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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Home insurance (building and contents)

Ranked 48th of 49 providers reviewed.

Customer happiness 52.22%
Customer trust 40.49%
Complaints performance 73.88%
Transparency rating 62.3%
Fairer Finance score
Reviewed Spring 2022
57%

Car insurance

Policy Expert

Gold (with key cover, replacement vehicle and Breakdown)

4 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 £0.00
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 £0.00
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 insurance (building and contents)

4 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £3,000.00
Escape of water excess i £500.00
Garden plants i
Alternative accommodation cover limit for contents i £25,000.00
Alternative accommodation cover limit for buildings i £150,000.00
Cover for keys if lost i £1,000.00
Money in the home i £1,000.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

Policy Expert

Silver

2 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £1,000.00
Escape of water excess i £500.00
Garden plants i
Alternative accommodation cover limit for contents i £10,000.00
Alternative accommodation cover limit for buildings i £100,000.00
Cover for keys if lost i £500.00
Money in the home i £250.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

Policy Expert

Bronze

1 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £1,000.00
Escape of water excess i £500.00
Garden plants i
Alternative accommodation cover limit for contents i £10,000.00
Alternative accommodation cover limit for buildings i £75,000.00
Cover for keys if lost i £300.00
Money in the home i £250.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

Buildings insurance

4 stars
Trace and Access i sum insured
Cover for keys if lost i £1,000.00
Matching sets i 50% of the cost of replacing the undamaged parts
Rainfall (mm) i 25 mm per hour
Alternative accommodation cover limit i £150,000.00
Cover for keys if stolen i £1,000.00
Compulsory excess i £100.00
Escape of water excess i £500.00
24hr helpline i
Property owner liability i £2,000,000.00

Policy Expert

Bronze

3 stars
Trace and Access i £5,000.00
Cover for keys if lost i £300.00
Matching sets i
Rainfall (mm) i 25 mm per hour
Alternative accommodation cover limit i £75,000.00
Cover for keys if stolen i £300.00
Compulsory excess i £100.00
Escape of water excess i £500.00
24hr helpline i
Property owner liability i £2,000,000.00

Policy Expert

Silver

3 stars
Trace and Access i £10,000.00
Cover for keys if lost i £500.00
Matching sets i
Rainfall (mm) i 25 mm per hour
Alternative accommodation cover limit i £100,000.00
Cover for keys if stolen i £500.00
Compulsory excess i £100.00
Escape of water excess i £500.00
24hr helpline i
Property owner liability i £2,000,000.00

Contents insurance

4 stars
Matching sets i 50% of the cost of replacing the undamaged parts
Cover for keys if lost i £1,000.00
Theft from outbuildings cover limit i £3,000.00
Cycles included whilst in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £1,000.00
Money in the home i £1,000.00
Alternative accommodation cover limit i £25,000.00
24hr helpline i

Policy Expert

Bronze

2 stars
Matching sets i
Cover for keys if lost i £300.00
Theft from outbuildings cover limit i £1,000.00
Cycles included whilst in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £300.00
Money in the home i £250.00
Alternative accommodation cover limit i £10,000.00
24hr helpline i

Policy Expert

Silver

2 stars
Matching sets i
Cover for keys if lost i £500.00
Theft from outbuildings cover limit i £1,000.00
Cycles included whilst in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £500.00
Money in the home i £250.00
Alternative accommodation cover limit i £10,000.00
24hr helpline i