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Policy Expert Reviews

4.7 Rating 18,983 Reviews

96 %

of reviewers recommend Policy Expert

Company Reviews

4.7

Based on 18,983 reviews


Shipping & Delivery
Delivery Methods	Postal Service
On-time Delivery	99%
Accurate And Undamaged Orders	100%
Customer Service
Communication Channels	Email, Telephone, Live Chat
Queries Resolved In	Under An Hour
Customer Service	4.7 out of 5

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:

352-390, Silbury Boulevard, Milton Keynes
MK9 2AF

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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 3 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Not that good phoned to inform we had moved. No operative was there who could deal with house policy .I was promised a call back within 24 hrs .left it for 4 days then l made contact. Only then did we complete the renewal.”

Posted 2 weeks ago

Hello Mr Heath, Thank you for taking the time to leave us your review. Here at Policy Expert, we aim for a 5-star service within all areas of the business, therefore, we treat negative feedback very seriously. During this time, the New Business department was experiencing a high volume of calls, however, we're sorry for the inconvenience this had caused you. Although you gave us an alternative phone number, we understand that an agent tried to reach you on your landline, which is registered to your account. Please be assured that the relevant feedback will be passed on to the agent in question. If you do wish to discuss things further or if there's anything else we can help you with, please contact us at homereviews@policyexpert.co.uk. Thanks, Nisha

Posted 1 week ago

“My renewal quote increased because I lost the discounts applied because I adjusted the house value due to inflation and my kids had moved out. This was resolved by a phone call but I shouldn't have been penalised in the first place”

Posted 2 months ago

Hello, Thanks for taking the time to leave us a review. We understand the importance of receiving the most competitive price for your home insurance, and we will always look to offer the most competitive price when generating a renewal quote. Our underwriting criteria is constantly being reviewed and updated which can impact the premiums offered at renewal. Numerous factors, as well as the questions asked on our question set, can also have an impact on premiums. However, the questions we ask are to ensure that, based on our underwriting criteria, all details are accurate and to ensure we quote you correctly. We do appreciate that a premium increase can be disappointing. However, as our renewal quotes are based on your previous year's insurance, we are only able to consider changes and your individual circumstances when we speak with you over the phone. Having located your details, I am happy to see the renewals agent you spoke with was able to discuss this with you and help further. If you would like to discuss this in more detail, please feel free to reach out to us directly at homereviews@policyexpert.co.uk or via any of the channels displayed under the 'contact us' section of our website and we'll be happy to organise a call-back with our dedicated renewals team. Kind regards, Darran

Posted 2 months ago

“Seems to be a good deal, I'll have to wait until something goes wrong to see just how good it is!”

Posted 3 months ago

Hello We appreciate you taking the time to leave us a review. Thank you for choosing us as your insurer and welcome on board! We appreciate all feedback from our customers as we strive to achieve a top-tier experience throughout every step of our customer's journey with us. This could relate to anything from the convenience of using our website while taking out a policy, how clear you find our policy documentation, to the suitability of the cover available. If your rating of 3 stars also reflects your experiences with things such as these, please do let us know - we would love to get some further feedback from you. We are available via: homereviews@policyexpert.co.uk or via any of the channels displayed under the 'contact us' section of our website. Thanks, Dawid

Posted 3 months ago

“Not too bad Policy was renewed at a wrong date Paid twice awaiting a refund for a full premium amount and a refund for the days which were suppose to be covered by previous policy. Don't know how long the refund would take.”

Posted 3 months ago

Hello, Thanks for taking the time to leave us a review. Here at Policy Expert, we aim to make our renewal process as stress-free as possible for our customers. For this reason, we send out an invitation 30 days before the policy renews. The invite explains we automatically renew your policy 3-5 days before the renewal date using the original payment method. On this occasion, I understand you got in touch on the day that the payment had been taken for the renewal, to see if we could offer a more competitive premium. We looked to cancel the already renewed policy and set you up a new one at the reduced price discussed, however, this was completed for the incorrect date. We can only apologise for any inconvenience caused as a result of this. The refund for the policy is on its way to you and can take 3-5 working days to clear back into your account. Should you wish to discuss this with us any further, you can do so at homereviews@policyexpert.co.uk. Thanks, Jessica

Posted 3 months ago

“Went through Compare the market to get Buildings and contents insurance. Policy Expert was the best price amongst those companies listed. However, having completed the process final cost was 10% higher than the original offer.”

Posted 3 months ago

Hi Andrew We appreciate you taking the time to leave us a review. Firstly we would like to say thank you for choosing us as your insurer and welcome on board! We have tried to contact you to better understand your experience and see if there is any way we can further help, but we have been unable to reach you. Should you require any further assistance, please don't hesitate to get back in touch with us at homereviews@policyexpert.co.uk or via any of the channels displayed under the 'contact us' section of our website. Thanks, Dawid

Posted 3 months ago

“Although very enthusiastic and appeared polite tie call handler who rang rushed me even when I explained I couldn't go that fast. Whilst I appreciate you beat other quotes I wanted to double check what was part of policy after confusion when I joined you last year and your third party claim company failed to even come out to see my broken boiler controls despite me then paying extra for emergency. Although you refunded the emergency part it left sour taste so took a lot to go back with you. Price was attractive but I am very concerned how helpful you'd really be if I had a claim ever. You call handler rushed me a lot and at times didn't listen to some things which worries me since signing up again - do you really take customer care seriously? You rang me after I emailed to ask you didn't auto renew. That conversation lead to a better price than the insurer I had in mind by a lot. I've never ever claimed.”

Posted 4 months ago

Hello, Thank you for leaving us a review and for renewing your policy with us! Here at Policy Expert, we pride ourselves on our high levels of service and on ensuring a positive customer experience within all areas of the business. Please be assured that your comments have been taken on board and the relevant feedback has been passed to the agent in question. We also payout on all valid claims submitted within the terms of our policies and support thousands of customers by paying their claims. Should you wish to discuss things further or if there's anything else we can help you with, please contact us directly at homereviews@policyexpert.co.uk. Thanks, Nisha

Posted 4 months ago

“Easy to take out policy but not much insight into what the policy covers, have opened a ticket about this and not had a reply yet...”

Posted 5 months ago

Good afternoon, Since leaving your review, I am pleased that we have been able to resolve your query and your review over the phone. Policy Expert always aims to provide five-star service in every step of our customer's journey with us, if a three-star rating is still reflective of your experience with us do let us know at homereviews@policyexpert.co.uk. Thanks, Jessica

Posted 5 months ago

“Only our average as there is not a reason to rate excellent at this point. Hopefully I do not need to contact them for anything and test it also no lower as buying the product was easy and done through a comparison website. Best price offered out of all other companies and had the same products ticked. Also cheaper than last years premium which is nice.”

Posted 9 months ago

Good afternoon, Thank you for taking the time to leave us a review and for choosing Policy Expert as your home insurer. Firstly, it's fantastic to hear that you're happy with the policy and premium! Here at Policy Expert, we strive for a 5-star service at every interaction. We believe that customer feedback is very important as it gives us an opportunity to look into any way our overall services could be improved. This could be from the efficiency of our website, how clear you find our policy documentation, to the competitiveness of our premiums. If your rating of 3-stars is also reflective of your experiences with things such as this, please do let us know - we would love to get some further feedback from you. You can contact us directly at homereviews@policyexpert.co.uk or via all the channels displayed under the 'contact us' section of our website. Thanks, Nisha

Posted 9 months ago

“Website seems easy to navigate and had competitive quote.”

Posted 10 months ago

Good morning, Thank you for leaving us a review. We're delighted to hear you found our website easy to navigate and the products we offer to be competitive. Here at Policy Expert, we strive for a 5-star service at every interaction. We believe customer feedback is vital as it gives us an opportunity to investigate any way our overall services can be improved. This could be from the convenience of using our website, how clear you find our policy documentation, to any interactions you may have had with our agents. If your rating of 3-stars is also reflective of your experiences with things such as this, please do let me know - we would love to get some further feedback from you. We are available via: homereviews@policyexpert.co.uk. Kind regards, Darran.

Posted 10 months ago

“I did find an element of confusion between the silver and gold options. Looking at the two on your web site, after careful consideration and trying excess variations, I decided to go for the gold option. The reason for this was the higher sum insured on pedal cycles, and also the premiums were remarkably similar when using the same excess figure. However, when making the payment my details had reverted to the silver option, for no known reason. By this stage I felt that I had spent long enough studying the options that I just left it as it was.”

Posted 10 months ago

Good Afternoon, Thank you for taking the time to leave us a review and your time on the phone. As discussed, we investigated your comments further and found that you purchased a Silver policy. However, after purchasing your policy, you completed a quote for a Gold policy. When you completed the quote, there were some answers on the question set that were different to the answers you had previously given and these impacted the quote you received. We understand that after your conversation with our agent, this has now been resolved. We have sent you an email so you can check your answers and ensure that your policy information is correct. 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 10 months ago

“Fairly easy to use”

Posted 11 months ago

“Good and quick but BE AWARE if you are paying by monthly direct debit installments this will show as an UNSECURED LOAN on Equifax, Experian, ClearScore etc etc. If you renew with them the old insurance will remain on the Credit Agencies file for another 6 months so in effect showing up as two UNSECURED LOANS. Very damaging to your credit rating - I dropped 200 points due to Policy Expert (they used Premium Credit). If I was made aware of this beforehand I would never have used them.”

Posted 1 year ago

Good Morning Thank you for taking the time to leave us a review. When setting up your policy, you were provided with the option of paying in full, or by direct debit via a third-party finance provider. As you opted for direct debit payments, we organised your monthly instalments with Premium Credit. We do inform you that we will share your data with Premium Credit and they may carry out credit, affordability and/or anti-money laundering checks on you. If they do, then a record of the search or other information may show on your credit file. This is a fairly common practice among insurers, and we make you aware of this alongside our terms and conditions at the point of purchasing a policy. However, if you are not comfortable with this payment method, you do also have the option of paying for your policy in full at any time. If you wish for me to arrange a callback for you so you can pay for the policy, or if you would like to discuss this further, please contact me directly. I am available via all the channels displayed under the 'contact us' section of our website. Thanks, Ellie

Posted 1 year ago

“I noted that jewellery over £2000 requires 2 yearly valuation otherwise may not be paid out on. This is quite different to other insurers and I only spotted by being quite Eagle eyed. So I either thinks this needs to be highlighted more or removed.”

Posted 1 year ago

Good Afternoon, Thank you for taking the time to raise this with us. Before proceeding with the purchase of a Policy Expert policy, you are directed to our website, where further details of the policy are displayed. This includes all of the policy endorsements. Not only do we make the policy endorsements available to view on our website prior to taking out a policy, but these are also clearly displayed within your policy documentation - specifically your policy schedule. The endorsements on your policy schedule have a page of their own, which is clearly entitled 'Endorsement(s) that apply to this policy'. They are written in bold, sizeable font to ensure they are clear. We provide all policyholders with a 14-day cooling-off period to thoroughly review their cover. If they are not satisfied with the cover limits, including the policy endorsements, they are able to cancel within this cooling-off period, without being subject to a cancellation fee. We are satisfied that this is plenty of time to assess all of the policy terms. If you wish to discuss this in any further detail, please do not hesitate to email me at homereviews@policyexpert.co.uk. Thanks, Jasmine

Posted 1 year ago

“The excess is too high. There is no option for changing compulsory excess.”

