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.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Car insurance

4 products reviewed

Electric Car Insurance

4 products reviewed

Policy Expert

Gold (with key cover, replacement vehicle and Breakdown)

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise Yes
Cover limit for lost keys
£1,500.00
24hr helpline available Yes
New car replacement Yes
Courtesy car provided if stolen / total loss Yes
Windscreen repair excess
£25.00
Windscreen replacement excess
£110.00
Cover limit for stolen keys
£1,500.00
Cover for replacing original audio/visual equipment
Unlimited
Repairs guarantee (years)
3 years
Vandalism Yes
Policy Expert

Gold

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise Yes
Cover limit for lost keys
£0.00
24hr helpline available Yes
New car replacement Yes
Courtesy car provided if stolen / total loss No
Windscreen repair excess
£25.00
Windscreen replacement excess
£110.00
Cover limit for stolen keys
£500.00
Cover for replacing original audio/visual equipment
Unlimited
Repairs guarantee (years)
3 years
Vandalism Yes
Policy Expert

Silver

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise Yes
Cover limit for lost keys
£0.00
24hr helpline available Yes
New car replacement Yes
Courtesy car provided if stolen / total loss No
Windscreen repair excess
£25.00
Windscreen replacement excess
£110.00
Cover limit for stolen keys
£250.00
Cover for replacing original audio/visual equipment
£1,000.00
Repairs guarantee (years)
3 years
Vandalism Yes
Policy Expert

Bronze

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise No
Cover limit for lost keys
£0.00
24hr helpline available Yes
New car replacement No
Courtesy car provided if stolen / total loss No
Windscreen repair excess
Windscreen repair not covered
Windscreen replacement excess
Windscreen replace not covered
Cover limit for stolen keys
£100.00
Cover for replacing original audio/visual equipment
£0.00
Repairs guarantee (years)
3 years
Vandalism Yes

Courtesy Car (Add-on)

1 product reviewed

Policy Expert

Replacement Vehicle Cover

Home emergency cover

2 products reviewed

Boiler Breakdown Cover

2 products reviewed

Policy Expert

Home Emergency Plus

Feature Value
Minimum excess
£0.00
Premium (minimum excess applied)
£49.95
No claims period (Boiler)
7.00
Boiler repair cover limit
£1,000.00
No claims period
7.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.
£300.00
Getting access and reinstatement
£0.00
Type of pricing
Comes as standard with home insurance
Maximum excess
£0.00
Premium (maximum excess applied)
£49.95
Underwriter
Panel
Unoccupied period
30
Individual call out cover limit for boiler repairs
£1,000.00
Time limit
N/A
Temporary emergency heating
£100.00
Boiler age exclusions
15.00
No claims period for boiler replacement
7.00
Boiler replacement (BER) within 0-4 years cover limit
£500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.
£300.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.
£300.00
Boiler replacement (BER) within 8-10 years cover limit
£200.00
Boiler replacement (BER) 11-15 years cover limit
£3.00
Primary flue Yes
Boiler controls Yes
Alternative accommodation cover
£1,000.00
Internal gas supply pipe cover Yes
Annual boiler service No
Repairs guarantee
Not Mentioned
24/7 claims helpline Yes
Primary heating system Yes
Date of price collection
2026-03-13
Plumbing & drainage cover Yes
Electrical breakdown Yes
Pest Yes
Security Yes
Policy Expert

Home Emergency Select

Feature Value
Minimum excess
£0.00
Premium (minimum excess applied)
N/A
No claims period (Boiler)
7.00
Boiler repair cover limit
£600.00
No claims period
7.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.
£0.00
Getting access and reinstatement
£0.00
Type of pricing
Comes as standard with home insurance
Maximum excess
£0.00
Premium (maximum excess applied)
N/A
Underwriter
Panel
Unoccupied period
30
Individual call out cover limit for boiler repairs
£300.00
Time limit
N/A
Temporary emergency heating
£100.00
Boiler age exclusions
15.00
No claims period for boiler replacement
7.00
Boiler replacement (BER) within 0-4 years cover limit
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.
£0.00
Boiler replacement (BER) within 8-10 years cover limit
£0.00
Boiler replacement (BER) 11-15 years cover limit
£1.00
Primary flue Yes
Boiler controls Yes
Alternative accommodation cover
Covered under the home insurance policy
Internal gas supply pipe cover No
Annual boiler service No
Repairs guarantee
Not Mentioned
24/7 claims helpline Yes
Primary heating system Yes
Date of price collection
2026-03-13
Plumbing & drainage cover Yes
Electrical breakdown No
Pest No
Security Yes

Home insurance (building and contents)

12 products reviewed

Buildings insurance

5 products reviewed

Policy Expert

Platinum

Feature Value
Escape of water excess for buildings
£500.00
Matching sets (Buildings) Yes
Frozen pipes Yes
Trace and access
£50,000.00
Underground pipes, cables and tanks
Covered as standard
Policy Expert

