Policy Expert is a member of the QMetric Group which launched in 2011 and are based in London. Whilst Policy Expert compares quotes from a number of different insurers, it also has its own products. It offers home, car and travel insurance. Notably, it offers to fix customers' premiums for two years when they first take out home insurance with them.
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| Customer happiness score | 59.68% |
|---|---|
| Customer trust score | 57.1% |
| Complaints performance | 76.1% |
| Transparency rating | 68.92% |
| Fairer Finance score Reviewed Autumn 2023 |
65% |
| Customer happiness score | 44.68% |
|---|---|
| Customer trust score | 43.44% |
| Complaints performance | 63.01% |
| Transparency rating | 67.54% |
| Fairer Finance score Reviewed Autumn 2023 |
55% |
| Customer happiness score | 51.18% |
|---|---|
| Customer trust score | 41.9% |
| Complaints performance | 62.49% |
| Transparency rating | 65.49% |
| Fairer Finance score Reviewed Autumn 2023 |
55% |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £1,500.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £20.00 |
| Windscreen replacement excess i | £85.00 |
| Cover limit for stolen keys i | £1,500.00 |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | 3 years |
| Vandalism i |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £0.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £20.00 |
| Windscreen replacement excess i | £100.00 |
| Cover limit for stolen keys i | £250.00 |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | 3 years |
| Vandalism i |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £0.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £20.00 |
| Windscreen replacement excess i | £85.00 |
| Cover limit for stolen keys i | £500.00 |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | 3 years |
| Vandalism i |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £0.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | Windscreen repair not covered |
| Windscreen replacement excess i | Windscreen replace not covered |
| Cover limit for stolen keys i | £0.00 |
| Cover for replacing original audio/visual equipment i | £0.00 |
| Repairs guarantee (years) i | 3 years |
| Vandalism i |
| Home Security Cover i | |
|---|---|
| Home Emergency Cover limit i | £600.00 |
| Primary Heating System i | |
| Cover Type i | Add-On |
| Internal plumbing and drainage i | |
| Boiler breakdown cover i | |
| Pest infestation cover i | |
| Alternative Accommodation Cover i | Covered under the home insurance policy |
| Unoccupied period i | 30 |
| Annual boiler service i | |
| Internal gas supply pipe cover i | |
| Domestic Power supply covered? i | |
| Claims limit i | Unlimited |
| Alternative accommodation cover limit for buildings i | £150,000.00 |
|---|---|
| Theft from outbuildings i | £5,000.00 |
| Protection against inflation (Buildings) | |
| Matching sets (contents) i | 50% of the cost of replacing the undamaged parts |
| Contents compulsory excess i | £100.00 |
| Property owner liability i | £2,000,000.00 |
| Cancellation fee within 14 days i | £15.00 |
| Contents cover limit i | £100,000.00 |
| Alternative accommodation cover limit for contents i | £25,000.00 |
| Buildings cover limit i | £1,000,000.00 |
| Cancellation fee after 14 days i | £30.00 |
| Liability to domestic employees i | £10,000,000.00 |
| Trace and access i | Sum insured |
| Keys/locks if lost or stolen (Buildings) i | £1,000.00 |
| Liability as a tenant i | £20,000.00 |
| Replace belongings new for old i | |
| Flood excess i | £100.00 |
| Escape of water excess (minimum) i | £500.00 |
| Money in the home i | £1,000.00 |
| Visitor's possessions i | £1,000.00 |
| Office equipment i | £5,000.00 |
| Alternative accommodation cover limit for buildings i | £75,000.00 |
|---|---|
| Theft from outbuildings i | £0.00 |
| Protection against inflation (Buildings) | |
| Matching sets (contents) i | |
| Contents compulsory excess i | £100.00 |
