Policy Expert

Policy Expert is a member of the QMetric Group and launched in 2011. 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

Ranked 43rd of 47 providers reviewed.

Customer happiness 53%
Customer trust 37%
Complaints performance 67%
Transparency rating 37%
Fairer Finance score
Reviewed Spring 2019
48%

Car insurance

Policy Expert

Car Insurance (Aviva)

4 stars
Cover for keys/locks if lost i Unlimited
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i Unlimited
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i Optional

Policy Expert

Car Insurance (Ageas Optima)

3 stars
Cover for keys/locks if lost i £400
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £50
Cover for keys/locks if stolen i £400
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 0 years
Courtesy car provided if stolen / total loss i

Policy Expert

Car Insurance (AXA)

3 stars
Cover for keys/locks if lost i £1,000
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £15
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 0 years
Courtesy car provided if stolen / total loss i

Policy Expert

Car Insurance (LV ABC)

3 stars
Cover for keys/locks if lost i Unlimited
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i Unlimited
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 5 years
Courtesy car provided if stolen / total loss i

Policy Expert

Car Insurance (Zurich)

3 stars
Cover for keys/locks if lost i £500
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £60
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 0 years
Courtesy car provided if stolen / total loss i Total loss only

Policy Expert

Car Insurance (LV Broker)

3 stars
Cover for keys/locks if lost i £1,000
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 0 years
Courtesy car provided if stolen / total loss i

Policy Expert

Car Insurance (LV Highway)

1 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i Optional
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £750
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 0 years
Courtesy car provided if stolen / total loss i Optional

Home insurance

Policy Expert

Home Premier

4 stars
Escape of water excess i £500
Matching sets i
Theft from outbuildings i £3,000
24hr helpline i
Alternative accommodation i £150,000
Cover for keys/locks if lost i £1,000
Money in the home i £1,000
New for old i

Policy Expert

Home Plus

4 stars
Escape of water excess i £500
Matching sets i
Theft from outbuildings i £3,000
24hr helpline i
Alternative accommodation i £150,000
Cover for keys/locks if lost i £1,000
Money in the home i £1,000
New for old i

Policy Expert

Home Essentials

3 stars
Escape of water excess i £500
Matching sets i
Theft from outbuildings i £1,000
24hr helpline i
Alternative accommodation i £100,000
Cover for keys/locks if lost i £500
Money in the home i £250
New for old i

Policy Expert

Home Select

3 stars
Escape of water excess i £500
Matching sets i
Theft from outbuildings i £1,000
24hr helpline i
Alternative accommodation i £100,000
Cover for keys/locks if lost i £500
Money in the home i £250
New for old i

Buildings insurance

Policy Expert

Home Essentials

3 stars
Trace & access i £10,000
Matching sets i
Cover for keys/locks if lost i £500
Compulsory excess i £100
Escape of water excess i £500
Alternative accommodation cover limit i £100,000
Cover for keys/locks if stolen i £500
Property owner liability i £2,000,000
24hr helpline i

Policy Expert

Home Premier

3 stars
Trace & access i Sum insured
Matching sets i
Cover for keys/locks if lost i £1,000
Compulsory excess i £100
Escape of water excess i £500
Alternative accommodation cover limit i £150,000
Cover for keys/locks if stolen i £1,000
Property owner liability i £5,000,000
24hr helpline i

Policy Expert

Home Select

3 stars
Trace & access i £10,000
Matching sets i
Cover for keys/locks if lost i £500
Compulsory excess i £100
Escape of water excess i £500
Alternative accommodation cover limit i £100,000
Cover for keys/locks if stolen i £500
Property owner liability i £2,000,000
24hr helpline i

Policy Expert

Home Plus

3 stars
Trace & access i Sum insured
Matching sets i
Cover for keys/locks if lost i £1,000
Compulsory excess i £100
Escape of water excess i £500
Alternative accommodation cover limit i £150,000
Cover for keys/locks if stolen i £1,000
Property owner liability i £5,000,000
24hr helpline i

Contents insurance

Policy Expert

Home Premier

4 stars
Theft from outbuildings i £3,000
Matching sets i
Cover for keys/locks if lost i £1,000
Cycles included whilst in the home i £3,000
New for old i
Alternative accomodation i £25,000
Money in the home i £1,000
Cover for keys/locks if stolen i £1,000
24hr helpline i

Policy Expert

Home Plus

4 stars
Theft from outbuildings i £3,000
Matching sets i
Cover for keys/locks if lost i £1,000
Cycles included whilst in the home i £3,000
New for old i
Alternative accomodation i £25,000
Money in the home i £1,000
Cover for keys/locks if stolen i £1,000
24hr helpline i

Policy Expert

Home Essentials

3 stars
Theft from outbuildings i £1,000
Matching sets i
Cover for keys/locks if lost i £500
Cycles included whilst in the home i £1,000
New for old i
Alternative accomodation i £10,000
Money in the home i £250
Cover for keys/locks if stolen i £500
24hr helpline i

Policy Expert

Home Select

3 stars
Theft from outbuildings i £1,000
Matching sets i
Cover for keys/locks if lost i £500
Cycles included whilst in the home i £1,000
New for old i
Alternative accomodation i £10,000
Money in the home i £250
Cover for keys/locks if stolen i £500
24hr helpline i