Uninsured driver promise
No excess to pay, and your no-claims discount (NCD) is protected if hit by an uninsured driver (Silver & Gold cover only).
Car insurance
Our customers saved an average of £103 when they switched to us.*
Car insurance with Policy Expert
is packed with features to give you great cover and protection.
3-year guarantee
When you use one of our approved repairers, plus a courtesy car while yours is being fixed (subject to availability).
Prices you'll like
We keep prices competitive by focusing on low-risk drivers, so your quote is built around you and your circumstances.
What is car insurance?
If you use a vehicle on public roads, by law both the car and driver must be insured. As a minimum, you need third party liability cover. This means others are protected if you cause injury or damage. Policy Expert car insurance additionally gives you financial protection against accidents, theft, and damage as standard across all cover we offer. The type and level of cover you choose depends on your needs.
What does car insurance cover?
The coverage provided by car insurance can vary depending on the type of policy you choose.  |  |  | |
|---|---|---|---|
| Courtesy car (Subject to availability) |  | | |
| Cover whilst driving in Europe (Up to 90 days per trip, unlimited number of trips) | | | |
| Personal accident cover | £5,000 £5K | £5,000 £5K | £10,000 £10K |
| Audio and satnav equipment |  | | |
| Windscreen cover | | | |
| Uninsured driver promise (no excess to pay, & your no-claims discount is protected if hit by an uninsured driver) | | | |
| Child seat cover | | £100 £0K | Unlimited |
| Vandalism promise | | | |
| Legal assistance cover | | | |
| Roadside assistance breakdown cover | | | |
To see the full list of what's included in each product, get a quote
Policy wording
Our policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.
Upgrade your car insurance cover
We offer various optional extras to enhance your car insurance cover. These include:
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Breakdown cover
Breakdown cover means help arrives when your vehicle breaks down. You'll get roadside assistance and recovery, or money towards a place to stay or a method of travelling home, if needed. Depending on your level of cover, breakdowns at home and in Europe are also covered.
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Key protection
Keys can go missing, get stolen or break. Replacing them isn't cheap. With key cover, we'll replace your keys and cover any locksmith costs too.
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Motor legal protection
Motor legal protection is an optional add-on to your policy that can support the recovery of your uninsured losses (for example, your excess or out-of-pocket expenses) following an accident that wasn't your fault.
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Personal accident cover
Personal accident cover pays a fixed amount in the event of you or your partner receiving serious injuries or being killed in an accident. This is in addition to the standard amount for personal accident in your core motor policy.**
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Replacement vehicle
Replacement vehicle cover is an optional extra that provides you with a temporary car for up to 21 days, if your car is unable to be repaired or stolen and not recovered.
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Excess protection
This cover reimburses the excess you've paid out of your own pocket if you have a claim that is your fault. If you claim, this product will pay you back the excess that we have charged you.
These add-ons can provide additional peace of mind and protection for your needs. Exclusions and limitations apply, ensure you read the policy wording carefully.
Why do I need car insurance?
Car insurance is a legal requirement for any car used in the UK (and in Europe). It’s also essential for your financial protection. Where you have an accident or are stopped by police and do not have this cover in place, you could be prosecuted, face severe penalties and even be personally liable for any damages or injuries caused (in an accident).
What isn’t included in your car cover?
While car insurance provides extensive protection, there are a number of exclusions which are not covered. You can find them in your policy wording – but here are a few key ones:
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Wear and tear.
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Mechanical or electrical failures.
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Driving other vehicles (unless the policy covers it).
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Using your car for purposes not declared on your policy.
Which type of car insurance type is right for me?
The right type for you depends on factors such as your car’s value, your driving history, and your budget.
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Comprehensive
Comprehensive car insurance offers the most extensive protection. It includes all the benefits of TPFT, plus coverage for damage to your own vehicle, even if an accident is deemed to be your fault. Additional benefits often include personal injury protection for you and your partner as well as cover for personal belongings kept in your car, depending on level of cover. Our Silver and Gold covers include windscreen repair or replacement. Courtesy car provision while yours is being repaired is subject to availability.
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Third-party only (minimum legal requirement)
This basic level of coverage protects you against claims made by other people for injury or damage to their property, however, it’s important to note that third-party only doesn’t cover any damage to your own vehicle or injuries you may sustain.
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Third-party, fire and theft
Third-party, fire and theft coverage offers everything included in third-party only policy, with the added protection against fire damage to your vehicle or theft. It’s worth noting that TPFT policies still don’t cover damage to your own car in the event of an accident that was your fault. This limitation can leave you exposed to potentially significant repair costs.
Policy Expert only offers Comprehensive cover.
