Compare Policy Expert Home Insurance

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Guide to the Policy Expert Home Insurance

Policy Expert Home Insurance is not just another insurance provider. It's a robust shield that stands tall, protecting UK households. Committed to safeguarding homes, Policy Expert offers a comprehensive range of insurance solutions, each one uniquely tailored to meet the diverse needs of homeowners across the nation.

The Policy Expert's commitment to excellence is exemplified by its Defaqto five-star rating. This rating serves as a testament to the comprehensive coverage and extensive benefits offered by its Home Insurance, ensuring homeowners’ trust in the reliability and effectiveness of their chosen insurance provider. Policy Expert asserts its presence with specialized products, such as van insurance and monthly car insurance, tailored to meet the needs of homeowners in the modern era. Policy Expert face competition from high street home insurance providers that include Post office home insurance, Bell Direct Home Insurance, Swinton, and Elephant home insurance plus others all competing for a share of the market.

What Home insurance polices are available with the Policy Expert?

Like other providers of home insurance, Policy Expert offers three main categories of cover:

  • Buildings Only Insurance
  • Contents Only Insurance
  • Combined Insurance (Buildings and Contents)
Policy TypeBuildings maximum sum insuredContents maximum sum insuredAdditional accidental damage
Bronze£600,000Up to £60,000optional
SilverUp to £1,000,000Up to £75,000optional
GoldUp to £1,000,000Up to £100,000included

What types of home insurance cover does the Policy Expert offer?

Policy Expert offers a range of home insurance covers, including:

1. Bronze

Bronze provides coverage for both buildings and contents, protecting homeowners against risks such as fire, storm, theft, water leakage, freezing, and floods.

2. Silver

The Silver policy offers comprehensive protection for buildings and contents. It includes features such as coverage for alternative accommodation and enhanced limits.

3. Gold

It is a step up from the silver coverage, and it offers additional benefits, including unlimited coverage for alternative accommodation, coverage for matching sets, and enhanced limits.

What is included in a Policy Expert Home Insurance Policy?

Every Policy Expert home insurance policy is customisable to suit your specific needs. To get comprehensive details on each policy type, how to file a claim, and how to adjust your coverage, refer to the company’s policy booklet. It is essential to review the terms and conditions outlined in the provided policy before selecting any coverage.

Did you know? Standard home insurance may not provide cover if a property left empty for 30 consecutive days!

Each provider of home insurance will have conditions attached to how long the property can be left empty and still be insured.  For many, it comes as a nasty shock when they realise this.  Check with your home insurance provider, as you may need to take out short term house insurance if your property will be left empty for a prolonged period of time.

Who underwrites Policy Expert insurance?

The home insurance offered by Policy Expert is underwritten by these entities;

  • Accredited Insurance of Europe (AIEL), Midas Underwriting Limited, and QIC Europe Limited underwrite the home insurance products offered by Policy Expert.
  • Flood Re, a leading re-insurer, provides additional protection for flood-related incidents within Policy Expert's home insurance policies.

How Home insurance is calculated and how to save money on the cost of cover

Your Policy Expert Home Insurance price can vary based on several factors, including location, property security, and claims history. Here’s a breakdown;

  • Location Impact: Choose a property in a safer area to potentially lower insurance costs, as higher crime rates in your postcode may result in higher premiums.
  • Enhance Home Security: Boost your home's safety with measures like smoke alarms and deadlocks on windows and doors.
  • Claims Frequency: Regular claims can hike up premiums, so consider the impact on your policy cost before filing minor claims.
  • Payment Method: Opting for annual payments rather than monthly instalments may save you money, as providers like Policy Expert may charge processing fees for monthly payments.
  • Skip Small Claims: Making frequent small claims might raise premiums or forfeit future no-claims discounts. 
  • Increase Voluntary Excess: Agreeing to a higher voluntary excess can lower premiums.

Compare Landlord Insurance and Home Insurance providers

To get the best deal on home or Landlord insurance, you can start by comparing the deals from providers on your list, including Simply Business Landlord Insurance, CIA insurance services, Sainsbury's Landlord Insurance and Total Landlord insurance

How do I get in touch with the Policy Expert Insurance Services?

Policy Expert Insurance Contact Details

Phone : 0330 0600 600 - Available Monday to Friday from 8 am to 8 pm, Saturday from 9 am to 5 pm, and Sunday from 10 am to 4 pm.

Home Insurance FAQs

Does Home Insurance Get Cheaper as you get older? 

In general, most insurance products get cheaper as you age. In the case of home insurance for over 80s for example, the risk to the insurance provider is reduced. This is based on empirical evidence in terms of the number and size of claims made by senior age groups. Thoes of us that fall into these categories are more likely to be retired and spend more time at home and be more security conscious. All these factors help to reduce the risk of burglary and claims. So expect your home insurance premiums  to reduce as you reach the following milestones of life over 50, over 60's, over 70 or over 80's and beyond. 

One exception to this rule can be over 80's motorhome insurance and car insurance for over 80s as ageing in these cases can increase the risk to the insurance provider. As we age are reaction times reduce and many of us will also suffer from failing eyesight, these and other factors increase the likelihood of a claim which will may be reflected in higher car insurance premiums. 

Find home insurance cover that’s right for you

While standard home insurance work for most people, there are also specialised home insurance policies that might be more suited to your needs.

*51% of consumers could save £201.06 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next
fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2024. The savings you could achieve are dependent on your individual circumstances.

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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