Policy Expert Reviews

4.7 Rating 19,521 Reviews
96 %
of reviewers recommend Policy Expert
4.7
Based on 19,521 reviews
Shipping & Delivery
Delivery Methods
Postal Service
Average Delivery Time
Next Day
On-time Delivery
99%
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
Read Policy Expert Reviews

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
Ewa
Policy Expert 5 star review on 29th January 2023
Paul I
Policy Expert 5 star review on 29th January 2023
Paul I
Policy Expert 5 star review on 8th December 2022
Kirsty
Policy Expert 5 star review on 25th November 2022
Rebecca
Policy Expert 5 star review on 11th June 2022
Stephen J
Policy Expert 5 star review on 9th March 2022
Anonymous
15
Anonymous
Anonymous  // 01/01/2019
Something went very wrong with my septic tank. Policy expert and Catalyst Claims who they use left us with no services in the house for two weeks and never contacted us when they were supposed to EVER. They then came back and said. Based on the engineers ASSUMPTIONS as he couldn't see under ground. He thought that the installation MAY have been wrong 20 years ago but couldn't be sure although its good enough for them to deny the claim. I countered with what my engineer said. That the tractor that cut the grass although meant to be low ground pressure may have caused the damage which would be covered in accidental an (assumption but none the less no different to what they said). They countered with it wouldn't be covered as it happened over a period of time even though I explained one day it worked and the next it didn't therefore being covered in accidental. They refused saying it could be but you need evidence then trying to tell me when I challenged that they on their side had ruled on the basis of an assumption made it very clear they wouldn't pay on an assumption. No middle ground. Not even prepared to help. Told me. When you fix it. If you find we are wrong when you get deep enough take pictures and take it to our complaints. THEY are meant to investigate to ascertain if its covered under the insurance but know I can't live without services so they just roll the dice. Absolutely awful experience and id advise being very careful and read reviews prior to going with just any company on price comparison sites.
Helpful Report
Posted 4 years ago
Good Afternoon Thank you for taking the time to leave us a review. I am sorry to hear of the inconvenience you have experienced. Our claims team will always look to review your claim to ensure it is in line with your cover levels. We would like to clarify exactly what has happened however, you have not left any details for your account on your review. Therefore, please contact us directly, we are available via phone, email, text and live chat. All our contact details can be found on our website https://www.policyexpert.co.uk/contact/ Thanks, Nisha
Posted 4 years ago
the most expensive and the worst insurance company I have ever encountered
Helpful Report
Posted 4 years ago
Good afternoon Daniel, I am very sorry to hear you feel this way. As you have not left any further details surrounding your dissatisfaction or any of your account information I am unable to comment further on the specifics of your experience however I would love the chance to discuss this with you further and get some more detailed feedback. Please contact me on 0330 0600 632, ask@policyexpert.co.uk or we are available via live chat on our website. Thanks, Georgie
Posted 4 years ago
Absolute joke, Policy Expert and Trinity claims should be ashamed of themselves. I took out a home insurance policy after seeing an advert, however when it came to making a NON FAULT CLAIM I was treated as though I was at fault by Trinity claims and their contractor Westone Housing Ltd of Peterborough (who frankly were as incompetent as it gets). There is a lot of detail as to why Trinity Claims are a joke however, after going back and forth for months I approached the third parties insurer NIG who immediately went about resolving the issue and luckily settled within 2 weeks. Warning AVOID Policy Expert, Trinity Claims and Westone Housing Ltd of Peterborough at all costs.
Helpful Report
Posted 4 years ago
Absolute joke, Policy Expert and Trinity claims should be ashamed of themselves. I took out a home insurance policy after seeing an advert, however when it came to making a NON FAULT CLAIM I was treated as though I was at fault by Trinity claims and their contractor Westone Housing Ltd of Peterborough (who frankly were as incompetent as it gets). There is a lot of detail as to why Trinity Claims are a joke however, after going back and forth for months I approached the third parties insurer NIG who immediately went about resolving the issue and luckily settled within 2 weeks. Warning AVOID Policy Expert, Trinity Claims and Westone Housing Ltd of Peterborough at all costs.