Silver

Feature Value
Escape of water excess for buildings
£500.00
Matching sets (Buildings)
50% of the cost of replacing the undamaged parts
Frozen pipes Yes
Trace and access
£10,000.00
Underground pipes, cables and tanks
Covered as standard
Policy Expert

Gold

Feature Value
Escape of water excess for buildings
£600.00
Matching sets (Buildings)
50% of the cost of replacing the undamaged parts
Frozen pipes Yes
Trace and access
£20,000.00
Underground pipes, cables and tanks
Covered as standard
Policy Expert

Bronze

Feature Value
Escape of water excess for buildings
£600.00
Matching sets (Buildings)
50% of the cost of replacing the undamaged parts
Frozen pipes Yes
Trace and access
£5,000.00
Underground pipes, cables and tanks
Covered as standard
Policy Expert

Basic

Feature Value
Escape of water excess for buildings
£500.00
Matching sets (Buildings)
50% of the cost of replacing the undamaged parts
Frozen pipes Yes
Trace and access
£1,000.00
Underground pipes, cables and tanks
Covered as standard
Contents insurance

5 products reviewed

Policy Expert

Platinum

Feature Value
Matching sets (contents) Yes
Theft from outbuildings
£25,000.00
Cover for items away from home
Optional
Money in the home
£2,500.00
Property owner liability
£5,000,000.00
Escape of water excess (minimum)
£500.00
Policy Expert

Gold

Feature Value
Matching sets (contents)
50% of the cost of replacing the undamaged parts
Theft from outbuildings
£3,000.00
Cover for items away from home
Optional
Money in the home
£1,000.00
Property owner liability
£5,000,000.00
Escape of water excess (minimum)
£600.00
Policy Expert

Bronze

Feature Value
Matching sets (contents)
50% of the cost of replacing the undamaged parts
Theft from outbuildings
£0.00
Cover for items away from home
Optional
Money in the home
£250.00
Property owner liability
£2,000,000.00
Escape of water excess (minimum)
£600.00
Policy Expert

Silver

Feature Value
Matching sets (contents)
50% of the cost of replacing the undamaged parts
Theft from outbuildings
£2,000.00
Cover for items away from home
Optional
Money in the home
£250.00
Property owner liability
£2,000,000.00
Escape of water excess (minimum)
£500.00
Policy Expert

Basic

Feature Value
Matching sets (contents)
50% of the cost of replacing the undamaged parts
Theft from outbuildings
£0.00
Cover for items away from home
Optional
Money in the home
£0.00
Property owner liability
£1,000,000.00
Escape of water excess (minimum)
£500.00
Home Legal Cover

2 products reviewed

Policy Expert

Plus Legal Expense

Feature Value
Limit of indemnity per claim
£100,000.00
Employment - employee Yes
Property damage Yes
Contract disputes - pursue Yes
Property disputes Yes
Standard advisors cost
N/A
Employment - excess
£0.00
Contract disputes - defend Yes
Data protection Yes
Jury service - maximum indemnity limit
£1,000.00
Policy Expert

Select Legal

Feature Value
Limit of indemnity per claim
£25,000.00
Employment - employee No
Property damage Yes
Contract disputes - pursue Yes
Property disputes Yes
Standard advisors cost
N/A
Employment - excess
£0.00
Contract disputes - defend Yes
Data protection No
Jury service - maximum indemnity limit
N/A

Motor Excess Cover

3 products reviewed

Personal Motor Excess Insurance

3 products reviewed

Policy Expert

Excess Protection £1000

Feature Value
Annual cover limit
£2,000.00
Claim limit
2
Cover limit per claim
£1,000.00
Personal belongings cover Yes
Waiting period (if taken out at the same time as a car insurance policy)
0 days
Policy Expert

Excess Protection £500

Feature Value
Annual cover limit
£1,000.00
Claim limit
2
Cover limit per claim
£500.00
Personal belongings cover Yes
Waiting period (if taken out at the same time as a car insurance policy)
0 days
Policy Expert

Excess Protection £350

Feature Value
Annual cover limit
£700.00
Claim limit
2
Cover limit per claim
£350.00
Personal belongings cover Yes
Waiting period (if taken out at the same time as a car insurance policy)
0 days

Motor Key Cover

4 products reviewed

Policy Expert

Key Cover (4 fobs)

Feature Value
Cover limit for broken keys (or keys broken inside a lock)
£50.00
Annual policy limit
£1,500.00
Days before you can make a claim
0 days
Lost key waiting period
2 days
Onward transport cover
£100.00
Additional Keys covered Yes
Cover if duplicate keys are easily available Yes
Policy Expert

Key Cover (3 fobs)

Feature Value
Cover limit for broken keys (or keys broken inside a lock)
£50.00
Annual policy limit
£1,500.00
Days before you can make a claim
0 days
Lost key waiting period
2 days
Onward transport cover
£100.00
Additional Keys covered Yes
Cover if duplicate keys are easily available Yes
Policy Expert

Key Cover (2 fobs)

