Home Insurance

Fixed price cover until 2017*

Policy Expert Home Premier. 5 Star rated by Defaqto
Policy Expert Home Premier

We'll fix the price of your Home Insurance for 2 years, so instead of your premium going up next year it will stay at the same low price*. Compare quotes now from our panel of hand-picked insurers.

We carefully select the insurers on our panel for their cover levels, price and claims service; to make sure you get the best possible quality for less. What you see is what you get - no hidden excesses or excessive fees. Flexible cover options whether you're after a combined home insurance policy or separate Buildings Insurance or Contents Insurance.

Why use Policy Expert?

Because we go further.

We've brought together a leading panel of insurers to bring you these benefits

  • 2 Year Fixed Premiums on selected insurers helping you save for longer
  • Quick & simple quote process
  • Compare multiple quotes from tried & tested leading UK insurance brands
  • Policy Expert support at every stage, including when you make a claim
  • Optional Extras to extend protection where you need it

Renewal premium higher than last year?

We guarantee the same low price next year at renewal*

  • After all, why should you pay more next year if you haven't claimed?
  • 95% of customers save money when they switch their Home Insurance to Policy Expert†
  • Our price guarantee means you'll pay the same low rate next year at renewal
  • Premiums are fixed at renewal, but don't worry it's not a 2 year contract
  • What if the price has gone down? We'll research the market for you at renewal time and if there's a better deal for you, you can have it!
†Number of customers who reported savings when they switched their Home insurance policies with Policy Expert, based on 1,873 survey responses carried out by QMetric Group Limited in Jan-15.

Standard features of a combined home insurance policy

Full details of what is and isn't covered can be found in the Policy Documents.

  • Contents Cover with 'New for Old' replacement which means you'll get an equivalent new item as a replacement. Find out more about Contents Insurance.
  • Buildings Cover that extends to your garden, driveway, garage, greenhouse or outhouse. Find out more about Buildings Insurance.
  • Alternative Accommodation Alternative Accommodation for your family and pets if your property becomes uninhabitable as a result of an insured loss.
  • Valuables & High Risk Item Cover for your most precious belongings when they're in the home. You'll need to tell us if you need to cover them when you're out and about.
  • Replacement Lock & Keys Cover if your house keys are lost or stolen.

Home Insurance Service Reviews

average customer rating for our service
(from 1,667 reviews)
4 4/5 Simple and easy, with good price
No hassle quote, which was quick and easy enough to obtain A good price for home insurance but with added free legal and emergency cover, made it a good product to take
5 5/5 Helpful
Hi there I am happy with the service I received and happy with the quote given, the only gripe I had was to get a cheap quote I had to pay a deposit, even though my old insurance didn't run out till the 11/05/14 which meant i still have a payment to make on the 01/05/15 I was in the position to pay the deposit how ever not every body is, my suggestion to use is listen to customers needs I told the person i was talking to i would od preferred to pay my 1st payment 01/06/15 and no deposit but i was basically told i couldn't
5 5/5 Great, super fast service
Got an online quote via Top Cashback. Price was quite good but a git higher than my renewal. Called by Policy Expert an hour later to talk through their offering and managed to beat my renewal and get cutback. Call handler spoke clearly and explained everything. No hesitation in recommending them at all. Cheers
5 5/5 home insurance
very good service.
4 4/5 home insurance
the advisor was very helpful in setting up my home insurance.
1 1/5 Disappointed.
I have set up a home and content insurance with your company on the 17/4/15. I have requested all documents to be delivered to me in the post. Have phoned you twice since,but I have not received the documents yet.I have no printer to print the documents. Unless I have received the documents in the post by tomorrow,The 30/4 15, I will be phoning you to cancel the insurance,Within the 14 day period Disappointingly GL.
5 5/5 great deals
fast and efficient and a great price
5 5/5 Great price. Easy website. Friendly service.
Best quote for home insurance.
5 5/5 good service
Once again Policy Expert have come up with excellent competitive insurance.
4 4/5 Change of house insurance
So far, Policy Expert have given me a very favourable insurance quote for my house insurance. The person I dealt with on the telephone was very helpful, and the cover offered is excellent. I received confirmatory emails immediately. The true worth of the policy will be seen if I have to make a claim! A second fob for my car keys would be welcome for the key insurance policy, as I keep my house keys separate from my car keys!

Home Insurance Claims Reviews

96 %
average customer rating for our claims
(from 25 reviews)
5 5/5 First Class!

I would like to thank you for your communication with me over this claim.
I think the attention you have paid to my claim has been first class.
Thank you again

5 5/5 A personal thank you…

Just a short note to say a personal thank you for your prompt attention to my claim.
I am impressed by the willing attention to all matters leading to a prompt conclusion. Funds received today!

5 5/5 The service was outstanding

The service was outstanding from reporting the issue to resolving it last night. Can’t thank you enough.

5 5/5 Wow!

Wow! I’m so impressed! I never imagined this would be so straight forward, thank you so much for brilliant service

4 4/5 Quick response

This has been a very traumatic time which has been made easier with your quick response and efficiency. I really can’t thank you enough

5 5/5 Swift help and concern

Thank you for your swift help and concern, I really appreciates it and have been with this insurance for a few years and I’m pleased with everything that’s been dealt with

4 4/5 We can not thank you enough

We can not thank you enough for all your assistance and help

5 5/5 Policy Expert will always look after us

We want to thank Roy and all others at Trinity Claims Team who may be involved for the excellent service which we have received throughout the process of our claim.

There has been common sense, politeness, good will and fairness all the way.
And it has been carried out with speed too. Many many thanks.

Our house is now back to normal and we feel confident that Policy Expert will always look after us.

5 5/5 First ever claim

I’d also like to take this chance to say how overwhelmed I am with the speed with which you have dealt with my claim and the extraordinary level of customer service offered to me. This is the first time I’ve had to claim on my insurance and I’d like to say a special thank you to yourself, Toby and Alexia for making this process so much easier than I thought it would be.

4 4/5 Friendly and efficient

Just wanted to say thank you for your friendly and efficient handling our call this morning following our fire.
It was a frightening experience for us but you certainly helped.
Once again, thank you

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