Helpful Report
Posted 4 years ago
Good afternoon, Thank you for taking the time to leave us your feedback. I am sorry to hear you are not happy with how your complaint has been dealt with. We would always look to make our claims process as quick and easy as possible however depending on the circumstances, we will sometimes have to investigate things further. I can see this has been escalated and is currently being looked into for you. In the meantime, if there is anything else I can help with please contact me on 0330 0600 632 or email ask@policyexpert.co.uk. Thanks, Georgie
Posted 4 years ago
I would not recommend Policy expert insurance company.
Helpful Report
Posted 4 years ago
Good morning, Than you for taking the time to leave us a review. I am sorry to hear you feel this way. Unfortunately, as you have not left any details or any information regarding your dissatisfaction I would be unable to comment further. Please contact me on 0330 0600 632 or email ask@policyexpert.co.uk in order to discuss this. Thanks, Georgie
Posted 4 years ago
Really , not phoned back since jan Feb oh your not covered for storm damage ,, renewal due I don’t think so
Helpful Report
Posted 4 years ago
Claimed via number in jan Feb storm damage, renewal due oh your not covered , never rang back from number on there web page to claim , keen to renew ,, oh I don’t think 🤔 so, oh your on auto renewal , I don’t think so new insurance company required ,
Helpful Report
Posted 4 years ago
Good Afternoon, Thank you for taking the time to leave us a review. Firstly, I am sorry to hear you've not been happy with our service so far, and that you did not hear back from the claims team. I can see that a complaint has been raised on your behalf with regard to this, and our team are currently looking into things further. Our policies provide cover for a number of insured perils, but, as with most other insurers, there are exclusions that may apply. For storm damage, these exclusions include things such as gates, fences and television aerials. However, I do apologise if these exclusions were unexpected. I have looked into things for you and can see that we contacted you 30 days prior to your renewal date confirming that your policy was due for renewal. If you wish to discuss your renewal in further detail, you can contact our renewals team directly on 0330 0600 648 Alternatively, if you have any further comments or concerns you wish for me to look into, please do not hesitate to contact me by telephone, email, live chat or social media. Thanks, Jasmine
Posted 4 years ago
My ongoing issue is actually with Trinity Claims and a Home Emergency claim but as Policy Expert are the brokers I think it is necessary to make future customers realise that if you have a home emergency policy with Policy Expert then you had better hope you don't need to call them out. I don't have enough space to write the full details here, that will be saved for my formal letter of complaint, but just imagine your boiler breaking down leaving you with no heating or hot water. Now imagine being left in that state for nearly TEN days. Now imagine being told in order to finally get it fixed you have to pay £250 because you've gone over the £250 limit for claims, otherwise the job won't be completed. Well in a nutshell that's what's happened to me and I have been told today they can only reimburse me £100. So I'm still £150 worse off for that experience. Excellent customer service Trinity Claims. The one star awarded is simply for Policy Expert themselves who, whilst not being personally responsible for this debacle, are obviously the ones at the top of the chain and the ones who employ Trinity to deal with their home emergency claims. Bad mistake Policy Expert. Your own customer services team have actually been very helpful and I would have awarded more stars for that reason, but then my review would probably have been overlooked amongst the many excellent ones and I need you to read this and think about how it affects your reputation.
Helpful Report
Posted 4 years ago
Good afternoon Mrs Buiskool, Thank you for taking the time to leave us a review. Firstly, I am very sorry to hear this has happened. We would never want to leave a customer for this amount of time whilst they are waiting for their claim to be settled. As you have not left any of your details, I am unable to locate your account to look into this further. Please contact our customer service team with your account information and rest assured we will certainly be looking into this matter for you and will investigate all points raised. I look forward to getting this matter resolved. Thanks, Georgie
Posted 4 years ago
Always quick efficient renewal
Helpful Report
Posted 5 years ago
Good Morning, Thank you for taking the time to leave us your feedback. I am pleased to hear you've been happy renewing your policy with us smoothly and seamlessly, for another year. However I can see that you have left us a one star rating. Therefore, as we are always looking to improve the service we provide, if you do have any feedback about your experience, please forward those across to me at ask@policyexpert.co.uk, and I will be more than happy to look into things further for you. Thanks, Jasmine.
Posted 5 years ago
Unfortunately I never cancelled my renewal on time, hence the new policy. This will be my last year with them as the service I received last year after I was flooded was awful. Not a penny paid out and had to pay for all the repairs myself. What’s the point of having insurance!!
