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Policy Expert : Home insurance reviews

Name: Home insurance
Rating: 4.76 (9136 reviews)

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4.76

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

No new 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:

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

Not an insurance company

Not an insurance company, a very poor broker, everything subcontracted. Reported them to FCA, if you need a proper insurance company, there are many, pay the extra few pounds, will save trouble Reviewed on: 5th March 2022

Storm damage to roof

Took a week of trying to get through to the correct claims dept, they passed the claim to trinity claims, after a week they told me that it would be 7 and a half weeks after logging my claim for even a surveyor to look at my roof damage, I provided good photos of the damage which they could use to survey the damage as it’s ridge tiles missing and damaged tiles where the ridges fell. I will now be forced to instruct my own roofer as I’m concerned about the remaining ridge tiles and the damage they could do if they fell onto my pyramid sky lights. Reviewed on: 3rd March 2022

Call not connecting to customer service even after waiting for an hour

You will never get through to the customer service team that assist you with claim refund and you are charged for your phone call which means you might not get the claim and end up with high phone bills. Reviewed on: 22nd February 2022

Insurance Shark

This is a shark of an insurance company..I’ve got thousands of pounds worth of damage to fencing due to storm Eunice.. I went outside and moved the sharp edges of the fencing so not to damage windows etc .. as a result of trying not to cause further damage this insurer has punished me by not paying out because not one pane of glass was damaged.. this company payout dodgers in the extreme.. they should be ashamed of themselves !! Reviewed on: 20th February 2022

Very good value and easy to apply until you need to claim, Just don't

I have never. like most people ever tried to claim on my home insurance in over 40 years. Until a month ago when I made a claim for emergency repair. the family toilet would not flush the sewage away and apparenty a pipe had colapsed underground. I paid the bill mysely £2880 Seems the get out is wear and tear Reviewed on: 16th February 2022

Not paying out after storm damage

Terrible experience from Policy Expert. Storm Malik took my roof covering off and rain water caused internal damage.Refusing to pay out as the surveyor says the roof felt was in poor condition, although we had flat roof cover.We gave used this company for eight years but never again,they happily take your money but refuse to pay out when needed. Reviewed on: 10th February 2022

Awful service

This is the worst insurance claim experience. 1) They say Standard cover of £100 but when I went for a leakage claim they say its £500 excess for ESCAPE OF WATER 2)In top of that they get away saying you haven't read out Terms and conditions 3) I made a last year where I was given an access of £50 which they don't have any record of. Reviewed on: 31st January 2022

Makes you wonder why you even have insurance.

I've never submitted an insurance claim in my life, and was apprehensive to do so after hearing all my life that insurers are con-artists who try get out of compensating fairly. After being broken into, with all of the evidence caught on CCTV camera, our shed went from a safe place to keep all the usual garden bits / bikes etc, to a waste of space and a cooked mess. The doors were ripped from their hinges and smashed to bits, the whole frame had sunk and even if we replaced the doors, they wouldn't shut because of the now wonky overall structure. A like-for-like replacement of our shed would likely cost us £1200 - £1800, dependant on quality and supplier. The insurance company valued our claim at less than our £200 excess because the shed was not pristine condition (what shed is?). If insurance does not offer good honest people a like-for-like replacement when they are subject to break-ins / vandalism - you have to ask what is the point in having insurance? We pay them all this money year on year, then when we need them for a legitimate claim, they don't pay out. The hard-fact is, we had a perfectly suitable shed before this ordeal, and now we have nothing. If they are happy with that and think they've done a good job and earnt their insurance renewal fee - there's a definite problem with their way of thinking. Reviewed on: 21st January 2022

Total waste of time and money.Useless

Had a water leek under ceiling.Only covered to find leek.£700 excess to mend it Reviewed on: 13th January 2022

Freezer content

Policy expert, do not expect any help and do not expect to get financial help impossible, if you cannot get help from a small claim for freezer content would they for big claims like building damage no chance DO NOT TOUCH WITH A BARGE POLE, they are cheap for a reason they do pay out on claims. Reviewed on: 13th December 2021

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