Home Insurance

Fixed price cover until 2016*

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 1,312 reviews)
3 3/5 home insurance
Received legal & emergency documents .Still to receive building & contents documents. Are they in the post ?
5 5/5 very pleased with the advice and prices quoted by your advisor who was very polite and helpful
excellent customer service and good value for money
5 5/5 The service
Happy with service and telephone interaction
4 4/5 Waiting and waiting and waiting and even more waiting
I had no problem sorting out my house insurance and found the staff very user friendly.My main problem was the time I had to wait for someone to talk to.My first call lasted almost 12 minutes before I put the phone down.My second call got to 5 minutes before I finally got to speak to a human being and if I had to wait much longer you would have lost my custom FOREVER. However,like I said, other than this I got my policy and had a very nice man eventually!! It makes you wonder though, how much custom you lose how many people hang up and never come back
5 5/5 First Class Service
Ive been using Policy Expert for a number of years now and have always found the staff knowledgeable, courteous, and very helpful and would recommend them without hesitation.
3 3/5 Lack of regard for the rules
I found Policy Expert through a comparison search on Money Supermarket, my comparison engine of choice (but after this maybe not). I made sure I did not check the box that said my details would be passed to the top few companies to contact me directly but before I had even clicked through to complete the on-line application Policy Expert rang me. The person I spoke to was very understanding, apologetic and helpful to the extent that I still purchased the insurance. The policy itself seems very good value but until I need to claim I can't say if this is a good company or not. I guess I should not be too surprised should I need to make a claim and they turn out to be poor but then again in my experience the insurance industry as a whole is almost a disreputable as our banking industry so even much more expensive policies can disappoint.
4 4/5 Very helpful service
Found the sales chap extremely helpful and understanding. He quickly grasped my situation, on behalf of my mother, and made things a lot easier. Bit of a cheekie chappie but was a delight and knew his stuff.
5 5/5 insurance quote
Excellent customer service!
5 5/5 Easy excellent service
Easy to fill in on line. Policy came through very quickly. Very simple and easy to understand.
5 5/5 home and contents insurance
very straight forward to apply for excellent service over the telephone

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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