Helpful Report
Posted 5 years ago
Good afternoon, Thank you for your feedback. I am sorry to hear you have not been happy with the service received. We are keen to look into this further, I have sent an email over to your registered email address requesting further details. Once we have heard back we will investigate this further. Thanks, Vicky
Posted 5 years ago
Previously a good insurance company but following them sending my details to a Premium Credit company prior to my knowledge I am not very happy. Despite trying to cancel my Credit Agreement with this company I have been unsuccessful and will therefore be paying this company on a monthly basis. I would rather have paid the full amount to renew my policy than go through a Credit Company. Been with Policy Expert previously & did not, as far as I am aware, go through this or any other credit company. Very, very disappointed with Policy Expert & am concerned they just forwarded my details to this credit company without advising me first. Is this a breach of data information???? Clearly I need this clarified. I will not be renewing my policy with them again. Alexis
Helpful Report
Posted 5 years ago
Good morning, Thank you for taking the time to leave us a review. I can see that you have renewed your policy online with us and when completing the payment you have chosen to pay for your policy via direct debit. As we are not a credit provider all of our direct debits go through Premium Credit which would have been explained when choosing this agreement. The terms and conditions of the direct debit would have been shown on screen upon choosing this option. You can pay for the remaining your policy in full throughout the policy term at any point, just contact our payments team on 0330 0600 631. Or email ask@policyexpert.co.uk if you would prefer a callback. Thanks, Georgie
Posted 5 years ago
Not happy that the money was taken four days before the policy ran out. I had already found it cheaper so was going to cancel it anyway unless you could match it. I don't agree with auto renewal.
Helpful Report
Posted 5 years ago
Good afternoon, Thanks for taking the time to leave a review. We send you out your renewal invite around 30 days prior to the expiry date of your policy, this allows you time to review the proposed cover, shop around and opt out if required. Please give our renewals team a call to discuss this further on 0330 0600 648. Thanks, Vicky
Posted 5 years ago
After living in our home for a few months we had rising damp which was not covered on our insurance policy. Once building work had started we uncovered further issues, that our insurance also did not cover
Helpful Report
Posted 5 years ago
Good morning, Thank you for taking the time to leave us a review. All of your cover levels can be found in your policy documents which you would receive via email and your online account upon purchasing a policy and via our website at any point. These documents do state that damp is a general exclusion on all of our policies (which is pretty standard across home insurers) as this is a gradual issue which would be classed as a maintenance problem, not an insurable peril which is a sudden and unforeseen event which causes damage. Your policy with us also does not cover pre-existing issues and will only cover damage which has arisen during your policy term. I apologise if you feel as though this cover is insufficient however all of the details of your insurance can be found and reviewed at any point during the term of the insurance. If you would like to discuss this further, please do get back in touch via 0330 0600 633 or email me on ask@policyexpert.co.uk Thanks, Georgie
Posted 5 years ago
Hassle free renewal. My mistake was corrected with no implications. Great customer care and very person centred
Helpful Report
Posted 5 years ago
Good morning, Thanks for taking the time to leave us a review. We're glad to hear you have been happy with the service received when renewing this year. Please get in touch if you have any further feedback you wish to give to help us improve the service we provide. If you wish to discuss your policy further or have any queries please don't hesitate to contact our customer services team via phone, text, email, live chat or social media. Thanks, Vicky
Posted 5 years ago
Appalling service. Yet again on renewal your company attempts to jack up the cost of the policy, when there hasnt been any claim made on the policy. Consequently I rang your office last week to advice I have been given a cheaper quote by a competitor and to offer your company a last chance to revise the renewal price down, otherwise i would not renew and move my business. The miserable and war weary female agent i spoke to completely ignored my points, tries to brow beat me with details of the benefits of the policy and virtually slammed the phone down when I advised I would move my business and instructed her NOT to renew my policy. So why was this action NOT taklen. Why has your company taken money out of my account with NO authorisation. This is THEFT.
