Policy Expert home insurance

Customers say
★★★★★
Customer satisfaction

Customers were satisfied with service provided

Some customers found the claims process difficult

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

• Two year fixed premiums
• New for old cover as standard on all policies
• Optional extras include home emergency cover and accidental damage
• Awarded a Crystal Mark from the Plain English campaign for jargon-free policies

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Who is Policy Expert?

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.

• Who underwrites Policy Expert's Home Insurance?

  Who underwrites Policy Expert’s home insurance?

  Policy Expert’s home insurance is underwritten by a range of providers including:

  • AXA
  • Ageas
  • Aviva
  • Midas
  • UK General Insurance

What are Policy Expert’s cover options

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.

• Policy Expert Essentials
• Policy Expert Premier
• Policy Expert Optional Extras

What’s covered under my policy?

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:

What is my excess?

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.

How much is this going to cost me?

There are a number of factors that can affect the cost of your Policy Expert home insurance premium, including:

• The level of cover you choose. A Premier policy offer more features and broader cover than an Essential home insurance policy, and this is reflected in its price.
• Your sum insured. The greater the amount you wish to insure your home or contents for, the more you can expect to pay for cover.
• Your home. The age of your home and the materials from which it is constructed can influence its ability to withstand damage.
• Where your home is located. Certain risks, for example storm and theft, are more prevalent in certain areas, and insurers will take this into consideration when calculating your premiums.
• Security. Security measures such as an alarm system and deadbolts can act as a deterrent to thieves and therefore reduce the cost of your cover.

What is the claims process for Policy Expert home insurance?

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.