Write a review

Policy Expert : Home Insurance reviews

Name: Home Insurance
Rating: 4.78 (9122 reviews)

View other Policy Expert products

4.77

Based on 9,122 reviews, last reviewed 12th May 2025

100% 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

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 ... Read more Reviewed on: 3rd April 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 See your review

About this product

Before taking out home insurance, be sure to read customer reviews for the provider and its policies. Double check when reading reviews that they’re for the right type of insurance: buildings, contents, or both. We collect Policy Expert home insurance reviews to help you make an informed decision when choosing your new provider.

Choose from three levels of home cover: bronze, silver and gold. Policy Expert has flexible policies that can be tailored to your needs with a selection of additional add-ons. For example, you can choose to add on emergency cover, away from home protection and more.

Each homeowner will have different needs from a home insurance policy. You may be searching for the highest level of contents cover to protect your belongings. Or perhaps you need a robust buildings insurance policy? You may simply be looking for the most cost-effective, combined policy. Whatever your needs, read the Policy Expert home insurance reviews on Smart Money People. Our reviews are left by genuine policyholders to give you insight into what you can expect as a Policy Expert customer.

Have you had a home insurance policy with Policy Expert? Share your honest experience with others. Did you take out contents insurance, buildings insurance, or both? Which level of cover did you choose, and were you satisfied with your choice? Did you find the price of your premium to be reasonable? Did you select any additional add-ons, and have they proved worthwhile? Did you have any experience with the customer service team? Whether good or bad, write a Policy Expert home insurance review today. Together, we can help people like you make better decisions.

Policy Expert Home Insurance reviews (9122)

Review of the Policy Expert, Home Insurance:

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

We've stuck with Policy Expert for 7 years in a row.

We've stuck with Policy Expert for 7 years in a row. The process is simple, the price competitive, and if I've ever had any questions or issues, it's easy to get hold of them. Reviewed on: 4th September 2024

Terrible

The call handler had no clue what she was talking about. Terrible customer service. Could not answer basic questions. I asked to her senior and the senior refused to speak to me! Reviewed on: 4th September 2024

Years Experience With Them.

Been with them for a few years now. They appear to offer reasonable rates, compared to some other insurance firms, for the cover we need. Reviewed on: 4th September 2024

Good, all inclusive home insurance.

Good, all inclusive home insurance. Reasonably priced. Reviewed on: 4th September 2024

Efficient, professional knowing your needs and a pri...

Efficient, professional knowing your needs and a price which offers real value! Reviewed on: 4th September 2024

Excellent value for money!

Excellent value for money! Easy to get back to quotes. Reviewed on: 4th September 2024

Great cover at a competitive price

Provides a good level of insurance cover including some items that are charged as extras with others. Reviewed on: 2nd September 2024

Highly recommended

I've been with Policy Expert for several years now. Fortunately, I've never needed to make a claim, but have contacted them and found their online chat easy to use. Reviewed on: 1st September 2024

Good interaction via website, good info at all stages.

Good interaction via website, good info at all stages. Plenty of options and clear pathways. Reviewed on: 1st September 2024

Satisfactory

The annual price is not too bad compared to my previous policy and it covers everything I need . As yet I am fairly satisfied Reviewed on: 1st September 2024

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

Home Insurance
from Tesco Bank 2.48 from 114 reviews
Home Insurance
from Direct Line 3.73 from 132 reviews
Home Insurance
from John Lewis 2.44 from 68 reviews

There's still more to see!

Policy Expert has a range of products available. Check the ratings of each product to find the right one for you. 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