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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

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

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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:

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

trustworthy.

Policy Experts are truly reliable and trustworthy. The response I got when I called that I had a blockage in my house was amazing. Good job and great team. Reviewed on: 5th September 2024

Good value home insurance.

Good value home insurance. Haven't claimed yet so don't know how they'd perform in this regard. Reviewed on: 5th September 2024

Excellent customer service

Claim dealt with quickly and easily Reviewed on: 4th September 2024

Storm damage Sorted

Very very helpful. Everything sorted very quickly Reviewed on: 4th September 2024

Helpful and kept informed.

Helpful and kept informed. Documents sent and competitive price Reviewed on: 4th September 2024

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

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