Policy Expert home insurance

Learn more about Policy Expert home insurance

Last reviewed 04 July 2022

Why choose Policy Expert home insurance?

  • High cover levels for buildings and contents insurance
  • Enhanced benefits and optional extras
  • All repair work on your home guaranteed for 12 months as standard on all policies

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Who is Policy Expert home insurance?

Policy Expert was launched in 2011 as a trading name of QMetric to offer car and home insurance. It’s enjoyed rapid growth and now counts over 1 million car and home insurance customers across the UK. With a focus on cutting-edge digital technology, Policy Expert seeks to make it easy for people to understand, manage and buy insurance. Its team of dedicated insurance experts is available online, over the phone and via SMS. You get access to Policy Expert 24/7 every day of the year and the brand also allows you to make claims online. QMetric, which itself was launched in 2010, says it’s used technology to reduce overheads and therefore prices but promises it won’t sacrifice quality. The company has also put a strong emphasis on avoiding jargon – Policy Expert has been awarded the Crystal Mark by the Plain English campaign.

Policy Expert has won numerous awards over the years. For example, it was voted Home Insurance Provider of the Year at the Moneyfacts Consumer Awards 2021 and Innovator of the Year at the UK FinTech Awards 2021. It's also been rated as the Number 1 home insurer on Review Centre from 2013 to 2021. Policy Expert is headquartered in London and has a customer service centre in Milton Keynes.

Policy Expert home insurance policy details

Policy Expert offers a selection of home insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying home insurance, we recommend you check the cover and benefits included

Policy Expert offers three types of home insurance - buildings insurance, home contents insurance, or buildings and contents insurance combined. Buildings insurance covers you against damage and loss to your building, including outbuildings, exterior and interior walls, roofs and flooring. Contents insurance protects you against loss, damage or theft of your belongings.

Policy Expert offers three different levels of home insurance cover for combined building and contents, and stand alone buildings and contents – Bronze, Silver or Gold.

With Gold you get:

  • Buildings insurance for homes worth up to £1 million
  • Contents cover up to £100,000
  • £150,000 alternative accommodation cover if your home can't be lived in due to an insured event
  • Accidental damage to glass and sanitary fittings (including toilets and sinks)
  • Up to £1,000 to replace locks or keys in the event of theft or loss.
  • Cover for personal money of up to £1,000
  • In-and-away-from-home cover for credit cards of up to £1,000
  • Deep freezer contents cover, to £750
  • Outbuildings contents cover up to £5,000
  • Up to £1,000 for your garden contents
  • Bicycle cover within the boundaries of your property, up to £3,000
  • Business equipment cover, up to £5,000
  • £5 million of property owners liability cover, for personal injury or property damage caused to third parties.

With Silver you get:

  • Buildings insurance for homes worth up to £1 million
  • Contents cover up to £75,000
  • £100,000 of alternative accommodation cover if your home can't be lived in due to an insured event
  • Accidental damage to glass and sanitary fittings (including toilets and sinks)
  • Up to £500 to replace locks or keys in the event of theft or loss.
  • Cover for personal money of up to £250
  • In-and-away-from-home cover for credit cards of up to £1,000
  • Deep freezer contents cover, to £500
  • Outbuildings contents cover up to £2,500
  • Up to £350 for your garden contents
  • Bicycle cover within the boundaries of your property, up to £1,000
  • Business equipment cover, up to £1,000
  • £2 million of property owners liability cover, for personal injury or property damage linked to your home

With Bronze you get:

  • Buildings insurance for homes worth up to £600,00
  • Contents cover up to £60,000
  • £75,000 alternative accommodation cover if your home can't be lived in due to an insured event
  • Up to £300 to replace locks or keys if lost or stolen
  • Cover for personal money up to £250
  • In-and-away-from-home cover for credit cards of up to £1,000
  • Deep freezer contents cover, to £300
  • Business equipment cover, up to £500
  • £2 million of property owners liability cover, for personal injury or property damage in relation to your home that’s caused to third parties

Policy Expert’s Gold and Silver home insurance can give you particularly high levels of cover for buildings, at up to £1 million. However, the £600,000 of buildings cover you get with Bronze will still be more than enough for most people. It’s worth noting that Policy Expert will guarantee all repair work on your home for 12 months.

While they do vary, it’s also good to know that Policy Expert buildings insurance policies come with decent levels of alternative accommodation cover. So, you’ll have somewhere to stay should the worst happen, like fire or flood.

Total contents cover is £60,000 with Bronze, rising to £75,000 with Silver and £100,000 if you choose Gold.

Gold and Silver Policy Expert home contents insurance includes handy benefits such as contents cover for your outbuildings, garden and bicycle.

All Policy Expert’s home contents insurance comes with in-and-away-from-home cover for your credit cards of up to £1,000. For certain things like business equipment, you’ll find there’s a significantly higher level of cover if you choose Gold, which in this case allows you to claim up to £5,000.

Silver and Gold policyholders also get 12 months of free home emergency cover along with free legal assistance for the lifetime of the policy.

You should think about the level of cover you need from Policy Expert home insurance and what you want to be insured for so you select the most suitable product for you.

Policy Expert home insurance optional extras

Policy Expert home insurance lets you add on optional extras to suit your needs. This is particularly useful if you’re looking for specific cover. Policy Expert’s optional extras include:

  • Home emergency
  • Legal expenses
  • Key cover
  • Cycle cover
  • Accidental damage
  • Away from home

Home emergency covers you for various household emergencies, from burst pipes and boiler breakdown to insect infestations. Policy Expert aims to get a fully qualified tradesman to you within 2 hours.

Legal expenses includes protection of your legal rights as a homeowner for things like boundary or neighbour disputes and more. You get access to a helpline service with trained professionals.

Key cover gives you up to £1,500 for locksmith charges, replacement keys and locks, reprogramming immobilisers and travel costs as well as access to a 24/7 helpline.

Cycle cover allows you to tailor insurance to your needs and cover more expensive bicycles, including for when you’re away from home.

Accidental damage can cover you for things like spilling red wine on carpets or breaking a television screen.

Away from home can cover you for items worth less than £2,000 that you take outside your home.

Policy Expert home insurance contact details

You can contact Policy Expert customer services by phone on: 0330 0600 600

You can write to them at:

  • Policy Expert Home
  • Silbury Court West
  • 352-390 Silbury Boulevard
  • Milton Keynes
  • MK9 2AF

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