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Car insurance

Car customers saved an average of £191 when they joined us*

Car insurance for people like you

The kind of car
insurance you want

Uninsured driver promise. No excess to pay, & your no-claims discount is protected if hit by an uninsured driver. (Silver & Gold cover only)

3 year guarantee on repairs when you use one of our approved repairers.

Three cover levels to suit your needs and budget.  

Prices you’ll like because we only insure low risk drivers.

A range of flexible add-ons available. (More info)

An online portal that lets you manage your policy 24/7.

Take your pick

Courtesy Car

(Subject to availability)

Cover whilst driving in Europe

(Up to 90 days per trip, unlimited number of trips)

Personal accident cover

£1,000

£5,000

£10,000

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

Unlimited

Vandalism promise

Legal assistance cover

Roadside assistance breakdown cover

Policy wording

Our policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.

Policy wording

Create cover that suits you

Select exactly what you need and we’ll tailor the perfect policy for you.

Legal Assistance

Breakdown cover

Key cover

Replacement vehicle

Personal accident cover

Excess protection

Up to £100,000 towards legal expenses to defend your rights

Help with claiming back car insurance policy excess

Help with settling car hire, purchase or sales disputes

Compensation for a personal injury

Assistance with pot-hole damage, unenforceable parking fines and illegal clamping

Legal Assistance

Breakdown cover

Key cover

Replacement vehicle

Personal accident cover

Excess protection

People love what we do...

An easy to use website with very competitive pricing

An easy to use website with very competitive pricing, made it easy for me to select the right level of Car insurance.

Ian - December 2025

Talk about a great price

I always use comparison sites to see what policies suit me best for home and car, having received my renewal quote, I managed to half the price, which is brilliant, so I checked trust pilot for reviews and it sealed the deal, buying online, I was able to check my cover easily and the extras which are added are fabulous and make me feel secure. I wouldn’t hesitate to recommend this company thanks policy expert!

Fiona - December 2025

Best for cost and accessibility

Buying the policy online was so easy and the best choice for me having done a comparison check at renewal. Very reasonable price for comprehensive insurance and cheaper than my existing insurer.

Mohammad - November 2025

Very satisfied customer

I was delighted that my premium was less than last year! I was very satisfied with the communication received from Policy Expert and the ease of renewing!

Clare-Marie - November 2025