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Policy Expert Reviews

4.7 Rating 19,525 Reviews

96 %

of reviewers recommend Policy Expert

Company Reviews

4.7

Based on 19,525 reviews


Shipping & Delivery
Delivery Methods	Postal Service
Average Delivery Time	Next Day
On-time Delivery	98%
Accurate And Undamaged Orders	100%
Customer Service
Communication Channels	Telephone, Email, Live Chat
Queries Resolved In	Under An Hour
Customer Service	4.8 out of 5
Returns & Refunds
Returns Process	Easy

About Policy Expert:

Insurance for people like you
We’re Policy Expert and we create insurance for people like you. Clear policies. Cover to suit your needs. Easier claims.

Award-winning home and car insurance
Okay, so it’s only insurance. But people love what we do. So much so, that our customers have voted us MoneyFacts Home Insurance Provider of the Year 2022 and Insurance Choice Awards Best Home Insurance Provider 2022. Thanks!

The kind of insurance you want
Whether it’s choosing the right policy of sorting out a claim, we’re on a mission to change insurance for the better. With Policy Expert, you get the kind of insurance you want.

Visit Website

Phone:

0330 0600 600

Email:

ask@policyexpert.co.uk

Location:

110 Bishopsgate,
London
City of London
EC2N 4AY

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Policy Expert 5 star review on 13th February 2023

Policy Expert 5 star review on 29th January 2023

Policy Expert 5 star review on 29th January 2023

Policy Expert 5 star review on 8th December 2022

Policy Expert 5 star review on 25th November 2022

Policy Expert 5 star review on 11th June 2022

Policy Expert 5 star review on 9th March 2022

15

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Do Not Use! I work in the Insurance industry and I wish listened to all the reasons I shouldnt have used policy expect. There's a reason they are cheap! I lost part of my roof due to the huge storm in the UK. I went through the claim procedure, was told the wind MPH was 10Mph over the claim minium so my claim was fine, but as they were so busy with claims, could I get some quotes and send them over. Once I did this they told me they were no longer going to pay as had so many payouts, they then kept changing reason as to why all of which contridicted each other. My car insurance was due for renewal while this claime was being argured. So I cancelled the renewal due to how they had handled my roof claim. Then a few weeks later they took the money for my car insurance, I called and was told I was a lier by an extremely rude person and I'd not said I wanted to renew. I told them to go listen back to phone calls and I would be going to the ombudsman. Then 10 mins later got a phone call back from the guy with his tail between his legs saying I was correct. Stay away”

Posted 1 year ago

Good morning, We appreciate you taking the time to outline your concerns to us. After speaking with Trinity claims, they advised that you made a claim for storm damage to your roof in November 2021. A surveyor attended your property and found that the whole roof had needed replacing due to rot, there were also some tiles missing from the roof. Therefore, the claim was declined due to lack of maintenance and gradual wear and tear which is a general exclusion within our policies. We understand that you did not accept the reason for the decline and escalated this further. Trinity had sent you a letter with their final position on the matter in December 2021 and had no further contact from you. With regards to the comments about your motor policy, the team have confirmed that a complaint was raised in January as your policy had automatically renewed in error. The motor team contacted you and offered you a resolution along with their final position for your complaint. You were satisfied with the outcome and considered the matter as resolved. If you do wish to discuss this further or if there is anything else we can help you with, please contact us directly. We are available at homereviews@policyexpert.co.uk. Thanks, Nisha

Posted 1 year ago

“Got a conservatory one glass panel exposed, thay put it down to the hot wether. Did not pay out. I won't be going back with policy expert . Rubbish.”

