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
To make sure you’re prepared for everything life throws your way, you’ll want to make sure you find the best home insurance policy to protect your home and belongings.
Policy Expert offer two levels of home insurance cover and a range of optional extras for their customers.
They also compare a range of home insurance policies from other providers including AXA, Ageas and Aviva, so you can find cover that’s tailored specifically to your needs.
Read on to find out if Policy Expert have a home insurance policy that’s right for you.
Policy Expert Home Insurance
Policy Expert launched in 2011 and within 2 years, they were the number 1 rated UK home insurance provider on Review Centre. They have stayed at number 1 since 2013.
They now insure over 400,000 homes in the UK and still carry the ethos putting their customers first.
Policy Expert have been awarded a Crystal Mark from the Plain English campaign for their jargon-free policies and are 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 offer buildings and contents home insurance or both together. They offer two levels of cover so you can choose the cover that’s the right fit for you.
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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