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Policy Expert : Home insurance reviews

Name: Home insurance
Rating: 4.78 (9136 reviews)

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4.76

Based on 9,136 reviews, last reviewed 11th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

84%

14%

Latest highest rating:

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 questioned the renewal char... Read more Reviewed on: 11th September 2025

Latest lowest rating:

1

Don't expect to be able to claim on your insurance Last week, I had to use an emergency locksmith to get into our home. My key and my partner's key both simply did not unlock the door. Something turned... Read more Reviewed on: 12th May 2025

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About this product

Policy Expert home insurance policies are available in three levels of cover – bronze, silver and gold.

You can get a quote and manage your Policy Expert home insurance policy online. Policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.

Policy Expert home 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.

Policy Expert Home insurance reviews (9136)

Review of the Policy Expert, Home insurance:

Disappointing Service, Unexplained Denials, and Poor.

I am thoroughly disappointed with Policy Expert UK and Trinity Claims. Despite submitting valid claims on my policy, every single one has been denied without any clear explanation or reasoning, leaving me completely in the dark about their decision-making process. Their customer service is equally frustrating. They fail to call back at the agreed times, don’t respond to messages in their portal, and treat you as though you’re being dishonest just for filing a claim. The interactions feel condescending and unprofessional, especially if you happen to have a foreign-sounding name. For non-native speakers, there is no patience or consideration either, which only adds to the feeling of being dismissed and unvalued. I would strongly advise against using this company if you’re looking for support and transparency when it matters most. This has been a deeply disappointing experience with no accountability in sight. Reviewed on: 31st October 2024

Reply from Policy Expert Hello, Thanks for taking the time to leave us your review. After talking with Trinity, we understand there was no evidence of damage to the main services. Our claims technical team is now reviewing this, and they’ll be in touch soon to discuss everything in more detail. We understand that a claim denial can be disappointing, but we’re only able to approve claims that meet the terms of our policies. If you wish to discuss things further or if there's anything else we can help you with, please get in touch at [email protected]. Thanks, Peter Response date: 15th November 2024

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 questioned the renewal charges and they have responded favourably. Reviewed on: 11th September 2025

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 etc Simple straight forward process for purchasing Home insurance. Would highly recommend them. Would probably use them again. Reviewed on: 7th September 2025

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 benefits such as legal cover. I haven't had to make a claim so the quality of their claims service remains unknown. Reviewed on: 6th September 2025

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. Reviewed on: 6th September 2025

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 received £25 cashback by applying via Money Supermarket. Reviewed on: 5th September 2025

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. Reviewed on: 5th September 2025

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 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. Reviewed on: 5th September 2025

Best buy post burglary

We were burgled a few years back. Since then Policy Expert have consistently been the best value for money in terms of insurance. We haven’t needed to use customer service or make a claim since being with them, but they contact us with a quote in plenty of time prior to renewal to allow us to shop around, and their auto-renew was completely trouble free. Reviewed on: 5th September 2025

Al straight forward and good value for money

Al straight forward and good value for money Reviewed on: 5th September 2025

Good experience.

Good experience. Competitive prices and will drop renewal price if you find a lower quote Reviewed on: 5th September 2025

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