Policy Expert Reviews 86,786

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the competitive pricing and often find that Policy Expert offers better rates than other providers, including lower renewal quotes. Many consumers have also reported that they received a reduction in their premium upon renewal as a reward for their loyalty. Consumers consistently highlight the ease of use of the website and the straightforward process of buying or updating policies online. The staff is frequently described as helpful, professional, and efficient, with a "can-do" approach to solving queries. People also value the clear communication and the detailed explanations provided by the advisors, which instill confidence in their choices.

Based on these reviews

Rated 5 out of 5 stars

Called to cancel the auto-renew due to doubling monthly repayments but ended up with better cover. Aaron (or Arron?) was absolutely lovely and was very understanding with my terrible signal, lost bank... See more

Rated 5 out of 5 stars

A live chat that actually got to the point! Connected quickly, asked for a few key details, then resolved my query in less than a minute - it wasn't a hard one (cancelling an existing policy having a... See more

Company replied

Rated 5 out of 5 stars
Invited

Spoke with an agent in relation to my home and contents insurance renewal and arranged a cost in line with last year's payments. Which I then decided to remain with policy expert.will perhaps decide t... See more

Rated 5 out of 5 stars
Invited

It was only when we had a bad accident at home with extensive damage that we realised how well we were covered. We were offered Policy Expert supplied tradesmen or a cash settlement for each part of t... See more

Rated 5 out of 5 stars
Invited

Had to make a claim for accidental damage. Handled by claims company online really well. Quick responses, answered all questions, available by phone if necessary. Claim was dealt with quickly and... See more

Company replied

Rated 5 out of 5 stars
Invited

A great price with the lowest joint excess figure. Very easy to set up and pay for. Lower than my renewal quote from 1st Central however, I will bide my time as the second year renewal figure is what... See more

Rated 5 out of 5 stars
Invited

Policy Expert dealt with my claim in a professional friendly manner, and quickly sent an assessor who really understood what was required to sort the problem. There was no delay whatsoever in paying f... See more

Rated 5 out of 5 stars
Invited

I’ve been with policy expert for several years now, and although I have never had the need to claim on my policy, I am more than happy with their services. Communication is exceptional, from regular n... See more

Company replied

Rated 5 out of 5 stars
Invited

I found buying the policy online very easy & straightforward. Lots of information given making my choice of provider an easy one too. Very good value for money, my usual provider had increased the pri... See more

Company replied

Rated 5 out of 5 stars
Invited

Incredibly the renewal quote for house buildings & contents was less than last year and less than the several comparison sites I also checked for the same cover, so it was a no brainier.( and less str... See more

Rated 5 out of 5 stars
Invited

A Company that is not pushy and has your interest at heart. Good pricing and freebies thrown in, which other Companies would charge you for as extra. 100% satisfied and have renewed again with this Co... See more

Rated 5 out of 5 stars
Invited

Within the first week of being Policy Expert customers, we had a small claim ( burst water pipe ). Our claim was settled in days and repairs made within a week. Very satisfied with service and very... See more

Company replied

Rated 5 out of 5 stars
Invited

Renewal price from 1st Central £731...Policy Expert £343. Only just signed up to Policy Expert for car insurance. Did a few comparison Quotes on the usual websites. And went through confused.com to g... See more

Rated 5 out of 5 stars
Invited

I have been very happy with the insurance cover from Policy Expert this last year, so when the renewal came through, stayed with them. The bonus too, was that they have given me a reduction on the p... See more

Rated 5 out of 5 stars
Invited

It is incredibly easy to apply and visually you can compare policies with confidence because the format is clear. The reminder comes through each year with plenty of notice but the big reason to expl... See more

Company replied

Rated 5 out of 5 stars

Melanie Baylis was very helpful in solving my query regarding our building insurance. It was all a bit last minute on our side, but she was reassuring and offered options for us for our circumstances.... See more

Company replied

Rated 5 out of 5 stars
Invited

I can't comment on their service if you claim, as I haven't needed to claim yet. Standard on line dealings, nothing remarkable there. However, I do find it remarkable that they've significantly red... See more

Company replied

Rated 5 out of 5 stars
Invited

Very good at frequent communication...a very competitive renewal quote for the cover i require.....which in my past experience has never been the case with other providers hiking the premium by 50% mo... See more

Company replied

Rated 5 out of 5 stars
Invited

Simple and easy set up for our buildings and contents insurance. Had to call them to get some details from them and their customer service team are very friendly and answer quickly!

Rated 5 out of 5 stars
Invited

No I am not happy, my home and contents insurance was due 30 September 2025. I received no notice of renewal not by post or online. I was not given the price for renewal just notified by email that t... See more

Company replied

Rated 5 out of 5 stars
Invited

The initial renewal price was 22% higher than the price last year without any claims or changes to the policy. When I phoned up to ask why I was able to secure a better price which was acceptable.

