Policy Expert Bronze Home Insurance

Policy Expert have an online claims process, allowing you to resolve simple claims without fuss, and a UK-based service team are on hand if you have any questions. All of their policy documents are written in plain English, and you’re able to tailor your cover to your own needs.

Buildings & Contents Cover

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.

Buildings cover

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 select the cover which best suits your property. As well as the building itself, your outbuildings and garages will be covered for loss or damage, and you will be covered (the limit is dependent on your cover) for finding the source of a leak, alternative accommodation and replacing locks and keys for external doors and windows.

Contents cover

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.

With Policy Expert’s different products, you can choose the level of cover that suits you best. All of their contents cover includes (up to a level which depends on your chosen product) pedal cycles, money and personal liability.

Optional Extras

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.

As part of their 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. With legal expenses cover you’ll receive advice from trained advisers and partner solicitors should you need help with legal disputes.

Policy Expert also offer key cover, with 24/7 protection and support and the cost of replacing your keys/calling out locksmiths covered. Finally, for your possessions, you can also purchase additional cover for bicycles and accidental damage.