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Buy Policy Expert Home Insurance and they’ll fix your premium for two years, meaning it’ll stay at the same price when it comes to renewal at the end of the first 12 months. Their panel consists of carefully selected national insurers who are chosen for their levels of cover, value for money and claims service.
They allow you to compare home insurance options for buildings, contents or combined policies to ensure you get the best quality policy for the best value. Whether you’re looking for a combined insurance policy or separate buildings or contents cover, they offer flexible financial protection options which will not see you paying any hidden extras or excessive fees.
Get homeowners insurance quotes in less than five minutes and buy safe in the knowledge that your five star-rated policy has been independently reviewed by Defaqto. What’s more, they have UK-based customer service and claims teams. You can get cheap home insurance cover by signing up to TopCashback and taking advantage of our Policy Expert home insurance cashback deals before getting an online quote to switch.
If you need buildings and contents insurance, you’ll save money when buying them together in a single, combined house insurance policy instead of taking out separate cover. Insurers offer the best terms to homeowners who buy combined home and contents insurance, while it’ll also make things a whole lot easier for you should you need to make a claim.
You can be sure of receiving a good minimum level of cover as standard as Policy Expert only work with respected providers, while if you need to tailor a policy with optional extras, their broker status — as well as their flexible approach — means they can ensure your property and possessions are suitably protected against theft, loss or damage to your specific needs at a price which suits you.Their insurance comparison table will help you choose the combined buildings and content cover level which best suits you. You can reduce your home insurance cost with our Policy Expert discount code and cashback offers.
If you’re buying a house, your mortgage company will often make it a requirement that you have adequate home buildings insurance, which will cover a property should it be damaged by a domestic disaster such as subsidence, fire, flood or break-in.
With Policy Expert, you can compare buildings insurance quotes from many of the leading insurers in the country, including some which are exclusive to them. With their standard cover, homes of most sizes and construction types are covered up to a rebuild value of £1 million.
As well as the building itself, outbuildings such as garden sheds and garages are also covered as standard with Policy Expert insurance, while their Trace & Access feature means that as well as fixing any damage, their insurers will also help to diagnose the root cause of the problem.They offer accidental damage cover for such things as mains services and fixed bathroom fittings, while they will provide you with alternative accommodation cover for you and your family in the event your home becomes uninhabitable.
If any of your personal possessions are stolen, lost or damaged due to events like a flood, fire or break-in, contents insurance will cover them.
Policy Expert’s flexible range of options means you can add various optional extras, such as bicycle cover, away from home cover and legal expenses, to your standard premium to provide you with the level of protection you need for your treasured possessions and household essentials. Standard policies will provide cover for any typical household contents you keep in your home and will allow you to choose your amount, up to £100,000.
Accidental damage cover will protect items like mirrors against mishaps, while some policies will also cover electrical items such as your TV, desktop PCs and games consoles. If your home is deemed uninhabitable, meanwhile, you’ll be provided with alternative living accommodation — even if you don’t have buildings insurance with them.
Your home contents and any high-risk items you may have will be covered as standard, with limits ranging from £10,000 to £30,000. You can cover individual items worth up to £15,000, while there’s no need for you to specify items worth less than £2,000. Take out contents insurance through us as save with our Policy Expert cashback deals.
You can tailor Policy Expert standard home insurance policies to meet your specific needs thanks to a range of cover options which will provide added protection for the year.
With home emergency cover, they will aim to get an approved tradesperson with you within two hours to help you with instances such as your boiler breaking down, leaving you without hot water.Add legal expenses cover and you’ll receive advice from trained advisers and partner solicitors should you need help with legal disputes, while key cover offers 24/7 protection and support, and will pay for the cost of replacing your keys and any locksmith callout charges.
If you’re an active type, you can extend your contents insurance to include bicycles away from the home with cycle cover, while extended bicycle cover will provide worldwide protection.For extra peace of mind in the event of mishaps, you can opt for accidental damage cover, which can be added to buildings or contents insurance and will replace or repair items which are damaged as the result of an accident, while personal items you take out with you, including gadgets such as tablets, mobile phones and digital cameras, as well as jewellery, watches and glasses, will be covered thanks to their away from home protection.
Cashback is only available to UK residents.
Cashback is only paid where your most recent quote was generated through a link provided via a cashback website. You will not receive cashback if you retrieve and purchase a quote generated via a different channel e.g. a price comparison website.
Cashback payments are subject to a 90-day validation period. If your policy is cancelled within 90-days of your policy start date you will not qualify for cashback.
Cashback will not be paid in conjunction with any other offer.
Policies purchased via TopCashback compare are not eligible for cashback direct from Policy Expert. This is provided by TopCashback.
The amount of cashback you receive is determined by when a quotation is generated and not when the policy is purchased. For example, if you generate a quote on 1st January when the cashback rate is £40 and purchase on 15th January when the cashback rate is £30 you will receive £40 cashback. Similarly, if you generate a quote on 1st January when the cashback rate is £30 and purchase on 15th January when the cashback rate is £40 you will receive £30 cashback.
To qualify for cashback you must be a new customer and have not been insured with Policy Expert within the last 5-years.
To qualify for cashback you must purchase a combined buildings & contents policy. Buildings only or contents only policies do not qualify for cashback.
Cashback must be redeemed within 13-months of the policy purchase date.
Quotes from Policy Expert are valid for 30 days. If you don’t purchase in this time, you will need to click the link above again and take out a new quote
To qualify for the higher rate of cashback you must purchase a combined buildings & contents policy and upgrade to the paid version of legal and home emergency cover.
All transactions will initially track at £0.00 cashback. Transactions with uplift on validation of the policy.
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Not to be used in conjunction with any other offer.
The cashback awarded for your purchase is based on the amount displayed on the date you generate a quotation.
About Policy Expert Home Insurance
Customers save an average of £75 when they switch the UK's #1 Rated Home Insurer - Policy Expert. You’ll also receive free legal and home emergency cover for 12-months with the option to upgrade to the paid versions of these policies which provide more comprehensive cover.