Rated 5 out of 5 stars
Invited

Policy Expert got intouch to say my home insurance was due to renew and that my premium for the year ahead would be lower than the previous year. Well with me happy with the level of insurance I alr... See more

Company replied

Rated 5 out of 5 stars
Invited

Very easy to get in touch and extremely helpful and professional. Good mannered and everything explained in great detail.all questions answered in great detail leaving me to feel very confident with... See more

Rated 5 out of 5 stars
Invited

We made the decision to stop with Policy Expert. This is a continuation going back a few years. I think the package they offer is competitive. They also can be flexible on the price. They have helpful... See more

Company replied

Rated 3 out of 5 stars
Invited

I will never understand why insurance companies ask you to review them, when all they have done is take your money. The real test will come if you ever need to actually make a claim on said insur... See more

Company replied

Rated 3 out of 5 stars

Renewal time and sadly it looks like Policy Expert won't be getting the business this year for both the Motor and House insurances. Even a no frills search online brings my motor insurance down f... See more

Rated 5 out of 5 stars
Invited

I’ve been with Policy Expert a number of years now. Moved house last year and when my policy came up for renewal this month the premium was lower than last year. They’re not like so many others who in... See more

Rated 5 out of 5 stars

Louise is great and cancelled my policy for my old address and started one at my new address for me. She told me she usually works on pet insurance but I won’t never have known as she knew exactly wha... See more

Company replied

Rated 5 out of 5 stars
Invited

So far, so good. Just opened a home insurance policy with Policy Expert and have found everything straight forward and easy. I needed to ask a question and their live chat facility was easy to use and... See more

Rated 5 out of 5 stars
Invited

I’m a new customer so can only comment on the premium which was very competitive. Let’s hope if I have to make a claim they live up to the five stars I’ve given them.

Rated 5 out of 5 stars
Invited

Not only was I extremely happy with last year’s quote (which I accepted), as an acknowledgment of my loyalty, this year they lowered it. Well done and much appreciated Policy Expert.

Company replied

Rated 5 out of 5 stars
Invited

Received my renewal quote from Policy Expert. Then went online to source a like for like quote. Cheapest policy on Money Supermarket etc was at least £30 more per year. Why would I go anywhere else!�... See more

Rated 5 out of 5 stars
Invited

Great "no fuss" policies that suit my needs without breaking the bank. This year's renewal premium was less than the previous years premium - what's not to like!

Rated 5 out of 5 stars
Invited

Easily able to get through by phone and advisors very professional with a can do approach, nothing too much trouble. Great features in policy and very competitive.Very reassuring.

Company replied

Rated 5 out of 5 stars
Invited

As a new client I was very pleased with my competitive quote and eventually getting to the pay point because that was a tad protracted. I found very professional contact when I spoke to Policy Exper... See more

Company replied

Rated 5 out of 5 stars
Invited

Very good quote for home and contents insurance easy to renew hope any claims we hope we never need are dealt with the same efficiency

Rated 5 out of 5 stars
Invited

Excellent Customer Service! After a false start, Joseph put it all right. Rare to experience this level of care and concern - Kudos to you.

Company replied

Rated 5 out of 5 stars
Invited

My policy seems to cover what I need at a fairly reasonable price. No problems with this Insurance Company and this is my second year with them so far.

Rated 5 out of 5 stars
Invited

Very efficient service, easy to read documents, very interesting method to value the house. and a way to choose to have a basic service or full gold plated policy

Company replied

Rated 5 out of 5 stars
Invited

I sourced other companies but renewed with Policy Expert as they were not much dearer than last year!

Rated 5 out of 5 stars
Invited

Wendy was very helpful and patient with us. We’re getting on a bit now and although it was a lot to try and grasp, she was very understanding and has a friendly nature.

Rated 5 out of 5 stars

The response from the agent, Melanie, was first rate and she quickly resolved the issue I had raised. I was very impressed by her warmth and helpfulness.

Rated 5 out of 5 stars

Adelle was excellent ,I needed to ammend my policy ,she made the whole process so easy for me ,explained everything ,and was very helpful.

Rated 5 out of 5 stars
Invited

Renewed with Policy Expert without issue - Price was more expensive than the previous year but was still cheaper than every other quote I found.

Rated 5 out of 5 stars
Invited

My policy was cheaper than previously, without asking ! This must be a first. Luckily I have not had to make a claim, but renewing was easy. Very happy with Policy Expert.

Rated 5 out of 5 stars
Invited

Easy process Saved a pensioner £150 thank you so much I have never claimed ever on my insurance so how can LV put extra £40 on it yearly and be twice the price of yourselves

Rated 4 out of 5 stars
Invited

Easy to set up a new house insurance policy online, and a reasonable price for what's on offer.