Posted 1 year ago

Good afternoon Susan, Thank you for taking the time to outline your claims experience. Upon reviewing your comments, I understand you made a claim for the inside panel of your double-glazed roof panels but were unsure of the damage. When our surveyor attended your property, they advised this was caused by thermal expansion, this is an exclusion on our policies, therefore your claim was declined. As you have access to all your policy documentation on your online account 24/7, you would have been made aware of this exclusion before you submitted a claim. Should you need any further assistance, please don't hesitate to get in touch with us on 0330 0600 632, our Live Chat service or pop us an email at homereviews@policyexpert.co.uk. Thanks, Ellie

Posted 1 year ago

“cheap insurance, that does not cover anything. Pointless”

Posted 1 year ago

Good afternoon, Thank you for taking the time to outline your claims experience to us. Upon speaking with our claims team, we understand that you submitted a claim for storm damage in December 2021. A surveyor was sent to the insured property, and they advised the damage was due to wear and tear and not from a one-off event. On page 16 of your policy wording document, it is clearly stated that: "loss or damage as a result of gradual causes including - wear and tear" falls within the General Exclusions section. As a result, the claim was declined. We also understand you submitted a second claim for loss away from home. However, as you had chosen not to take out cover for possessions away from home, this could not be covered. We can see that when your policy was renewing, you did add this additional cover but, when advised of the updated price, you chose not to proceed with the renewal. If there is anything else we can assist you with, please don't hesitate to contact us directly at: homereviews@policyexpert.co.uk. Kind regards, Darran

Posted 1 year ago

“Hi Purchased car insurance from you Start date commenced 3 days later Found out that my wife had already got insurance for car Decided to cancel £30 cancellation charge even though policy had not started Poor service I thought Be aware David”

Posted 1 year ago

Hi David, Thanks for getting in touch. I am sorry to hear you were unhappy with the service received from Policy Expert. I have located you're policy and can see you have spoken with a member of our service teamwho offered an explanation and resolution which I understand has been accepted. If you do wish to discuss this further, please do not hesitate to get in touch. Thanks Mick

Posted 1 year ago

“Stay away,at all costs !!!! Stay away, no idea what they are talking about. I had an accident where the 3rd party pulled in front of me and stopped on the motorway. The 3rd party admitted liability straight away. I phoned policy "expert" to explain the situation. The "lady" on the phone said I had hit someone in the rear therefore It's my fault, regardless of what the 3rd party said and I'll be losing my no claims even though it's protected. I got a solicitor involved, who eventually managed to get my claim settled in my favour "Winns sols, very good" Policy "Expert" shocking.”

Posted 1 year ago

Good afternoon Paul, Thank you for getting in touch and leaving a review. We appreciate your feedback. I'm sorry you've been unhappy with our claims processes and service. We hope following the conversation you had with one of our advisors yesterday that we were able to ease some of your concerns by offering a further explanation into the process. If you have any further questions, please do not hesitate to contact us on 0330 0600 602 or by sending an email to motorreviews@policyexpert.co.uk. Kind Regards,

Posted 1 year ago

“Cancelled my renewal after changing my address, also charged £1.64 for changing my address, i know its not a lot but they dont have an option to do so online so had to ring them. So, thousands of customers get charged/ripped off for changing the address, which if theft. As this function should be free and available online. Not talking canceling my renewal. waste of pis' of sh@t”

Posted 1 year ago

Good afternoon Albina, Thank you for getting in touch and leaving us a review. We appreciate your feedback. I'm sorry that we couldn't offer you a renewal quote this year. Unfortunately, any changes in your details can affect whether we can offer a quotation as these are subject to our underwriter's criteria. Changing your details, including changing your address, can also affect your premium as all changes are subject to our underwriting rates. This is why there has been a slight increase in your premium, though I appreciate this does not take away from the frustration of paying this. We tried to speak with you today in the hopes of offering a further explanation, if you have any further questions regarding this, please do not hesitate to contact us on 0330 0600 602 or send an email to motorreviews@policyexpert.co.uk and we will be happy to call you back. Kind Regards, Heather.

Posted 1 year ago

“DON NOT USE THIS COMPANY THEY ARE FRAUDULENT!!!!! THEY JUST CANCELLED MY CAR INSURANCE FOR THE STUPIDEST OF REASONS!!!!! THEY ARE OUT FOR YOUR MONEY!!! I dealt with a woman CALLED DENISE WAIRD who was disgustingly RUDE AND DISRESPECTFUL MAKING THINGS UP AND TRYING TO TRICK ME INTO SAYING WHAT SHE WANTED TO HEAR!!!!”

Posted 1 year ago

Good afternoon, Mr Mowatt, Thank you for getting in touch and leaving us a review. We appreciate your feedback. I'm sorry to hear you've been unhappy with our processes and the service received and I'm sorry to hear that we had to cancel your policy. We routinely conduct enquiries into the information provided by our policyholders. This is to ensure you are protected from fraud and identity theft, the information is up-to-date, and your insurer has offered you cover on the correct terms. We made several attempts to contact you by email and telephone to discuss this with you. Unfortunately, if there are discrepancies in the information provided to us, there may be occasions where the policy needs to be cancelled as the underwriter is not able to offer cover based on the corrected details, though I appreciate this does not take away your frustration with the outcome. We have reviewed the call you have referenced in your review based on the points you raised. Upon completion of the investigation, we found the agent you spoke with remained professional and acted with integrity throughout the call, only asking relevant questions and acting upon the information you volunteered to us. If you would like to discuss this further, please send an email to motorreviews@policyexpert.co.uk confirming the best contact number and time to get in touch and we will be happy to give you a callback. Kind Regards, Heather.

Posted 1 year ago

“Would never use them again or recommend them. They tell you what’s covered if you upgrade however they just use excuses not to pay out! Go somewhere else and read the small print”

Posted 1 year ago

Good Afternoon, We appreciate you taking the time to outline your concerns to us. Our specialist claims handlers, Trinity, ensure that our claims process is fixed so that all claims are handled fairly and in line with the policy terms and conditions. After speaking with Trinity, I understand that you wanted to make a claim for the loss of a ring within your home. Your policy documentation clearly outlines that there is no cover for loss inside your home, your policy only covers loss of contents away from the home. We understand that this was not the outcome you were expecting, however, we are only able to cover claims that fall within the policy limits. If you do wish to discuss things further or if there is anything else I can help you with, please contact me directly. I am available at homereviews@policyexpert.co.uk. Thanks, Nisha

Posted 1 year ago

“I've got charged 90 pounds in fees just for cancelling the insurance.”

Posted 1 year ago

Good afternoon Peter, Thank you for getting in touch and leaving us a review. I'm sorry to hear you've been unhappy with the cancellation fee charged. We tried to call you today to advise that we are currently in the process of investigating this for you, however unfortunately we were unable to reach you. If you could send an email to motorreviews@policyexpert.co.uk confirming the best time to get in touch and the best contact number, we'll be sure to give you another call. Kind Regards, Heather

Posted 1 year ago

“Got invited to renew then when i rang them to pay for the new policy i was told that they can not insure the house as it was going through probate”

Posted 2 years ago

Good Afternoon, Thank you for taking the time to leave us a review. Whilst a property is going through probate, we are unable to make any adjustments to the policy. Furthermore, if probate has not completed before the renewal date, then we would unfortunately, not be able to offer further cover. I have managed to locate the policy relating to your review and can see that we emailed you confirming this on 22 September 2021. Our regulator still requires us to send renewal invites and reminders when a policy is in the renewal window. I understand that this may have been upsetting or inconvenient. However, we wanted to ensure that you were aware of the upcoming expiry, so you have plenty of time to find an alternative, more appropriate insurer for the property whilst probate is outstanding. If you do wish to discuss this matter further or if there is anything else I can help you with, please contact me directly. I am available at homereviews@policyexpert.co.uk. Thanks, Nisha

Posted 2 years ago

“Abysmal service regarding a Storm Damage . Be wary ! They used Google Earth to ‘virtually’ inspect my toppled wall . They have now cancelled my Policy, based on their error, leaving me uninsured . I have learnt a lesson - the cheapest Policy sounds great, until you need support & service with a Claim .”

