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Guide to Car Insurance with Policy Expert 

By Eamonn Turley
Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team - Reviewed

The team at MultiQuoteTime will fact-check content to ensure accuracy at the time of writing. In addition, we also review and update content on an ongoing basis. We aim to keep the content fresh and useful. If you are considering applying for any of the products, please take note that it is important that you read the terms and conditions that are applicable.

June 2024

Policy Expert standout within the insurance industry for employing innovative technology whilst keeping a personal touch, they pride themselves in being able to deliver insurance that feels tailor-made. They have an award-winning customer service to guide you every step of the way

Policy Expert is a UK insurance provider with a trade name, operating under QMetric Group Limited since 2010. They have an authorised licence and are located at 110 Bishopsgate, London, EC2N 4AY. Their insurance options include car insurance, such as comprehensive, third-party, and learner driver insurance, with optional extras such as courtesy cars, key covers, breakdown cars, windscreen covers, and child seat covers.

Aside from providing customers with car insurance and also electric car insurance, Policy Expert also provide both home and contents insurance, along with building insurance. To prove their expertise and trustworthy services, they were awarded the best home insurance provider by smart money people in 2023. If you're looking for a combined home and car insurance policy, then Policy Expert might be worth considering.

What does the Policy Expert car insurance policy cover?

Depending on your needs and budgets, policy experts have a wide range of options for you to choose from. Here are some of the coverages provided by the insurance company:

  • Comprehensive car insurance: If your car suffers damage from vandalism, theft, accidents, or fire, this comprehensive car insurance will cover the cost of repairs. It also entails covering you legally for third-party liabilities when you injure someone or damage their property while driving.
  • Third-party car insurance: Unlike comprehensive cover, this type of car insurance doesn't cover your vehicle. It only covers you for third-party liability when you injure someone or damage their property while driving.
  • Learner Driver Insurance: This type of insurance allows learner drivers to drive other people's cars. If you are a learner driver, this insurance covers you when you damage someone's car while driving it. 

Benefits of Using Policy Expert Car Insurance

Policy Expert’s insurance isn't like other conventional car insurance. Aside from providing you with a car insurance policy, their services are designed to meet customers' needs and budgets. Here are some of the benefits you’ll enjoy when you choose Policy Expert:

  • Wide Range of Cover : Policy Expert provides you with a pool of options to choose from. Optional add-ons are also available for you if you are interested. You don't have to worry about your driving experience or budget before picking a policy. It doesn't matter whether you're an experienced driver seeking comprehensive protection or a young driver requesting third-party-only coverage. Such a wide range of coverage gives you the certainty of getting a good policy.
  • Competitive PricesPrices matter when choosing a policy for your car or home. Policy Expert’s insurance offers competitive prices within your budget. They understand that car insurance should be affordable, especially for young drivers, who face higher premiums. However, you should compare quotes before picking a price for your insurance. This will help you understand prices better.
  • 14-Day Cooling-Off Period : There are times you might not be sure if you've chosen the right policy. Unlike your previous insurer, Policy Expert’s insurance offers you a 14-day cooling-off period to review the policy to see if it's the right one for you. The policy allows you to proceed or cancel and get a full refund within the 14-day window. However, you'll be charged a cancellation fee if you cancel your policy outside the 14-day cooling-off period. This is among the key factors you have to consider before deciding whether to cancel or proceed with the insurance policy.

What are the levels of cover offered by Policy Expert Insurance Services?

Cover is available from Policy Expert at three different levels of cover. For full peace of mind that everything from accidents to theft is covered, opt for their Comprehensive Cover. This is the highest level of cover and includes little extras like windscreen repair and a courtesy car to keep you moving. An important extra is their Uninsured driver promise, which protects your no claims history if hit by an uninsured motorist.

If you just wish to protect against theft or fire in addition to covering damages to others, the Third Party, Fire and Theft option is ideal. For thoes that hust wish to meet the legal minimum requirement, Third Party Only cover ensures you’re good drive

Plus, with MultiQuoteTime, you can further fine-tune your policy by adding additional features like legal cover and breakdown assistance. You will have complete control in designing a policy that fits your life perfectly.

How do I get cheaper car insurance with Policy Expert?

Searching for ways to get a better deal on car insurance? Agreeing to a higher voluntary excess and keeping a good history of no claims. You could also consider adding a black box or improving security by parking your car in the drive rather than the street. And don’t forget, comparing policies with MultiQuoteTime can help you find the best deal for your needs.

What do people have to say about Policy Expert 

Overall they have earned themselves a good reputation with those that leave reviews with average ratings being over 4 stars.  Most reviews we found praised Policy Expert car insurance services for their he competitive prices as well as the ease of getting a policy. 

Compare Car Insurance Now!

As our company name suggests, we can provide multiple insurance quotes. These quotes are provided by a panel of car insurance providers selected by SEPOA.  Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!

Don’t have your registration number? No problem, click here.

**51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices
quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are
dependent on your individual circumstances and how you selected your current insurance supplier.

MultiQuoteTime Ltd Does not recommend any insurance companies. Services offered by this provider may change over time. Always check Ts&Cs.

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