Policy Expert

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. 

Policy Expert
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Car insurance

Ranked 24th of 49 providers reviewed.

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%

Home emergency cover

Ranked 32nd of 35 providers reviewed.

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%

Home insurance (building and contents)

Ranked 45th of 46 providers reviewed.

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%

Car insurance

Policy Expert

Gold (with key cover, replacement vehicle and Breakdown)

5 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £20.00
Windscreen replacement excess i £85.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Policy Expert

Silver

3 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £20.00
Windscreen replacement excess i £100.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £250.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i
3 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £20.00
Windscreen replacement excess i £85.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Policy Expert

Bronze

1 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i £0.00
Windscreen repair excess i Windscreen repair not covered
Windscreen replacement excess i Windscreen replace not covered
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £0.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Home emergency cover

Policy Expert

Home Emergency Select

2 stars
Home Security Cover i
Home Emergency Cover limit i £600.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i Covered under the home insurance policy
Unoccupied period i 30
Claims limit i Unlimited

Home insurance (building and contents)

4 stars
Theft from outbuildings i £5,000.00
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £150,000.00
Protection against inflation (Buildings)
Contents cover limit i £100,000.00
Money in the home i £1,000.00
Visitor's possessions i £1,000.00
Office equipment i £5,000.00
Buildings cover limit i £1,000,000.00
Trace and access i Sum insured
Keys/locks if lost or stolen (Buildings) i £1,000.00
Alternative accommodation cover limit for contents i £25,000.00
Cancellation fee within 14 days i £15.00
Cancellation fee after 14 days i £30.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Escape of water excess (minimum) i £500.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £20,000.00
Replace belongings new for old i

Policy Expert

Bronze

2 stars
Theft from outbuildings i £0.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £75,000.00
Protection against inflation (Buildings)
Contents cover limit i £60,000.00
Money in the home i £250.00
Visitor's possessions i £0.00
Office equipment i £500.00
Buildings cover limit i £600,000.00
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £300.00
Alternative accommodation cover limit for contents i £10,000.00
Cancellation fee within 14 days i £15.00
Cancellation fee after 14 days i £30.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Escape of water excess (minimum) i £500.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £0.00
Liability as a tenant i £12,000.00
Replace belongings new for old i

Policy Expert

Silver

2 stars
Theft from outbuildings i £2,500.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £100,000.00
Protection against inflation (Buildings)
Contents cover limit i £75,000.00
Money in the home i £250.00
Visitor's possessions i £1,000.00
Office equipment i £1,000.00
Buildings cover limit i £1,000,000.00
Trace and access i £10,000.00
Keys/locks if lost or stolen (Buildings) i £500.00
Alternative accommodation cover limit for contents i £10,000.00
Cancellation fee within 14 days i £15.00
Cancellation fee after 14 days i £30.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Escape of water excess (minimum) i £500.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £0.00
Liability as a tenant i £15,000.00
Replace belongings new for old i

Buildings insurance

3 stars
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Frozen pipes i
Escape of water excess for buildings i £500.00
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
Helpline i
Cancellation fee after 14 days (buildings) i £60.00
Amendment fee (telephone) i £30.00
Property owner liability i £2,000,000.00

Policy Expert

Bronze

2 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £500.00
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
Helpline i
Cancellation fee after 14 days (buildings) i £60.00
Amendment fee (telephone) i £30.00
Property owner liability i £2,000,000.00

Policy Expert

Silver

2 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £500.00
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
Helpline i
Cancellation fee after 14 days (buildings) i £60.00
Amendment fee (telephone) i £30.00
Property owner liability i £2,000,000.00

Contents insurance

4 stars
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

Policy Expert

Bronze

1 stars
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

Policy Expert

Silver

1 stars
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

Motor Excess Cover

Personal Motor Excess Insurance

Policy Expert

Excess Protection £1000

3 stars
Annual cover limit i £2,000.00
Claim limit i 2

Policy Expert

Excess Protection £350

2 stars
Annual cover limit i £700.00
Claim limit i 2

Policy Expert

Excess Protection £500

2 stars
Annual cover limit i £1,000.00
Claim limit i 2