Posted 2 years ago

Good Evening Mr Hughes, We appreciate you taking the time to fully outline your concerns. Here at Policy Expert, we are proud to say that we pay out on all valid claims submitted within the terms of our policies. All Policy Expert branded policies are written in Plain English and have Crystal Mark Plain English approval. Therefore, we are confident that the cover our policies include, and exclude, is clearly outlined for our policyholders. I can assure you your comments have been escalated and once all of the information has been fully reviewed, we will be in touch. Thanks, Ellie

Posted 2 years ago

“AVOID POLICY EXPERT CAR INSURANCE AVOID NOT TO BE TRUSED THEY PAYED OUT ON TO SOME ONE ON A CLAM NEVER CAME BACK TO ME ` SO I COULD DEFEND IT DID NOT KNOW THEY HAD PAID THEM TILL A FEW MOUTHS LATER WHEN I GOT AN ALL ELETRIC CAR THEY SAID THEY DONT INSURE ELECTRIC CAR THATS WHEN I FOUND OUT THEY PAID A CLAM £66.+THEY CLOSED MY PLOLICE AND MADE A CHARG THOUGH IT NOT MY FULT. THEN TOLD ME THEY PAY £66.82 FOR THE MOUTHS NOT USED THEN NO MONEY PAID INTO MY BANK WHEN I PHONE WAS TOLD THEY WERE NOT PAYING ME FOR THE TIME I HAVE NOT USED RIP OF MERCHANS”

Posted 2 years ago

“Fair price and good cover. Very user friendly website. UNTIL YOU NEED TO CLAIM THAT IS”

Posted 2 years ago

Good Afternoon Mr Handy Thank you for taking the time to leave us a review. Our specialist claims handlers ensure that our claims process is fixed so that all claims are handled fairly and in line with the policy terms and conditions. After speaking with Trinity claims, it has been established that your claim does not fall within the insured cover limits of our policy. I understand that our claims team have sent you a letter outlining these findings as their final stance on the matter. I appreciate that you're not satisfied with the outcome of your claim, however, please understand that we are only able to honour claims that are covered within the policy limits. As you have mentioned that you have escalated this to the Financial Ombudsman, our claims team will communicate with them directly to resolve this matter accordingly. Thanks, Nisha

Posted 2 years ago

“AVOID AT ALL COSTS! Talking of costs, this company feel that they can profit from their customers moving house! I made a phone call simply to change my address. I was told there would be a £30 charge for doing so. THIRTY POUNDS! My GP Surgery, dentist, workplace, home insurance company, absolutely everywhere managed to change my address without charging me for the pleasure. Yet Policy Expert tried to make money on my personal choice of moving home. Unbelievable, upsetting and disgraceful. I told the woman to forget it as my policy was ending in a month anyway. This woman agreed. But she then went on to send me an email stating my policy would be cancelled within the next 7 days AND there would be a £60 cancellation fee. A cancellation fee for something I did not ask to be cancelled, they have decided to cancel the policy and charge me for it. A disgusting company who do not look out for their customers but instead try to profit from their personal choices throughout their home lives. KEEP AWAY FROM POLICY EXPERT.”

Posted 2 years ago

Hi, Thanks for taking the time to leave your review. I am sorry to hear you were unhappy with the cost to update your policy details. I’ve located your policy and can see you’ve spoken with a member of our service team who has offered an explanation and a resolution which I understand has been accepted. If this is not the case, or if there any other concerns you have, please do not hesitate to get in touch. I am available via email at motorreviews@policyexpert.co.uk. Thanks, Mick

Posted 2 years ago

“Worst insurance company ever. I have changed my car as old one was written off. When I called them I was told that they can’t insure my car and they couldn’t say what is the reason for that. And than I forced by them to cancel my policy and to pay £214 because they can’t insure my new car. How the such thing could be? I don’t suggest this company to anyone. Please be really careful as you can get into same situation like me if you decide to change your car”

