Write a review

Go to business site

Policy Expert : Home insurance reviews

Name: Home insurance
Rating: 4.76 (9136 reviews)

View other Policy Expert products

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

Read all reviews Write a review

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.

Review Policy Expert : Home insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

Policy Expert Home insurance reviews (9136)

Awful Claims Experience.

The true testament to any insurance company is what happens when you need to make a claim, and, quite frankly, Policy Expert (Accredited Insurance Europe), are crooks. We had a very clear and obvious landslip at the rear of our property during a winter storm. This impacted a retaining wall and subsequent rear elevation wall. After sending an assessor out, remedial work was carried out to stop the roof collapsing. The contractor at the time then gave PE a price to undertake the work. After this price was given, everything changed. PE send a new surveyor out to assess the damage - with the clear intention of trying everything they could to decline the claim. The surveyor changed his mind and decided that the claim should be declined, with a largely unsubstantiated guess at what 'might' have happened. We were then forced to make a complaint to the Ombudsman, despite the cause of the claim being within the boundaries of the policy wording and conditions. The Ombudsman found in our favour and upheld the complaint, yet this wasn't enough for PE, who then questioned the decision of the Ombudsman. Their argument was pathetic, based on guesswork and lies. After 11 months, the Ombudsman found in our favour for the 2nd time. Our wall is near-collapsed and the contents of that part of the property are decimated from mould and water damage. (PE refused to pay storage costs). I an only encourage people to heed this as a warning. PE do everything they can to refuse claims, and it'll take up months of your time trying to fight them. Reviewed on: 14th November 2023

Reply from Policy Expert Hello Steven, Thank you for taking the time to leave us your review. After speaking with Trinity, they've confirmed that they haven't received a final outcome from the ombudsman. However, once they've received this, you will be contacted. Thanks, Nisha Response date: 20th November 2023

Policy con

American freeze freezer broken and lost all contents having waited over 24 hours even to acknowledge claim had to call only to be advised £250 excess plus they send all different trade assessors to validate claim from plumbers to joiners but not anything re electrical ie electrician certified and will get my own and pay for it myself ,no where in policy does state still ,complete fraud and manipulation of terms and conditions of a policy which I have had for many years and never made one claim ,will be seeking legal advise and will be presenting this issue with the local trading standards office Reviewed on: 24th October 2023

Reply from Policy Expert Hello, We appreciate you taking the time to leave us a review. We would be grateful for the opportunity to look into your comments further but unfortunately, we're unable to locate your policy via the details contained in your review. If you could please us at [email protected]. We'll pick this up right away. Thanks, Nisha Thanks, Response date: 31st October 2023

The best company for home insurance

I'm happy to have my insurance with them. Reviewed on: 18th October 2023

Conflicting service

I do not understand why Policy expert itself gets such good reviews yet it's claims agent is so bad. Why do PE use them? They are a discredit to PE and more to the point, they are making me very nervous of insuring with PE. At the end of the day, it is how claims are dealt with that matters, at a time of great stress. Reviewed on: 17th October 2023

Reply from Policy Expert Hello, We appreciate you taking the time to leave us a review. We would be grateful for the opportunity to look into your comments further but unfortunately, we're unable to locate your policy via the details contained in your review. If you could please email us at [email protected], we'll pick this up right away. Thanks, Nisha Response date: 17th October 2023

Shocking company

Nearly 2 years after Storm Arwen our house is still not ready. Reason......Trinity Claims, which the actual insurance company, Policy Expert is just the selling arm of the company, is an incapable farce of a company. They are unable to organise a proper clean up, a cover on my house, plasterers that know to ventilate, delivered laundered clothing that had sat in a mouldy house for months, back to the same house without a roof and damp and mouldy, then refused to pay me for them as I didn't move them! They don't pay my rent on time, or my utitlies. The stress they have, and are still causing is immeasurable. Everything is a fight. And their 4 hour reply guarantee to messages on their portal (the quickest way to contact them......NOT!) is an absolute joke. I'm lucky if I get a responce in 4 days. My file handler has not spoken to me in over a year because I seem to have upset him. Just don't insure with them!!!!!! Reviewed on: 15th October 2023

Reply from Policy Expert Hello Joan, We appreciate you taking the time to leave us a review. We would be grateful for the opportunity to look into your comments further but unfortunately, we're unable to locate your policy via the details contained in your review. If you could please email us at [email protected], we'll pick this up right away. Thanks, Nisha Response date: 17th October 2023

Easy to take up a policy

When taking out home insurance I checked out several companies. Your company gave me what I wanted at a reasonable price. Reviewed on: 9th October 2023

Amazing!

Incredible customer service, the most charming person on the phone, cannot fault a single call Reviewed on: 8th October 2023

review

I have been with Policy Expert for the past couple of years, since they are competitively priced, and their premiums have remained the same. Reviewed on: 4th October 2023

Insuring is Reassuring

Found getting my house insured with policy expert very easy , straight forward and competitive Reviewed on: 3rd October 2023

Professional

Easy to get through on phone and to discuss your options. A professional experience. Reviewed on: 3rd October 2023

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

Landlord Insurance
from Husmus 0.00 from 0 reviews
Insurance
from National Counties Building Society 5.00 from 1 reviews
Landlord Insurance
from Just Landlords 4.89 from 9 reviews

Want to see more from Policy Expert ?

Car insurance
from Policy Expert 4.82 from 5025 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