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Policy Expert : Car insurance reviews

Name: Car insurance
Rating: 4.67 (5030 reviews)

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4.67

Based on 5,030 reviews, last reviewed 13th Oct 2026

200% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Professional, supportive and thorough. I've been very impressed with how on the ball and thorough the customer service team have been as regards setting up my car insurance - when there was... Read more Reviewed on: 13th October 2026

Latest lowest rating:

1

Cancels Your Annual Car Insurance And Keeps The Money Cheeky anyway to request additional documents AFTER you've already paid for annual car insurance (never happened with other car insurance companies), ... Read more Reviewed on: 4th August 2026

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About this product

Policy Expert car insurance comes in three levels of cover: Bronze, Silver and Gold.

Policy Expert car insurance has an uninsured driver promise with no excess to pay and protected no claims. There’s also a range of flexible add-ons and an online portal where you can manage your car insurance 24/7.

Policy Expert car insurance reviews help you find out what it’s really like to be a customer. If you’ve used Policy Expert before, you can also leave a review and share your experience.

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Policy Expert Car insurance reviews (5030)

Professional, supportive and thorough.

I've been very impressed with how on the ball and thorough the customer service team have been as regards setting up my car insurance - when there was something they needed to clarify, they rang ME to sort it out and confirm details and took extra care to make sure it was the right car insurance for me, and made sure to follow up with confirmation emails of our conversation afterwards. I've never had such a thorough interaction with an insurance company before! The agent was so polite and explained everything simply and reassuringly. Reviewed on: 13th October 2026

Renewal quote is always competitive.

I like that my renewal quote for my car has always been competitive with other insurance companies. I have shopped around to check and found there's no need to go anywhere else. Reviewed on: 12th October 2026

Cancels Your Annual Car Insurance And Keeps The Money

Cheeky anyway to request additional documents AFTER you've already paid for annual car insurance (never happened with other car insurance companies), but the cherry on top is that no emails or phone calls were received to say that they were about to cancel our insurance unless we send those documents through. Funnily enough, after they spoke on the phone to the main driver the other day, an email came through from them, but 'somehow' the two from back in April didn't. After we had called ourselves, they processed a partial refund and had we not called, they simply wouldn't have refunded our money. Processing only a partial refund can only be described as theft, since the cancellation happened as a result of their disorganised admin and after such a horrendous service, I would expect all the money back. As far as I'm concerned, we also didn't get the benefit of the service we actually paid for, which was annual car insurance, not pay for the year and you're only covered for a fraction of the time. Not to mention how ridiculous it is to charge us a 'cancellation fee' for them cancelling the policy, not us. Finally, the response to my Google review was nothing short of insulting, as they said they "couldn't find my policy" - I had requested a deadlock letter to escalate this to the ombudsman where I stated the policy number, and they have the nerve to make my review on Google look like a scam. Reviewed on: 4th August 2026

On price comparison site was one price, clicking on...

On price comparison site was one price, clicking on buy now price jumped up 120 pounds, hows that happened, no joy from customer service but never expect much from call centre staff going through the routine lie ther reading from a card Reviewed on: 29th May 2026

Price gouging when you click immediately to pay,diff...

Price gouging when you click immediately to pay,different price by 120 pounds, customer service do nothing to help,no gesture of goodwill from this poor company, Reviewed on: 28th May 2026

Terrible experience please stay away

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. Reviewed on: 3rd November 2025

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 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 Reviewed on: 10th October 2025

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! Reviewed on: 7th September 2025

A thoroughly professional service

A thoroughly professional service Reviewed on: 6th August 2025

My insurance was on a annual rollover in that i was...

My insurance was on a annual rollover in that i was informed that my insurance would be renewed automatic , to which i emailed back to proceed, however the insurance was not renewed which resulted in my car not being insured for 3 months until i was reminded by a ANPR advice, this poor service was dangerous , i could have had a accident resulting in loss of life. This was a frightening experience, the only response i had when reporting it to your company was go to another insurer which was disgusting. The whole situation was very poor. I will be posting this on my google review so too reporting this episode to the insurance ombudsman. Reviewed on: 9th April 2025

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