Posted 2 years ago

Good afternoon Barash, Thank you for leaving us a review, we appreciate all feedback from our customers. I can see one of our team has now spoken to you regarding your issue and has offered what we hope is an acceptable resolution. If you do have any other questions or would like to discuss this further, please do not hesitate to email us at motorreviews@policyexpert.co.uk. Kind Regards, Vicky

Posted 2 years ago

“Bad customer service”

Posted 2 years ago

Good Afternoon, I'm sorry to hear that you are unhappy with the service you have received from Policy Expert. We would love the opportunity to investigate your concerns, but we are disappointed to see that you have not provided us with any information to identify your account or policy. If you could please email your details to me at homereviews@policyexpert.co.uk, I'll look into your comments right away. Thanks in advance, Jasmine

Posted 2 years ago

“Customer service is terrible my legitimate claim was refused then I was intimidated by management, other authorities are now involved.”

Posted 2 years ago

Good Afternoon, Thank you for giving us the opportunity to look into your concerns. I understand that following a thorough investigation of the circumstances of your claim, in line with the terms of your policy, you have now received a final response letter from our claims team. This outlines their final position and what further steps you can take should you wish to escalate your dissatisfaction with the decline. You can also rest assured that our claims team will fully cooperate with any authorities involved in investigating your allegations. Thanks, Jasmine

Posted 2 years ago

“Signed up to Policy Expert because there was a cashback incentive at the time. Months later this has been declined with no explanation. Baiting people with false advertising doesn't inspire trust.”

Posted 2 years ago

Good Afternoon, We appreciate you taking the time to raise this with us. In order to be eligible for our cashback offers, policyholders must meet the terms and conditions displayed on the cashback site. These include terms such as: purchasing a quote directly obtained via a link on a cashback site, not having been insured with Policy Expert in the last five years and not attempting to purchase a policy in conjunction with any other offer. I would love the opportunity to look into this for you further and explain why you have not been eligible for cashback in this instance. However, I'm afraid I have been unable to locate your account with the details provided in your review. Please, therefore, email me at homereviews@policyexpert.co.uk and I will pick this up right away. Thanks in advance, Jasmine

Posted 2 years ago

“There was a problem and misunder standing with your product after speaking to your staff about the insurance for my wife's rings was not included in the contents I informed I did not want to take out your policy but you already taken the £141 out of my bank which you promised to give me a full refund in the nest 3to5 days your prepossel form is very misleading”

Posted 2 years ago

Good Afternoon Terence Thank you for taking the time to leave us a review. At the point of purchasing a Policy Expert home insurance policy, we ask all policyholders to ensure that they are providing us with honest and correct information. One of the questions that we ask in our application for insurance is 'Do you have any valuables or personal items worth over £2,000 each (not including bicycles)? We have a duty of care to ensure our policies are providing adequate cover and we will require for the valuables to be specified. We have reviewed the call that you had with our agent and found that you had informed us of the valuables after you had provided us with your card details and paid for the policy. The agent confirmed that we would need to adjust your policy accordingly and transferred you over to our adjustments team. You had then decided to cancel your policy, we had arranged this for you and advised that you will receive your refund within 3-5 working days. If you do wish to discuss things further or if there is anything else I can help you with, please contact me directly. I am available via phone or you can email me at homereviews@policyexpert.co.uk. Thanks, Nisha

Posted 2 years ago

“One small accident in 10 years insurance quote 400% higher and took 2 months to settle”

Posted 2 years ago

Hi Victor, Thanks for getting in touch. I am sorry to hear your premium increased following your recent claim. Unfortunately, having a claim recorded on your policy can cause your premium to increase or even be unacceptable to your insurer, regardless of fault or size of the claim. I am sorry to hear of the time it took to settle your claim. There are many factors which can contribute to a claim remaining open for a significant period of time and there is no set time limit on how long a claim can take to be settled. If you wish to discuss this further, please do not hesitate to get in touch. I am available via email at motorreviews@policyexpert.co.uk. Thanks, Mick.

Posted 2 years ago

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Policy Expert is rated 4.7 based on 19,525 reviews