Write a review

Go to business site

Policy Expert : Car insurance reviews

Name: Car insurance
Rating: 4.85 (5024 reviews)

View other Policy Expert products

4.82

Based on 5,024 reviews, last reviewed 10th Oct 2025

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

89%

Latest highest rating:

4

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

Latest lowest rating:

1

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 ... Read more Reviewed on: 10th October 2025

Read all reviews Write a review

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.

Review Policy Expert : Car insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

Policy Expert Car insurance reviews (5024)

Dishonest, awful customer service

I had 2.5 months left from the annual fee I paid when I sold the car but the insurer refused to refund the rest of my money. Awful customer service, it's a nightmare to get through. Reviewed on: 22nd May 2023

Robbing customers

Have been taking money from my account for the last 9 months & I don't even have the car, I told them this & all they said is we can't do anything... I WON'T MY MONEY BACK YOU THEAVING BAXXERDS Reviewed on: 5th May 2023

Computer prolem

huge computer problem which wiped my files. I called and asked if they could let me have an email version and a hard copy too. Callum was professional, knowledgeable and very helpful. Very impressed. Reviewed on: 7th March 2023

Dont use these

Where do I start I wish I could give no stars, I started comparing quotes for myself, wife and home and car insurance via some comparable Website and I have never dealt with such a ridiculous company, unprofessional, non existent customer service and honestly have no idea what they are doing, they have messed up quotes, increased quotes from the comparable website, with no explanation or knowledge how it’s happening. Accusing me of falsifying information, even after speaking with 3 managers still havnt got anywhere, the original manager was supposed to set up the car insurance for us and has messed up somehow resulting in the underwriters voiding the insurance, please don’t be fooled by the cheap price as it definitely reflects the idiots they have working for them and service they have, they have breached data protection numerous times and just keep saying they don’t know how, that phrase must me in there training Reviewed on: 31st January 2023

Good staff, terrible operating procedure

Paid for insurance two weeks before it was due to start. After payment Policy Expert asked for: Copies of mine and wife's driving licence, a utility bill, mine and my wife's driving records from the dvla and the vehicle V5 document. Something to do with a random identity fraud check I was told? I am unable to supply the photo card licence for myself as it has my previous address on it and still needs changing. (we have just moved house) Simpler for me to cancel the insurance and buy elsewhere for which they are charging me a £30 cancellation fee and refuse to waive it. Not sure what I've done to these guys (the call center staff were sound tbf) but I'm now £30 down and all I want is to insure my car like I have been for the past thirty odd years. Why?? Reviewed on: 4th January 2023

Do not use this company!

I contacted, as an existing customer, to add a new EV car to my policy. How ever, because the car is vastly different to the car I currently drive I wanted to carry on using my current vehicle for my longer commutes for a month or so until I was familiar with all the technology in the EV. After 3 web chats and 2 phone calls, Policy Expert confirmed that they do not provide multi car policy! So, I had to insure my new EV with another insurance company and keep my original insurance running with Policy Expert until I cancel. Policy Expert would then not send my NCB 20+yrs to my other insurance company because of insurance compliance! I pay my insurance annually and had 8ths left, but a charge of £60.00 applies because I have to cancel a policy that I really did not want to cancel, but, Policy Expert could not facilitate my request, so I had no alternative. So, £60 to cancel, who’s paying me for my time it’s taken to sort this out? The insurance industry is arrogant and self centred and cares little about the customer. Here I am, trying to be a sensible and caring road user and being penalised! What a total shambles!!!! Reviewed on: 16th December 2022

I have just taken insurance and paid for Gold membership so I am fully covered. Their website promotes a courtesy car will be guaranteed this is lies!!

They will not give me a courtesy car. The website states guaranteed when I am talking to employees they are saying they can not give me a car. They are promoting this incorrectly on their website. My car is going into the garage and the garage don't have a car for me. Reviewed on: 21st November 2022

Disgusting

I got a quote on line I have had car insurance for over forty years and never has it been this bad they asked for all types of information that I was getting so worried that I thought about contacting the police shameful I had to give a one star but if I didn’t have to I would not have shocking service and they cancelled and gave little money back Reviewed on: 16th November 2022

Utterly useless car insurance

I honestly feel as though I've been driving uninsured. Policy Expert have been utterly useless over the past week. Nearly a week ago I ran over a stray wheel on a dual carriageway at 70mph. The underside damage made my car un-drivable. These things happen, but unfortunately I have Policy Expert as my insurance company. Nearly a week later my car is still sat on my drive un-drivable. I've made numerous calls to Policy Expert and not had a single call back. The Policy Expert advisers I have spoken with have given various excuses as to why no progress whatsoever has been made. I was even told today that the delays have been because of the "bank holiday" .........- there hasn't been a bank holiday for months. I'll say it again.... I honestly feel as though I've been driving uninsured. So far my insurance premium has bought me the privilege of speaking to insurance advisers with what sounds like a party going on in the background. My advice is to avoid Policy Expert as a company at all costs. Reviewed on: 1st November 2022

English basted

Policy expert are very helpful and efficient with an English based call centre and English speaking agents very rare these days...Thanks Reviewed on: 18th October 2022

Do you have a different Policy Expert product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Personal breakdown insurance
from Cover My Breakdown 1.14 from 20 reviews
Motorhome insurance
from Caravan Guard 4.96 from 9527 reviews
Car insurance
from Acorn Insurance 3.83 from 155 reviews

Want to see more from Policy Expert ?

Home insurance
from Policy Expert 4.76 from 9136 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub