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Policy Expert Review

Review Policy Expert Car Insurance

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Policy Expert Review


Policy Expert Car Insurance

Policy Expert is a UK-based insurance company that specializes in home and car insurance. They are the number 1 rated home insurance provider in the UK, however they also offer other products such as car insurance, van insurance, travel insurance and pet insurance. Policy Expert has been very well received by reviewers on Trustpilot and Smart Money People, with ratings being consistently high across the major review sites. These positive reviews have stayed stable over time and seem to be a good indicator of the companies performance.

So what are the things you should know abut Expert Policy?

Who owns policy expert home insurance

Policy Expert is owned by QMetric Group Limited, a UK-based insurance technology company. QMetric Group Limited is a privately held company, and they are not traded on any stock exchange. The company’s founders are Steve Hardy, Kevin Chidwick, and Adam Powell.

Who underwrites Policy Expert?

Policy expert is underwritten by multiple insurers, these are the companies who will actually manage the policy you take out with Policy Expert.

  • Liverpool Victoria
  • Zurich
  • Ageas
  • AXA
  • Aviva
  • Direct Line
  • Churchill
  • NFU Mutual
  • LV=

These providers are reputable UK insurers and so Policy Experts panel can be considered to be of a high quality. If you are interested in learning more about who underwrites Policy Expert, you can contact Policy Expert customer service directly on 0330 0600 602 for a full list of the insurers that they work with.

What do people have to say about Policy Expert?

Policy Expert has been generally very well received by reviewers, with average ratings being over 4 stars. The main praises levelled at Policy Expert car insurance were the competitive prices as well as the ease of getting a policy.

Criticisms directed at Policy Expert car insurance mainly focused on issues resolving a claim as well as the duration of the claims process. There were also some criticisms around pricing however it is important to note that these complaints were in the minority and were not the norm.


Good value for money.

Rated 5 out of 5 stars

After my current insurance company increased the annual fee by £60 i found policy expert through a comparison site. They offered same cover for the same price as i payed the previous year with Direct line. Easy web site to put info in and no problems with payments or obtaining documents.”

Trustpilot Review: 30 June 2023

I am very pleased with the service…

Rated 5 out of 5 stars

“I am very pleased with the service provided. The key factor is good communication. I appreciate being kept appraised of my account and updates. Good service. 👍”

Trustpilot Review: 03 July 2023

Excellent overall package & service

Rated 5 out of 5 stars

The policy we selected included so many more options as standard. The price was extremely competitive, what’s not to like..

Trustpilot Review: 29 June 2023

No one cheaper

Rated 4 out of 5 stars

For the level of cover I had with you I could not find anyone substantially cheaper so I stayed with Policy Expert. The process was easy and your response was quick and your website is easy to navigate

Trustpilot Review: 15 June 2023


What are the levels of coverage does Policy Expert offer?

Policy expert has 3 levels of coverage available that come with differing levels of comprehensiveness as shown below.

Policy Expert has a solid coverage offering to suit most needs, naturally the more comprehensive the policy the more you can expect to pay. However Policy Expert has been praised for its competitive pricing by many reviewers… but is it the best option for you?

Comparing car insurance

Comparing car insurance is the best way of determining if an insurer is the cheapest option for you. This is because no insurer can offer everyone the best deal for their situation. This comes down largely to risk assessment and how risky the insurer believes offering you coverage will be. This will typically be assessed by key factors such as age, the make and model of your car as well as the level of coverage you choose.

Ultimately it is them you will be out of pocket if they need to pay out a claim after all.

Because of this is is hard to answer questions such as how much Policy Expert car insurance costs and if it is the cheapest option for you, as the this will vary from person to person.

So if you’re looking to see if Policy Expert is the cheapest car insurance option for you, then it helps to have other quotes to compare them against – That’s where we can help.

Quotezone has compiled a large panel of over 110 insurance providers, making it easier than ever for you to find cheaper car insurance fast.

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*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.