Home Insurance

Fixed price cover until 2017*

Primo Insurance from Policy Expert. 5 Star rated by Defaqto
Primo Insurance

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?
  • 96% 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 1090 survey responses carried out by QMetric Group Limited in Jul-14.

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 1,417 reviews)
5 5/5 Amazing
I saved over £300 on my house insurance in approx 10 minutes, I can't believe I got the same cover for that much less, canny annoyed I had been paying so much but over the moon with the saving
3 3/5 Sevice
I `m not that keen on downloaded docs, but I think I`ve managed to download my Policy. So, I have the House and Legal Policy but I appear to be lacking the Contents part. Any suggestions?
5 5/5 Home & contents insurance.
Could not have been made any simpler. First class.
5 5/5 Easy to understand the web Site
Policy Expert highly recommended.
1 1/5 Phone number
The phone number you give keeps you holding and then says number no longer in service . Also to get an any answer takes absolutely ages on another number. This is absolutely rubbish
5 5/5 First class service
Of all the quotes I received this was one of the best for value for money. The online application was easy to understand and was completed within a matter of minutes. The service I have received so far is excellent.
5 5/5 Good to feel salesperson knew what they were talking about.
Spoke a few months ago because I had written wrong date for insurance renewal. As promised rang back last week which meant I did not have to research myself for home insurance quote and everything was very efficiently completed in a short space of time. Paperwork has now been forwarded so I am impressed.
5 5/5 buying policy expert house insurance
thought it looked to good to be true ..... gave them a call got exactly what I wanted at a excellent price .. far less than my last insurer, for a better cover .Hope they can do the same next year!
4 4/5 Home Insurance
Was taken through quote easily by good representative who took his time and made all relevant points clearly. Would have preferred him not to have to try and sell another product at this time. When I had to call on another day to cancel the Key Cover policy, it took a long time to get through on phone.
3 3/5 service team are grgreat. website not so
Unfortunately, despite setting up the online account, nothing shows up and as much as they try to resolve can't.

Home Insurance Claims Reviews

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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