Feature Value
Cover limit for broken keys (or keys broken inside a lock)
£50.00
Annual policy limit
£1,500.00
Days before you can make a claim
0 days
Lost key waiting period
2 days
Onward transport cover
£100.00
Additional Keys covered Yes
Cover if duplicate keys are easily available Yes
Policy Expert

Key Cover

Feature Value
Cover limit for broken keys (or keys broken inside a lock)
£50.00
Annual policy limit
£1,500.00
Days before you can make a claim
0 days
Lost key waiting period
2 days
Onward transport cover
£100.00
Additional Keys covered Yes
Cover if duplicate keys are easily available Yes

Motor Legal Cover

1 product reviewed

Policy Expert

Legal Assistance

Feature Value
Uninsured loss recovery Limit
£100,000.00
Personal Injury limit
£100,000.00
Motor Prosecution defence Limit
£10,000.00
Uninsured driver benefit No
Consumer Disputes Limit
£10,000.00
Database Disputes Limit
£0.00
Vehicle Cloning Limit
£10,000.00
Uninsured driver benefit (Minimum pay out)
£0.00

Personal Accident

1 product reviewed

Policy Expert

Personal Accident Cover

Feature Value
Number of passengers covered
Unlimited
Death
£50,000.00
Permanent total disablement
£50,000.00

Pet insurance

10 products reviewed

Cat insurance

5 products reviewed

Policy Expert

Gold (with all optional covers)

Feature Value
Medical excess
£100.00
Type of cover
Lifetime, annual
Medical cover limit
£10,000.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£10,000.00
Annual condition limit
N/A
Lifetime policy limit
Unlimited
Lifetime condition limit
N/A
Policy Expert

Silver (with all optional covers)

Feature Value
Medical excess
£100.00
Type of cover
Lifetime, annual
Medical cover limit
£5,000.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£5,000.00
Annual condition limit
N/A
Lifetime policy limit
Unlimited
Lifetime condition limit
N/A
Policy Expert

Gold

Feature Value
Medical excess
£100.00
Type of cover
Lifetime, annual
Medical cover limit
£10,000.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£10,000.00
Annual condition limit
N/A
Lifetime policy limit
Unlimited
Lifetime condition limit
N/A
Policy Expert

Silver

Feature Value
Medical excess
£100.00
Type of cover
Lifetime, annual
Medical cover limit
£5,000.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£5,000.00
Annual condition limit
N/A
Lifetime policy limit
Unlimited
Lifetime condition limit
N/A
Policy Expert

Bronze

Feature Value
Medical excess
£100.00
Type of cover
Lifetime, annual
Medical cover limit
£2,000.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£2,000.00
Annual condition limit
N/A
Lifetime policy limit
Unlimited
Lifetime condition limit
N/A
Dog insurance

5 products reviewed

Policy Expert

Gold (with all optional covers)

Feature Value
Medical excess
£100.00
Type of cover
Lifetime, annual
Medical cover limit
£10,000.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£10,000.00
Annual condition limit
N/A
Lifetime policy limit
Unlimited
Lifetime condition limit
N/A
Policy Expert

Gold

Feature Value
Medical excess
£100.00
Type of cover
Lifetime, annual
Medical cover limit
£10,000.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£10,000.00
Annual condition limit
N/A
Lifetime policy limit
Unlimited
Lifetime condition limit
N/A
Policy Expert

Silver (with all optional covers)

Feature Value
Medical excess
£100.00
Type of cover
Lifetime, annual
Medical cover limit
£5,000.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£5,000.00
Annual condition limit
N/A
Lifetime policy limit
Unlimited
Lifetime condition limit
N/A
Policy Expert

Silver

Feature Value
Medical excess
£100.00
Type of cover
Lifetime, annual
Medical cover limit
£5,000.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£5,000.00
Annual condition limit
N/A
Lifetime policy limit
Unlimited
Lifetime condition limit
N/A
Policy Expert

Bronze

Feature Value
Medical excess
£100.00
Type of cover
Lifetime, annual
Medical cover limit
£2,000.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£2,000.00
Annual condition limit
N/A
Lifetime policy limit
Unlimited
Lifetime condition limit
N/A

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Car insurance

Ranked 30th of 49 providers reviewed

Customer happiness score 51.26%
Customer trust score 44.11%
Complaints performance 74.93%
Transparency rating 75.93%

Fairer Finance Score

Reviewed Autumn 2026

 61.56%
Best complaints handler

Home emergency cover

Ranked 18th of 23 providers reviewed

Customer happiness score 50.36%
Customer trust score 50.82%
Complaints performance 54.53%
Transparency rating 80.46%

Fairer Finance Score

Reviewed Autumn 2026

 59.04%

Home insurance (building and contents)

Ranked 14th of 47 providers reviewed

Customer happiness score 54.58%
Customer trust score 48.56%
Complaints performance 79.27%
Transparency rating 81.97%

Fairer Finance Score

Reviewed Autumn 2026

 66.09%