Policy Expert

CaptainWales

I have been given a building and content home insurance with Policy Expert (Policy Expert Home Select) which is far cheaper than anybody else I have found and they include "extras" as standard e.g home assist, trace and access up to £5k etc.


Has anybody else used them before? Good or bad experiences? Seems a bit too good to be true.

ValiantSon

I had insurance with them years ago, but never made a claim so can't comment on service. The renewal quote, however, was ludicrous and they've always been stupidly expensive ever since.

smudger1964

I have been with them a few years never had to claim so cant say what they are like if you need them.But im not renewing this year as they are now more expensive for me this year.
I have gone to Hastings Direct this year as they are £20 cheaper and they threw in Accidental cover and the excess is only £75 as against Policy Expert which was £300

fatbelly

I went with them last summer. Not needed to claim yet but certainly cheap.

stator

Introductory discounts can be quite large compared to the cost of a home insurance policy. If a new broker or insurer has decided to try and expand their customer base they may have decided to pay £50 to get every new customer
So for example if your policy is normally £100 you only have to pay £50 in the first year and it seems like a bargain.
They've then got you on their database and can send you offers for years on more lucrative insurance products.

I remember Swinton did it a few years ago but they gave massive cashback deals and got a load of customers off money saving websites. Most people switched the year after as Swinton renewals were ridiculous but you'll still get junk mail for years later.

The_Real_Cheddar_Bob

I've been insured with them for the past year. Nothing to claim, but certainly satisfied the mortgage insurance requirement,

Whether they would pay out is another matter................................................

I can report they are good at taking the regular monthly monies. Other than that, its been a faceless experience

Lat

Hi, I have made a claim last April and still in dispute with them. If you haven't already, please seriously consider someone else and this goes out to everyone else considering Policy Expert.
Last April I had a leak in my shower upstairs and today I am still waiting for someone to come and replace my damaged tiles and laminate floor downstairs where the water leaked in to.
It is a very long story to go in to, but you will not be claiming from Policy Expert!
You will be passed on to a third party claims department called 'Trinity Claims'. They are absolutely the worse insurance company I have ever had to deal with. You will not be kept up to date with what is going on. Your phone calls or emails will be ignored.
Unfortunately I am still with them until March and I will never ever want to have anything to do with them again.
Do not be fooled by all the lovely reviews on the internet like trustpilot etc. When you actually call Policy Expert, they are nice and bend over backwards to get you to sign up with them.
Most people have had no experience making a claim!
Read other reviews from people who have made claims to see what they are really like.

AVOID POLICY EXPERT

robgoode

Lat wrote: »

Hi, I have made a claim last April and still in dispute with them. If you haven't already, please seriously consider someone else and this goes out to everyone else considering Policy Expert.
Last April I had a leak in my shower upstairs and today I am still waiting for someone to come and replace my damaged tiles and laminate floor downstairs where the water leaked in to.
It is a very long story to go in to, but you will not be claiming from Policy Expert!
You will be passed on to a third party claims department called 'Trinity Claims'. They are absolutely the worse insurance company I have ever had to deal with. You will not be kept up to date with what is going on. Your phone calls or emails will be ignored.
Unfortunately I am still with them until March and I will never ever want to have anything to do with them again.
Do not be fooled by all the lovely reviews on the internet like trustpilot etc. When you actually call Policy Expert, they are nice and bend over backwards to get you to sign up with them.
Most people have had no experience making a claim!
Read other reviews from people who have made claims to see what they are really like.

AVOID POLICY EXPERT

I'm currently looking at Policy Expert for my first buildings and contents insurer due to the decent price for full cover. Does anyone recommend any alternatives that have little hassle when processing an insurance claim if the worst was to happen?

Allen2502

Shocking service.
Home emergency not worth the paper it written on.
Leak in ceiling water pouring through. Turn off water. Ring emergency. Which pipe ? Where exactly is it leaking. I can't see. It's coming through the ceiling. Ok 8f you can't see we won t send. You need to wait. Ring your insurance tomorrow.
So if I cut down the ceiling and tell you which pipe you come out. Only if you can see. But that will only to stop the leak. Then you need ring insurance make claim. So no point us coming out.
Waste of bloody time.
Had previous leak a few years ago. Quite similar.
Rung that company. Turn off water plumber on way. He arrived. Cut a hole out. Located the leak. Fixed the leak. Said up to me how I repair the hole.
I was expecting a similar service. I was greatly dissapoinyed. No heating. No hot water. A wife and child in distress. A company that doesn't care

jacktheladsays

My buildings and contents insurance cover expires May 2019. Current provider Saga. Renewal quote £40 increase. Ran the MSE recommended price comparisons. Policy Expert came out cheapest. Was tempted but in their policy documents it says the insurance is arranged with QIC Europe a company registered in Malta. Hmm. Isn't Malta the EU country that sells Maltese citizenship and therefore an EU passport to those prepared to pay Euros plenty? Isn't Malta the country where the anti corruption journalist Caruana Galizia was killed by a car bomb in October 2017?
What's this got to do with money saving? Nothing of course but I've voted with my wallet and gone with the Halifax. After cashback it's £50 cheaper than the Saga renewal quote and only a few quid dearer than Policy Expert. Just hope that the Lloyds banking group are a bit more choosy where they do business with my money.

Benight

jacktheladsays wrote: »

...Hmm. Isn't Malta the EU country that sells Maltese citizenship and therefore an EU passport to those prepared to pay Euros plenty? Isn't Malta the country where the anti corruption journalist Caruana Galizia was killed by a car bomb in October 2017?
What's this got to do with money saving? Nothing of course ....

But, on the other hand, they do a gorgeous line in chocolate covered crispy balls . Nom, nom, nom.