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?
  • 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 1,563 reviews)
5 5/5 purchase of home insurance
The purchase of home insurance was easy and stress free Gordon was very helpful and conducted the purchase quickly and efficiently. Thank you.
5 5/5 efficient and knowledgeable assistant
A pleasant experience with no hard sell tactics. The product spoke for itself and was good value for money.The sales assistant was very helpful and polite.
5 5/5 fantastic service
not only was the policy a very good price and included extras which i was looking for such as home assistance cover and legal protection free, when i had a slight glitch on the pc when i tried to purchase the cover i just phoned the helpline and the service was second to none. the chap took me through things and asked about the level of cover required for contents and the upshot was i was offered the cover even cheaper than that quoted on the comparision website. how often do companies rip you off and let you pay a higher price if you are prepared to pay it so this was a refreshing change. A1 service and so easy
3 3/5 Home Insurance
Its very strange to go online and fill in details for policy expert when the documents for the cover come from Close Brothers. When a policy comes from a broker directed from yourselves there should be a Policy Expert branded cover note to explain and to reiterate what this information relates to. Also an email to say whom the policy is actually with from yourselves so we can expect what material to come from whom through the post.
5 5/5 Insurance for the home
The girl who answeed my call was very good. She listened to my query. Then listened to what I needed. I was very impressed with the lady the cover of insurance. Andcthe price was grest
3 3/5 Busy phone lines, slow response to email
staff very polite and friendly when you finally get through. not had to claim yet though!
5 5/5 Building & Contents Insurance
I was very pleased with service from the Advisors I spoke with when I purchased my new policy. They were very polite and were able to answer any questions that i had regarding my cover. The cost of the cover beat any others i had reserched. I would recommend them to my friends without any hesitation.
5 5/5 New Customer
Great and easy service to use and much cheaper than other insurance companies, quick ti acknowledge.
5 5/5 home insurance savings made easy
From start of quotation process right through to policy acceptance all the information was clear and easy to use and the end result was a £100 annual saving on a like for like policy.
4 4/5 good value for money
Excellent and easy clear website for insurance

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

more reviews