Helpful Report
Posted 5 years ago
Good afternoon Wayne, Thank you for taking the time to leave us a review. I am very sorry to hear this has happened. I have listened to the call with our renewal agent and we can certainly see that this did not hit the level of service we strive for and for that I apologise. I can assure you this has been picked up and your feedback will be taken seriously and looked into. I have requested your policy is cancelled asap and a full refund is issued. You will receive an email confirmation of this and a refund back to your payment card (providing this is still active) within 3-5 working days. Once again, I apologise for this matter and if there is anything else we can help with please do get back in touch. Thanks, Georgie
Posted 5 years ago
I phoned to cancel the policy but my money was taken anyway without my knowledge. I have tried to phone again but they are saying they have no knowledge of the cancellation. Real racket as I could have got insurance cheaper! Renewed after I cancelled, terrible.
Helpful Report
Posted 5 years ago
Good morning, Thank you for taking the time to leave us a review. I am sorry to hear this has happened, we would always look to listen to our customer's requests and action these accordingly. I would therefore like to look into this further for you and get to a resolution on this matter. I have sent you an email to your registered email address, if you have any further queries please do not hesitate to contact me directly in response to my email, or contact our customer service team. I look forward to speaking with you. Thanks, Georgie
Posted 5 years ago
I telephoned prior to payment being taken for my renewal - I was advised payment would not be taken until I had got back in touch with you. I received an email saying that I had renewed.
Helpful Report
Posted 5 years ago
Good afternoon, Thanks for your review. I am sorry to hear your policy renewed when you were not expecting it to. I have sent you over an email with further information regarding this so once I have heard back we can assist you further. Thanks, Vicky
Posted 5 years ago
I phoned to put my 3rd year with policy expert but was told iwas to late as they take the money out of my bank 1 week in advance but I said my intention was to transfer on to direct debit but they would then treat me as a new customer and increase my payment byabout 30pounds so 1star for yoy and no recommendation from me
Helpful Report
Posted 5 years ago
Good afternoon, Thank you for leaving us a review. I am sorry to hear you're unhappy with things. We automatically renew your policy and take payment 3-5 days before the renewal date to ensure that the payment is successful. This is also to ensure that we do not leave our customers without cover unknowingly in case there are any issues with processing the payment. This is explained in the renewal invite we send you 30 days before the renewal date. Once a policy has been set up/renewed and the payment has been debited, we can't then change the payment method to direct debit,. Therefore, in order for you to pay via direct debit, we'd need to cancel the current policy and set up a new one. Sometimes, this may change the premium as there is interest charged when you pay via direct debit. I apologies for the fact that we've been unable to renew your policy for you this year at a price that's suitable for you, however, by all means bear us in mind for future. If you would like to discuss this further, or if there is anything else we can assist you with, please do not hesitate to get in touch via telephone on 0330 0600 632, via email: ask@policyexpert.co.uk or via live chat which is available on our website. Thanks, Hannah.
Posted 5 years ago
Utterly appalling. Failed to help out on a claim, then somehow 'lost' my new email account and took the renewal payment so early I was unable to stop them. A week later I'm still waiting for both the refund and the apology. Avoid at all costs.
Helpful Report
Posted 5 years ago
Good morning, Thank you for taking the time to leave us a review. I am sorry to hear this, unfortunately, I am unable to locate your account with the information you have provided so I cannot look into this further for you. Please contact our customer service team on 0330 0600 632 and we will be able to assist. We look forward to hearing from you and coming to a resolution on this. Thanks, Georgie
Posted 5 years ago
Definitely one to avoid. Anyone who is with them please please read ALL of the policy wording section are there are a lot of clauses that are in place to avoid them paying out a claim. Had a leak in my kitchen ceiling. Big chunk of the ceiling came down. The plumber had a look and found the shower was leaking. Called to make a claim to be told it's not covered. Now have to pay hundreds of pound to replace the ceiling. Absaloutly pointless insurance as hardly covers anything if you read what's written in the policy wording. Lots of other companies are similar priced and cover far more than this one.
Helpful Report
Posted 5 years ago
Good afternoon, Thank you for taking the time to leave us a review. I am sorry to hear you have not been happy with your cover, unfortunately as you have not left any of your details I am unable to look into this and discuss further with you. Please get in touch with our service team on 0330 0600 632 and we would be happy to assist you further with this. Thanks,
Posted 5 years ago
Policy Expert is rated 4.7 based on 19,521 reviews