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Policy Expert : Car insurance reviews

Name: Car insurance
Rating: 4.67 (5027 reviews)

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4.67

Based on 5,027 reviews, last reviewed 29th May 2026

No new 5 star reviews

in the past 90 days

200% 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

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 exp... Read more Reviewed on: 29th May 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 (5027)

greedy renewal price

Company is greedy and taking advantage of the cost of living crisis. Despite being a loyal customer, after 2 years with them and no claims, my renewal quote was £650, even after phoning to cancel they refused to go lower, when I only paid £234 the year before. Yes the prices of everything went up, it does justify the price rising by over £400. I went elsewhere and paid £457. Reviewed on: 21st July 2023

Avoid

Never have I had such a disappointing experience with an insurance company ever in my life! I had my car insured with them and on this one occasion, a lady backed into my car in a car park. She admitted full responsibility and was very apologetic. We reported the claim to PE and after a long 4 months of the lady then retracting her claims of responsibility, my supposed insurance company concluded it was my fault and made me pay £350 excess and then had the audacity to terminate my policy!! I feel completely let down by a company that is supposed to have your interests in hand. My husband and I were witnesses to the incident and she was alone yet her insurance company was obviously much more competent and able to run rings around Policy (not so) expert. If I were to give you any sound advice, AVOID at all costs unless you want to be screwed over. Reviewed on: 6th July 2023

Policy expert

Policy expert is an amazing company their customer service is out standing and they are well priced and I would happily recommend them to anybody Reviewed on: 31st May 2023

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

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