Posted 1 year ago

Good Evening, Thank you for taking the time to leave us a review. It is common for insurers to have a slightly higher excess for perils such as the escape of water and subsidence. This is just due to the nature of these claims. However, if you feel your standard excess is too high, this can always be amended, as this excess would be selected by our policyholders. Unfortunately, I am unable to locate your policy with the details in your review, therefore, please may you contact us at home.review@policyexpert.co.uk. I would appreciate the opportunity to look into this and assist you further. Thanks, Ellie

Posted 1 year ago

“Seems to be reasonable value but have not yet needed to claim”

Posted 1 year ago

Good Morning Thank you for taking the time to leave us a review and for choosing Policy Expert as your home insurer! I appreciate that you may not feel in a position to review our claims service, however, we are proud to say that we have never failed to pay a claim that is covered by our policies. We write our policies in Plain English to ensure they are clear and we support thousands of customers every month by paying their claims. Nonetheless, if there is anything additional you feel we could have done to achieve a 5-star rating, we would love to hear it. Feedback like this really helps us build on the service we offer. If you would like you can send your thoughts to us at homereviews@policyexpert.co.uk. Thanks, Nisha

Posted 1 year ago

“Thus far it has been fine although parts of the policy were not immediately clear. How good Policy Expert really are will become apparent when/if I have to make a claim.”

Posted 1 year ago

Good Afternoon Hilary Thank you for leaving us a review and for choosing Policy Expert as your home insurer! Here at Policy Expert, we are proud to say that we have never failed to pay a claim that is covered by our policies. We write our policies in Plain English to ensure they are clear and we support thousands of customers every month by paying their claims. I'd be more than happy to go through the parts of the policy you had found unclear, however, I am unable to locate your account with the details you have provided on your review. If you could please contact me directly. I am available via email at homereviews@policyexpert.co.uk. Thanks, Nisha

Posted 1 year ago

“The telephone customer service is excellent The reason for giving 3 stars is the site access to log in to your account is not working. I have tried over several weeks to access my account and ,although ,the company has been aware for sometime that there are issues, they haven't been resolved. This is such a shame as the quality of service provided by the people on the phone is excellent.”

Posted 1 year ago

Good Morning Joy Thank you for taking the time to leave us a review. Firstly, I'm pleased to hear that you're happy with the service you have received, however, I am sorry that you're having trouble accessing your online account. I'd be more than happy to assist you with logging into your account but unfortunately, I'm unable to locate your account with the details you have provided on your review. If you could please contact me directly, I am available at homereviews@policyexpert.co.uk. I look forward to hearing back from you. Thanks, Nisha

Posted 1 year ago

“Easy to buy”

Posted 1 year ago

Good Morning Thank you for taking the time to leave us a review. It's great to hear that you had found it simple to purchase your policy! We welcome all feedback ranging from the process of setting up/renewing a policy via our channels to the quality of our online services and communications. If your rating of 3-stars is also reflective of your experiences with things such as this, please do let me know - we would love to get some further feedback from you. I am available at homereviews@policyexpert.co.uk. Thanks, Nisha

Posted 1 year ago

“This policy was the cheapest by a long shot and provided all I needed such as emergency cover for electrics , heating etc. I’ve only given 3 stars as so far I haven’t tried to make a claim and have no experience of how that would pan out. Happy so far especially as I did not want to do everything online as it’s so much easier to call a helpline which policy expert provide.”

Posted 1 year ago

Good Afternoon Lynn Thank you for taking the time to leave us a review. Firstly, it's great to hear you have found our premiums competitive. Here at Policy Expert, we appreciate all feedback our customers have from completing a quote to the service they have received. However, I appreciate that you do not feel in a position to leave a review of our claims service, we write our policies in Plain English to ensure they are clear. I can also say we support thousands of customers every month by paying their claims. If your rating of 3-stars is also reflective of the experiences you have had so far, please do let me know - we would love to get some further feedback from you. I am available at homereviews@policyexpert.co.uk. Thanks, Ellie

Posted 1 year ago

“Easy to purchase although still waiting for reward. Not had to claim at all”

Posted 1 year ago

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Policy Expert is rated 4.7 based on 18,983 reviews