| Property owner liability i | £2,000,000.00 |
| Cancellation fee within 14 days i | £15.00 |
| Contents cover limit i | £60,000.00 |
| Alternative accommodation cover limit for contents i | £10,000.00 |
| Buildings cover limit i | £600,000.00 |
| Cancellation fee after 14 days i | £30.00 |
| Liability to domestic employees i | £0.00 |
| Trace and access i | £5,000.00 |
| Keys/locks if lost or stolen (Buildings) i | £300.00 |
| Liability as a tenant i | £12,000.00 |
| Replace belongings new for old i | |
| Flood excess i | £100.00 |
| Escape of water excess (minimum) i | £500.00 |
| Money in the home i | £250.00 |
| Visitor's possessions i | £0.00 |
| Office equipment i | £500.00 |
| Alternative accommodation cover limit for buildings i | £100,000.00 |
|---|---|
| Theft from outbuildings i | £2,500.00 |
| Protection against inflation (Buildings) | |
| Matching sets (contents) i | |
| Contents compulsory excess i | £100.00 |
| Property owner liability i | £2,000,000.00 |
| Cancellation fee within 14 days i | £15.00 |
| Contents cover limit i | £75,000.00 |
| Alternative accommodation cover limit for contents i | £10,000.00 |
| Buildings cover limit i | £1,000,000.00 |
| Cancellation fee after 14 days i | £30.00 |
| Liability to domestic employees i | £0.00 |
| Trace and access i | £10,000.00 |
| Keys/locks if lost or stolen (Buildings) i | £500.00 |
| Liability as a tenant i | £15,000.00 |
| Replace belongings new for old i | |
| Flood excess i | £100.00 |
| Escape of water excess (minimum) i | £500.00 |
| Money in the home i | £250.00 |
| Visitor's possessions i | £1,000.00 |
| Office equipment i | £1,000.00 |
| Escape of water excess for buildings i | £500.00 |
|---|---|
| Matching sets (Buildings) i | 50% of the cost of replacing the undamaged parts |
| Frozen pipes i | |
| Underground pipes, cables and tanks i | Covered as standard |
| Selling your home i | |
| Emergency entries i | |
| Accidental damage to drains i | |
| Buildings compulsory excess i | £100.00 |
| Unoccupied period i | 45 days |
| Property owner liability i | £2,000,000.00 |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £60.00 |
| Amendment fee (telephone) i | £30.00 |
| Escape of water excess for buildings i | £500.00 |
|---|---|
| Matching sets (Buildings) i | |
| Frozen pipes i | |
| Underground pipes, cables and tanks i | Covered as standard |
| Selling your home i | |
| Emergency entries i | |
| Accidental damage to drains i | |
| Buildings compulsory excess i | £100.00 |
| Unoccupied period i | 30 days |
| Property owner liability i | £2,000,000.00 |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £60.00 |
| Amendment fee (telephone) i | £30.00 |
| Escape of water excess for buildings i | £500.00 |
|---|---|
| Matching sets (Buildings) i | |
| Frozen pipes i | |
| Underground pipes, cables and tanks i | Covered as standard |
| Selling your home i | |
| Emergency entries i | |
| Accidental damage to drains i | |
| Buildings compulsory excess i | £100.00 |
| Unoccupied period i | 30 days |
| Property owner liability i | £2,000,000.00 |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £60.00 |
| Amendment fee (telephone) i | £30.00 |
| Matching sets (contents) i | 50% of the cost of replacing the undamaged parts |
|---|---|
| Theft from outbuildings i | £5,000.00 |
| Cover for items away from home i | Optional |
| Property owner liability i | £2,000,000.00 |
| Matching sets (contents) i | |
|---|---|
| Theft from outbuildings i | £0.00 |
| Cover for items away from home i | Optional |
| Property owner liability i | £2,000,000.00 |
| Matching sets (contents) i | |
|---|---|
| Theft from outbuildings i | £2,500.00 |
| Cover for items away from home i | Optional |
| Property owner liability i | £2,000,000.00 |
| Annual cover limit i | £2,000.00 |
|---|---|
| Claim limit i | 2 |
| Annual cover limit i | £700.00 |
|---|---|
| Claim limit i | 2 |
| Annual cover limit i | £1,000.00 |
|---|---|
| Claim limit i | 2 |