First of all, a note about reviewing insurance providers : most reviewers rate how easy it is to buy insurance. That's the part where the insurance provider needs you, THEY HAVE to get it right. A relevant review needs to rate the part where YOU need them, and that's when you have a claim.  I held insurance with Policy Expert for two years, the purchase process was simple and the renewal relatively smooth... However, I have recently had a problem at home and needed their help, and that's when it stopped being so smooth. The home emergency insurance provider did everything they could not to honor their contract, they wasted my time, kept changing their mind... and they finally won as I gave up and now decided to pay for the repair myself rather than deal with them. That's £250 down the drain thanks to (best case) their incompetence or (worst case) their bad faith. Thank you Policy Expert !