Our car insurance expert says…
“When choosing car insurance, it’s crucial to consider not just the price, but also the level of coverage and the reputation of the insurer. At Policy Expert, we strive to offer a balance of comprehensive protection, competitive pricing, and exceptional customer service. Remember, the cheapest option isn’t always the best in the long run, especially if you need to make a claim.”
Nabhan Hussain, Head of Motor Pricing
People love what we do...
I have home and car insurance with them
Policy expert have insured my house for a couple of years, I recently obtained a quote from them for my car insurance, it was very affordable so now they insure my car also. Very happy.
Chris, March 2026
Easy to get my car insurance
Easy to get my car insurance. Great value, fully comprehensive insurance with all additional extras. Very pleased. Thank you.
Heather, March 2026
Saved me a lot of money
Everything was made clear about the policy and easy to understand. I also found my car insurance was good value and saved me a lot of money.
Henry, March 2026
Our insurance services are rated excellent on
Trustpilot April 2026
What you need to get a car insurance quote
We understand that obtaining car insurance can sometimes feel like a complex process and we’re here to simplify it for you. To ensure you receive the most accurate and competitive car insurance quote from us, there are several pieces of information you’ll need to provide, which include but are not limited to:
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Personal details (name, address, date of birth).
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Vehicle information (make, model, registration number).
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Driving history (including any claims or convictions).
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Details of any additional drivers.
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Estimated annual mileage.
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Occupation.
How we calculate your car insurance cost
Multiple factors can influence the cost of your car insurance. For example, some factors we consider are:
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Your age and driving experience.
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The make and model of your car.
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Where you live and park your car.
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Your annual mileage.
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Your claims history and no-claims bonus.
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The type of coverage you choose.
FAQs
Do I need a credit check to buy car insurance?
When you request a quote, we may perform a soft credit check. This doesn’t affect your credit score. A hard credit check is only carried out if you choose to pay for your policy in monthly instalments. This will be done by our credit provider.
How do I estimate my mileage?
Accurately estimating annual mileage is important. This can be done by considering typical usage patterns, such as regular journeys and occasional longer trips, or by reviewing previous mileage if that information is available.
How do I claim on my car insurance?
The fastest and easiest way to report a claim is online.
For more detailed information, check out our guide on how to make a car insurance claim.
We see claims for all sorts of reasons. The most common causes include:
· Multi-vehicle or single vehicle accidents
· Fire damage
· Theft
· Vandalism or malicious damage
· Windscreen damage
Most accidental damage claims happen when you or another driver:
· Hit your car from behind
· Damage your car whilst it's parked
· Collide at a roundabout or fail to give way
· Change lanes unexpectedly
· Pull out from side roads
· Hit stationary objects like fences, bollards or posts
· Collide with animals, people or cyclists
When claims are most likely:
We tend to see more claims during winter months when mornings and evenings are darker, and weather conditions worsen with rain, ice or snow.
In summer, claims usually drop slightly when school holidays begin, as there are fewer cars on the road during peak times.
Why does car insurance go up?
Car insurance premiums can increase due to various factors, including:
- Overall increase in claim costs
- Changes in your personal circumstances (e.g., moving home)
- Making a claim or receiving motoring convictions
- Industry-wide factors like changes in taxation or regulation
Am I covered to drive other vehicles?
Cover for driving other vehicles is not included as standard and, where available, is subject to eligibility criteria such as age, occupation and policy terms. It applies in limited circumstances. You can check if this applies to you in your policy documents once insurance has been purchased, or by contacting us.
Can I add more drivers to my policy?
Yes, you can add more drivers to your policy, subject to certain criteria. To do this, you can either log into the customer portal or contact our motor team on 0330 0600 602.
Is windscreen cover included in my policy?
Windscreen cover is an important aspect of car insurance that many drivers overlook. With our Silver and Gold policies, we offer windscreen cover which includes all windows, not just the front windscreen, but we exclude panoramic roofs. Always check your policy details or contact us to confirm your level of coverage. Windscreen cover is not included in our Bronze policy.
Does Policy Expert cover electric vehicles?
We can cover hybrid vehicles, but we don't offer cover for electric cars. Our car insurance provides comprehensive protection for petrol and diesel cars. We offer multiple levels of cover to suit different needs and budgets – check out our different car insurance policies to learn more.
Explore car guides and expert tips
Non-fault claims
Knowing fault vs non-fault claims avoids surprises and explains which insurer ultimately pays or recovers the cost.
Importance of third party details
After minor accidents, not collecting details or informing insurers can cause bigger problems later.
Reporting car accidents
Always tell your insurer about all accidents or damage, even without claiming, to keep your policy fully protected.