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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

400% increase in 5 star reviews

in the past 90 days

100% decrease in 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.

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Policy Expert Home insurance reviews (9136)

Quick and responsive customer service plus competiti...

Quick and responsive customer service plus competitive renewal quotes mean that although they’re not as well known, I’ve been with them for the last 6 years. Always helpful when making a claim and a low waiting time on the phones. Reviewed on: 5th September 2025

Good company.

Good company. We have the full package for our home insurance. Could expect a little lower price but its okay Reviewed on: 5th September 2025

WORTH ALWAYS CHECKING POLICY EXPERTS

Very easy to contact and usually will beat any other online quote for home insurance. Reviewed on: 14th August 2025

Hassle free home insurance from Policy Expert v...

Purchased annual home insurance from Policy Expert via Money Supermarket, hassle free experience. Reviewed on: 12th June 2025

Simple to understand, easy to renew.

Simple to understand, easy to renew. Reviewed on: 26th May 2025

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 in the lock, but the deadbolt did not move. So, we called an emergency locksmith to get us in. I tried to make a claim with Policy Expert. However, they were unwilling simply to accept the written receipt for the work. They wanted a "professional assessment" of what had happened to the lock. Given that the locksmith had drilled through the lock and I had thrown it away, it was impossible to get this "professional assessment". So beware. Policy Expert may offer cheap prices, but their claims team made it extremely difficult for me to make a successful claim. When I come to renew my insurance this year, I'll be going with a large company - even if they charge me more I hope that they will be less tricky when it comes to making claims. Reviewed on: 12th May 2025

Try claiming.......

My 4 Yr old roof membrane had separated due to bad weather but you have declined the claim saying that the day I identified the damage the wind did not meet the 55mph minimum! The damage must have OBVIOUSLY occurred earlier (the roofer has today revealed that the board is grey and clearly been exposed for a while indicating damage from an earlier storm) and got worse over a period of time but because of this 'policy wording' you won't pay the claim. Utterly dispicable. I pay for flat roof cover under a 'gold' policy with policy expert. Beggars belief that when I need a small amount of insurance cover you do what you can to avoid paying. What you'd be like in a larger claim is quite scary. What an awful insurance company who's reviews look great until you need them.... and I will not be using Policy Expert again. I noticed some noises on Fri 18th April when it was windy. I do not know whether the initial damage occurred last time 60 plus mph winds hit a few short weeks ago but damage has clearly spread until it got to a point of me hearing it. I'm partially deaf. We are also on a marines base flightpath and have chinnooks regularly flying just above the roofline. The property is raised and more exposed than most in the area and we do experience strong winds. I've already left a negative review on trust pilot and will continue to do so on other sites until you review this legitimate claim to my satisfaction. Why do you make it so hard to claim? I pay for a gold policy and expect better support when needed. Paul Alibone Reviewed on: 24th April 2025

I had scape water in my house last year.

I had scape water in my house last year. they sent people to check the damage and paid out without quibble. and we’re still the cheapest to insure my home this year. Reviewed on: 3rd April 2025

Might be the Cheapest insurance but the customer jou...

Might be the Cheapest insurance but the customer journey is shocking. Paid for my insurance three weeks in advance, received one email asking for additional information by 20th January. On the 20th January 5 days because my policy even started i received an email to say my policy will be cancelled on the 28th January with no option to rectify this. I have since rang this insurance three times as i keep getting asked for more information and sent very misleading information. They’ve charged me an additional £80 and feel like this isn’t the end of there never ending requirement and badly worded scare mongering emails. God help me if i do have an accident in the next year as i dread having to deal with them. Please choose another provider i have never had this many issues in the 15 years i have had car insurance. Absolute jokes! Reviewed on: 28th January 2025

Reply from Policy Expert Hi Amy, Thanks for taking the time to leave us a review we are sorry to you were dissatisfied with your experience with Policy Expert. If you can send us an email to [email protected] we with your policy number and details we can investigate this for you. Thanks, Joe Response date: 29th January 2025

They do noy pay out

Refused to pay for shower leak because I run remote business from a shed. Notice that their positive reviews relate to how easy it is to buy, not how good they are on actually paying out. Yes, sure, they are excellent at taking your money, not so much at actually proving the cover they are supposed to provide. Go somewhere else. Reviewed on: 1st December 2024

Reply from Policy Expert Hello Olga, Thanks for taking the time to leave us your review. Please contact us at [email protected] with your policy details and we can look into this for you. Thanks, Georgia Response date: 6th December 2024

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