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Policy Expert reviews

Policy Expert Logo
Rated Excellent • 4.78/5

Policy Expert reviews

Verified business Last reviewed within 21 days
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  • FCA approved and regulated
    FCA approved and regulated
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • Award winning organisation
    Award winning organisation

Review summary

People rate this company as Excellent based on 14,162 product reviews

Average score of 4.78/5
5 star
86%
4 star
12%
3 star
1%
2 star
0%
1 star
1%
Reviews for Policy Expert have trended positively over the past 90 days

Policy Expert is loved for its easy online setup, competitive prices, and friendly customer service that makes insurance straightforward. Renewals are hassle-free and often cheaper than competitors, with clear communication and helpful staff. However, claims experiences vary widely, with many praising quick, fuss-free handling but others facing delays, refusals, and poor support. Some also report unexpected price hikes and frustrating policy changes.

Positive themes

  • Policy Expert’s prices are consistently competitive and great value for money.
  • Setting up and managing policies online with Policy Expert is quick and hassle-free.
  • Policy Expert’s customer service is friendly and helpful throughout the process.

Negative themes

  • Claims with Policy Expert can be slow and stressful with poor communication.
  • Renewal prices sometimes spike unexpectedly or force policy cuts.
  • Customer service can be unhelpful or rude when problems arise.
Summarised by AI
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About Policy Expert

Policy Expert originally launched its home insurance offer back in 2011.

Policy Expert have UK-based call centres and you can manage your policy online. Policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.

Today, over 1.6 million people have home, car and pet insurance with Policy Expert.

Policy Expert at a glance

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Reviews for Policy Expert

Showing 11 of 14162 company reviews • Last reviewed within 21 days

Excellent service.

Home insurance • 16th April 2026

I renewed my home insurance and the process was really easy and quick. The staff were polite, friendly and helpful and I got an excellent deal.

{"display":"J W","full_name":"J W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
J W
Rated Excellent • 5/5
Read more product reviews

Terrible experience please stay away

Car insurance • 3rd November 2025

Terrible experience – please stay away! I had one of the worst experiences ever with this insurance company. My car broke down on the motorway... Terrible experience – please stay away! I had one of the worst experiences ever with this insurance company. My car broke down on the motorway while I was driving with my small child, and I called them for help. It took me almost one hour just to get through on the phone, and then another hour waiting for the recovery truck to arrive. On my policy, I clearly have a courtesy car included, but when I asked for one, they told me that because I didn’t have an “accident”, only a breakdown, I wasn’t entitled to a courtesy car. I was left completely stranded with a child and no support at all. A few weeks later, my car broke down again, this time right in front of my house. I called the insurance company again, and they said my cover doesn’t include recovery from home — even though I was told I had breakdown cover! They literally said there’s nothing they can do. When I decided to cancel my insurance because I was paying for nothing, they didn’t even apologise. Instead, they charged me a cancellation fee, which is unbelievable after all the trouble they caused. Their prices may look cheap, but nothing is actually included. You’ll only find out what’s missing when something bad happens — and by then, it’s too late. Be very careful before choosing this company. Cheap isn’t always good. They are cheap for a reason! Nothing is included, and when you really need help, they’ll just tell you it’s not covered. Don’t be fooled by the low price – you’ll end up paying more in stress and frustration. Read more Read less

{"display":"Iacob Irina","full_name":"Iacob Irina","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1315579.png"}}'s avatar
Rated Terrible • 1/5
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  • 1/5

    Run away from this company.

    Run away from this company. I was paying my direct debit as agreed to pay monthly. 3 months later I had to sale my van... Run away from this company. I was paying my direct debit as agreed to pay monthly. 3 months later I had to sale my van due to an electrical issue and I told them the policy needed to be cancelled. Not vehicle, not cover. On top of that not claims made either. She then came back saying that I will have to pay an early cancellation fee, this was £220!!! I told her they would not take a penny from me, then she threatened to take me to courts. I have made an official complaint against them and I am leading for this to be investigated from an independent inquiry. This is stealing in my view. Please don’t take policies with this company Read more Read less

    {"display":"Laura ","full_name":"Laura ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Laura 10th October 2025
  • 5/5

    I have never had to claim

    I have never had to claim, but have dealt with them on the phone. Always provide the answers and easy to deal with. I have... I have never had to claim, but have dealt with them on the phone. Always provide the answers and easy to deal with. I have questioned the renewal charges and they have responded favourably. Read more Read less

    {"display":"Dave C","full_name":"Dave C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Home insurance
    Dave C 11th September 2025
  • 5/5

    Expert Policy

    Great customer service. Really helpful, friendly staff. Easy to use website. They only send you out useful emails with reminders and tips for your home... Great customer service. Really helpful, friendly staff. Easy to use website. They only send you out useful emails with reminders and tips for your home etc Simple straight forward process for purchasing Home insurance. Would highly recommend them. Would probably use them again. Read more Read less

    {"display":"Legend ","full_name":"Legend ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Home insurance
    Legend 7th September 2025
  • 4/5

    Setting up policy and getting renewal through very e...

    Setting up policy and getting renewal through very easy. Never had to claim and that will be the only useful review for an insurance company!

    {"display":"Scott","full_name":"Scott","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Scott 7th September 2025
  • 5/5

    Repeat customer, excellent servce and price

    I have been with them for several years now as they always come through with a top quality policy cheaper than others and with added... I have been with them for several years now as they always come through with a top quality policy cheaper than others and with added benefits such as legal cover. I haven't had to make a claim so the quality of their claims service remains unknown. Read more Read less

    {"display":"Graham Davidson","full_name":"Graham Davidson","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 3/5

    My renewal price was much higher than last year.

    My renewal price was much higher than last year. to bring the price down they forced me to cancel building accident damage.

    {"display":"JAVID MANOOCHEHRI","full_name":"JAVID MANOOCHEHRI","avatar":{"url":"\/assets\/uploads\/avatars\/users\/608408.png"}}'s avatar
  • 5/5

    Good value, straightforward application

    My policy was applied for via Money Supermarket. It was the cheapest policy on offer for my requirements and the application was straightforward. I also... My policy was applied for via Money Supermarket. It was the cheapest policy on offer for my requirements and the application was straightforward. I also received £25 cashback by applying via Money Supermarket. Read more Read less

    {"display":"Francis Butterworth ","full_name":"Francis Butterworth ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Polite and efficient

    I haven't needed to make a claim with Policy Expert (fortunately!) but I have used their online chat service and found them to be very efficient.

    {"display":"Trevor English","full_name":"Trevor English","avatar":{"url":"\/assets\/uploads\/avatars\/users\/788928.png"}}'s avatar
    Home insurance
    Trevor English 5th September 2025
  • 5/5

    5 years loyalty

    Been with this company for 5 years. They have always ensured that my policy costs do not sky rocket. Always stays within a limit of... Been with this company for 5 years. They have always ensured that my policy costs do not sky rocket. Always stays within a limit of the previous year. I’ve called them in the past and customer services always answered my calls quickly and gave me the information I needed. Read more Read less

    {"display":"Laura","full_name":"Laura","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Home insurance
    Laura 5th September 2025

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