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Policy Expert : Home insurance reviews

Name: Home insurance
Rating: 4.75 (9138 reviews)

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4.75

Based on 9,138 reviews, last reviewed 17th Jul 2026

300% increase 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

Great Value Great Customer service. Always renew with Policy Expert as they normally can give me a cheaper quote. Great value for money Reviewed on: 17th July 2026

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 (9138)

Review of the Policy Expert, Home insurance:

Great, friendly staff

Great, friendly staff and user friendly website, easy to use. Best price which was very important to us with all the features that I needed. Reviewed on: 2nd August 2024

Avoid to trusting this company

I had a home Insurance. Because of bad wind some thing fall on the valley made a dent and water was leaking to my loft and bedroom. this damages happened because of the accidental damage Most of the insulation become wet. I have made a claim. They rejected the claim without looking at it saying they will not cover any damages on the roof as this is a wear and tear. this is a fraud company. we insure with Policy expert and our claims are dealing some other company and Valuation is done by a 3rd company. Even after 7 months they did not finally issued a letter saying You can go to Ombudsman. Obviously this company is Cheap if you need an insurances for name sake. But when we go for a claim, they will not pass. As 3 companies involved in the claim process, the amount of time consumes are tremendous. use some other reputed companies Like LV, Halifax etc.. Reviewed on: 3rd January 2024

Reply from Policy Expert Hello, Thanks for 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 using the details contained in your review. If you could please contact us at [email protected], we'll pick this up right away. Thanks, Jessica Response date: 9th January 2024

TAKEN MONEY WITHOUT CONSENT

TELEPHONED POLICY EXPERT A WEEK BEFORE MY RENEWAL AND EXPLAINED MY HUSBAND HAD A CCJ WOULD THIS MAKE A DIFFERENCE AND THEY SAID WE CANT RENEW ON THOSE TERMS, SO I ASKED THE POLICY TO BE LAPSED OFF AND THE LADY SAID OK. A WEEK LATER THEY TOOK MY MONEY OUT OF THE BANK EVEN THOUGH THEY WOULD NOT INSURE ME AND HAVING SENT THEM LETTERS AND SPOKE TO THEM ON LIVE CHAT HAVE STILL NOT GAVE ME MY MONEY BACK. SO BEWARE ONCE THEY HAVE GOT YOUR BANK DETAILS WILL TAKE YOUR MONEY AT RENEWAL EVEN THOUGH YOU HAVE ASKED THEM NOT TOO. Reviewed on: 20th December 2023

Reply from Policy Expert Hello Dave, Thanks for taking the time to leave us a review. At Policy Expert, we value feedback from our customers as we believe it is an integral way for us to improve our overall services. Since leaving your review, we have spoken about your experience and resolved this with you. If a 1-star rating is still reflective of your overall experience with us, then do let us know we are available at [email protected]. Thanks, Jessica Response date: 22nd December 2023

Amendment to previous review

Policy expert have contacted me since my previous review and agreed to continue my house insurance, a weight off my mind Reviewed on: 24th November 2023

Furious

I've just started working from home, called policy expert to discuss this. Just been told they are cancelling my insurance in 2 weeks time. I've Bern a loyal customer and never made a claim. IM FURIOUS Reviewed on: 20th November 2023

Reply from Policy Expert Hello, Thanks for taking the time to leave us a review. Since leaving your review, we have discussed this with you over the phone and confirmed that we are not going to be cancelling your insurance. We apologise for the confusion and error made in arranging the cancellation. If there is anything else we can help you with, do get in touch at [email protected]. Thanks, Jessica Response date: 27th November 2023

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

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