.
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[6]
The independent review site Which? has created claims scores for 35 leading home insurers based on interviews with 2,804 members of the public who had made an insurance claim in the last two years. Claim scores are based on how satisfied these claimants were with their provider and how likely they would be to recommend them in the future. You can see more on the Which? website: https://www.which.co.uk/money/insurance/home-and-mobile-insurance
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[7]
Source: Which?, 2025, 'Admiral home insurance review' https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/admiral-home-insurance-review-aCVeo7y8isas