Rated 5 out of 5 stars

I have been with Policy expert for a few years and never had to contact them but this is the first time I needed to update my policy as i had forgotten to tell them about something that needed to be a... See more

Rated 5 out of 5 stars

Hi there, I'd like to highlight some very positive customer feedback I have received from Katie today on the chat service. I really felt 'heard' whist also being educated how you at po... See more

Rated 5 out of 5 stars

Had to renew our home insurance. Unfortunately, even though I had cancelled auto renew it did not log it on their system. I didn't want to renew as the price had gone up and I had found a cheaper al... See more

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Company details

  1. Insurance Company
  2. Auto Insurance Agency
  3. Home Insurance Agency
  4. Insurance Agency

About Policy Expert

Written by the company

About us:

We’re Policy Expert – the award-winning home and car insurance provider, trusted by over 1.5 million UK customers.

We’re on a mission to make insurance easier. Our policies are written in plain English, our cover is designed to suit your needs and our claims processes are nice and easy - so you can have peace of mind.

If you need us, our friendly team in our UK-based contact centres will be happy to help. Drop us a message or give us a ring.

Our opening hours:

Mon – Thurs: 08.30 – 19.00

Friday: 08.30 – 18.00

Saturday: 09.00 – 13.00

Home and car insurance from Policy Expert

Written by the company


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

87K reviews

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1-star

Replied to 98% of negative reviews

Typically replies within 24 hours


Rated 1 out of 5 stars

Crooks

Crooks. Do not insure with this Policy Expert Scam who rip people off.

October 5, 2025
Unprompted review
Rated 1 out of 5 stars

Extremely Poor Breakdown and Claims Assistance Service

Yesterday (Sat), my vehicle was involved in an accident on the M25, resulting in damage to the front bumper and bonnet. I immediately logged the incident on your web portal and was contacted by a company called Call Assist, who informed me that a recovery company named Automania would be sent to assist.
Shortly afterwards, Automania arrived and asked where the car should be towed. I advised them to tow the vehicle either to the Policy Expert approved repairer since I’m going to make a claim or, if that was not possible, to my private driveway. However, they claimed they did not have Policy Expert’s garage information and then refused to tow the vehicle to my private driveway, citing “public safety concerns.” I was pressured into agreeing that the vehicle be towed to Automania’s storage facility instead.
Later, I received another call from Call Assist informing me that I must pay for three days of storage at Automania, as the breakdown assistance does not cover storage charges. This was completely unexpected, and I was repeatedly pressured to make payment, despite my comprehensive policy and the fact that the storage was not my choice.
I then attempted to contact the Policy Expert claims hotline, but it was unavailable outside office hours. I eventually reached the so-called “urgent out-of-hours claim service”, which turned out to be yet another third-party provider with no access to my policy information. They simply took down the same details already recorded in my policy, stated they would pass the information to the main team, and advised me to call again on Monday. They provided no practical assistance whatsoever.
In summary, I have discovered the following serious issues:
1. I was pressured by subcontractors to pay for storage that I neither requested nor authorised.
2. The breakdown and claims process appears to be heavily outsourced and fragmented across multiple third parties: Policy Expert → Policy Expert Breakdown → Call Assist → Automania, with minimal coordination or accountability.
3. There was no effective support during out-of-hours emergencies, despite Policy Expert claiming to offer 24/7 claims assistance.
4. There was no clear responsibility among the involved parties regarding the handling, storage, and claim process of my vehicle.
I purchased a comprehensive insurance policy with the expectation that Policy Expert would manage the process professionally and take responsibility for all authorised subcontractors. Instead, I was left stranded on the motorway, confused about who was in charge, and forced to negotiate with multiple third parties demanding payment.

October 11, 2025
Unprompted review
Rated 1 out of 5 stars

Dismissed my claim for property…

Dismissed my claim for property nuisance following continous access/egress obstruction, fly-tipping, racially aggrevated public order offence, overgrowth spilling over the fence + light blockage from evergreen foliage, trespassing, and much more. It was deemed by policy expert that all this was a "personal nuisance" matter instead of the covered "property nuisance"...

Waste of money.

October 24, 2024
Unprompted review
Rated 4 out of 5 stars
Invited

Easy transaction

Easy transaction , competitive price . As with all insurance it’s what happens if there is ever a claim that provides a true experience . Hopefully I don’t get to that stage .

October 12, 2025
Rated 3 out of 5 stars
Invited

Best for boring people

If you want the feeling of being insured these are for you.
If you think you might need to claim or plan to make changes to your home go elsewhere.
They don't want people that do any of these expensive things like have a burst water main

October 10, 2025

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