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 41st of 49 providers reviewed.

Customer happiness 52%
Customer trust 38%
Complaints performance 69%
Transparency rating 44%
Fairer Finance score
Reviewed Autumn 2019
51%

Car insurance

Policy Expert

Car Insurance (Aviva)

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

Policy Expert

Car Insurance (Ageas Optima)

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

Policy Expert

Car Insurance (AXA)

3 stars
Cover limit for lost keys 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 limit for stolen keys i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i 75
Repairs guarantee (years) i 0 years
Courtesy car provided if stolen / total loss i

Policy Expert

Car Insurance (LV ABC)

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

Policy Expert

Car Insurance (Zurich)

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

Policy Expert

Car Insurance (LV Broker)

3 stars
Cover limit for lost keys 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 limit for stolen keys i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i 75
Repairs guarantee (years) i 0 years
Courtesy car provided if stolen / total loss i

Policy Expert

Car Insurance (LV Highway)

1 stars
Cover limit for lost keys 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 limit for stolen keys i £750
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i 75
Repairs guarantee (years) i 0 years
Courtesy car provided if stolen / total loss i Optional

Home insurance (building and contents)

Policy Expert

Home Premier

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

Policy Expert

Home Plus

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

Policy Expert

Home Essentials

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

Policy Expert

Home Select

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

Buildings insurance

Policy Expert

Home Essentials

4 stars
Finding & repairing a leak cover limit i £10,000
Matching sets i
Cover for keys if lost i £500
Compulsory excess i £100
Escape of water excess i £500
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £500
Property owner liability i £2,000,000
24hr helpline i

Policy Expert

Home Premier

4 stars
Finding & repairing a leak cover limit i Sum insured
Matching sets i
Cover for keys 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 if stolen i £1,000
Property owner liability i £5,000,000
24hr helpline i

Policy Expert

Home Select

4 stars
Finding & repairing a leak cover limit i £10,000
Matching sets i
Cover for keys if lost i £500
Compulsory excess i £100
Escape of water excess i £500
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £500
Property owner liability i £2,000,000
24hr helpline i

Policy Expert

Home Plus

4 stars
Finding & repairing a leak cover limit i Sum insured
Matching sets i
Cover for keys 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 if stolen i £1,000
Property owner liability i £5,000,000
24hr helpline i

Contents insurance

Policy Expert

Home Select

4 stars
Theft from outbuildings cover limit i £3,000
Matching sets i
Cover for keys if lost i £1,000
Cover limit for cycles in the home i £3,000
Replace belongings new for old i
Alternative accommodation cover limit i £25,000
Money in the home cover limit i £1,000
Cover for keys if stolen i £1,000
24hr helpline i

Policy Expert

Home Plus

4 stars
Theft from outbuildings cover limit i £3,000
Matching sets i
Cover for keys if lost i £1,000
Cover limit for cycles in the home i £3,000
Replace belongings new for old i
Alternative accommodation cover limit i £25,000
Money in the home cover limit i £1,000
Cover for keys if stolen i £1,000
24hr helpline i

Policy Expert

Home Essentials

3 stars
Theft from outbuildings cover limit i £1,000
Matching sets i
Cover for keys if lost i £500
Cover limit for cycles in the home i £1,000
Replace belongings new for old i
Alternative accommodation cover limit i £10,000
Money in the home cover limit i £250
Cover for keys if stolen i £500
24hr helpline i

Policy Expert

Home Premier

3 stars
Theft from outbuildings cover limit i £1,000
Matching sets i
Cover for keys if lost i £500
Cover limit for cycles in the home i £1,000
Replace belongings new for old i
Alternative accommodation cover limit i £10,000
Money in the home cover limit i £250
Cover for keys if stolen i £500
24hr helpline i