Policy Expert offers two levels of home insurance cover and a range of optional extras. It also compares a range of home insurance policies from other providers including AXA, Ageas and Aviva, so you can find cover that’s tailored to what you need.
We’ve analysed what’s on offer to show you what you get with Policy Expert.
Policy Expert home insurance
Policy Expert launched in 2011 and gets 4.5 stars out of 5 on Trustpilot based on more than 19,000 reviews.
The company says it insures over 400,000 homes in the UK.
Policy Expert has been awarded a Crystal Mark from the Plain English campaign for its jargon-free policies and is also a member of the Flood Re scheme. This scheme helps people in flood-risk areas to access flood cover that’s affordable.
Policy Expert offers buildings and contents home insurance or both together. There are two levels of cover so you can choose the cover that’s the right fit.
Essentials Cover is Policy Expert’s most basic level of cover and you can choose a buildings or contents insurance policy. If you would like to combine your buildings and contents insurance, you can choose the Policy Expert Select policy.
Features of the Essentials policy include:
Premier Cover offers similar benefits to the Essentials cover, but the limits are higher.
Features of this policy include:
Policy Expert home insurance offers additional cover options for their customers, these include:
Policy Expert’s most basic Essential cover home insurance policy offers cover and protection for your home against certain risks, depending on whether you choose Buildings or Contents insurance. Both buildings and contents insurance will cover:
Policy Expert offer a range of additional benefits which are included as standard. These are:
|Buildings sum insured||✓|
|Trade and access||✓|
|Accidental damage to fixed glass||✓|
|Replacement lock and keys||✓||✓|
|Property owner’s liability||✓||✓|
|Contents sum insured||✓|
|Valuables inside your home||✓|
|Contents in outbuildings||✓|
|Vistor’s personal belongings||✓|
|Increase in contents sum for weddings, birthdays and religious festivals||✓|
|Theft of contents||✓|
An excess is the amount of money you contribute when you make a claim. The amount of your excess will depend on the level of cover you have and the nature of your claim. If the nature of your claim is both buildings and contents, the higher excess will be applied.
Make sure you refer to your policy schedule as this will outline the amount of excess you have agreed to pay.
There are a number of factors that can affect the cost of your Policy Expert home insurance premium, including:
If you wish to make a claim on your home insurance policy, you will need to get in contact with Trinity Claims, who handle claims for Policy Expert.
You can call Trinity Claims on 03300600633 or write to them as soon as you can and within 30 days of the event. Their address can be found in your policy booklet.
For greater detail about how to claim, make sure to refer to your policy booklet.
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