Features
Buy Policy Expert home insurance and they will fix the cost for two years, meaning it will stay at the same price when you come to renew 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, while they allow you to compare quotes to ensure you get the best quality policy for the best value.
Whether you are looking for a combined insurance policy or separate buildings or contents cover, they offer flexible 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, while you can save even more by signing up to TopCashback using the form below and taking advantage of our Policy Expert home insurance cashback deals.
If you need buildings and contents insurance, you will save money when buying them together in a single, combined policy instead of taking out separate cover. Insurers offer the best terms to homeowners who buy combined insurance, while it will 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 suitable protected against theft, loss or damage to your specific needs at a price which suits you.
If you are buying a house, your mortgage company will often make it a requirement that you have adequate buildings insurance, which will cover a property in the event of it being damaged by a domestic disaster such as subsidence or a 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 Policy Expert. 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 property itself, outbuildings such as sheds and garages are also covered as standard, 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 for you and your family in the event that you home becomes uninhabitable.
If any of your belongings 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 that you can add a number of 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 TVs, desktop PCs and games consoles.
If your home is deemed uninhabitable, meanwhile, you will be provided with alternative living accommodation - even if you do not have buildings insurance with them. Your valuables 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 will no need for you to specify items worth less than £2,000.
You can tailor Policy Expert's standard home insurance to meet your specific needs thanks to a range of cover options which will provide added protection.
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 and leaving you without hot water.
Add legal expenses cover and you will 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 are 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 items you take out with you, including gadgets such as tablets, smartphones and digital cameras, as well as jewellery, watches and glasses, will be covered thanks to their away from home protection.
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