Policy Expert car insurance is an award-winning digital home insurance brand in the UK that has created a fully integrated ecosystem that provides a ‘single customer view’ from acquisition through to claims. What is Policy Expert all about, its coverage, quotes, and policy Expert select car insurance reviews? All will be explained in this detailed piece. Journey with Us.
About Policy Expert Car Insurance
Policy Expert is a trading name of the QMetric Group and was launched in 2011 as a new kind of insurance company that puts people first and, at the same time, looks after them better. One that aims at building its tech and controlling the insurance faculty end to end to be able to offer lower prices for customers.
Policy Expert is authorized and regulated by the Financial Conduct Authority and is rated the number 1 home insurance provider in the UK on the independent review website Reviewcentre.com. Based on 43,000 customer reviews and a 96.5% recommendation rating.
Now trusted by over 1 million home and car insurance customers across the UK, Policy Expert was among the first UK insurance firms to introduce two-year fixed-rate premiums, as well as Plain English-accredited policies with no hidden fees.
Because it respects and values people’s differences and also welcomes them! Policy Expert has now been recognized as the number one employer in Milton Keynes based on reviews from past as well as present team members on Glassdoor.
It has since won numerous awards for its quality service rendering policy, as well as recently winning Home Insurance Provider of the Year 2021 from customer voting, Insurer Innovation of the Year 2021 (bronze), Number 1 rated home insurer, 2013–2021 ( Review Center), and many more.
What is the best use for Policy Expert vehicle insurance?
- Do you want a premium that is fixed for two years?
- Are you looking for a high-rated insurance business?
- Or you want comprehensive coverage with no hidden fees.
Additionally, policy experts in car insurance, as the name implies, are experts in the insurance business.
Policy Expert car insurance policy
The Policy Expert offers:
- Third-party
- Fire & theft
Plus, there are two other types of comprehensive car insurance coverage:
- Policy Expert
- Policy Expert Max
A comprehensive insurance policy, however, includes:
- Uninsured driver promise
- Courtesy car
- £10,000 personal accident
- Windscreen cover
- Unlimited audio (manufacturer fitted)
- Personal belongings
- Child car seat
A Policy Expert Max comprehensive insurance policy includes:
- Uninsured driver promise
- Courtesy car
- £10,000 personal accident
- Windscreen cover
- Unlimited audio (manufacturer fitted)
- Personal belongings
- Child car seat
- £100,000 legal assistance
- Uninsured losses: claim back excess, loss of earnings, and other out-of-pocket expensesÂ
- Breakdown cover includes nationwide recovery as well as cover at homeÂ
- Unlimited breakdown callouts
What Else Does Policy Expert Comprehensive Car Insurance Include?
Breakdown Assistance in the United Kingdom and Ireland
A Policy Expert Max policy includes breakdown coverage, and a basic policy can also add it as an optional extra. It is a nationwide recovery service that provides support 24 hours a day, 365 days a year and includes unlimited call-outs.
Coverage for personal injuries/accident
If the policyholder or their partner is murdered or seriously injured while traveling, entering, or exiting their car, or any other private vehicle, Policy Expert will pay up to £10,000.
Repairing a windshield
Both Policy Expert policies provide windscreen coverage.
Coverage for personal belongings
Both policies include personal belongings coverage.
Replacement of a child car seat
If it happens your car is involved in an accident, you will receive a replacement kid car seat of a similar model and standard. This stands even if the damage is not noticeable.
Driving in EU
Your car insurance policy will cover drivers driving in the EU. Regardless of who your policy’s insurer is, you’ll have at least 30 days of coverage. For some insurance firms though, you will get coverage for up to 180 days.
Coverage for Legal Expenses
the Insurance Expert Max policy includes legal expenses coverage of £100,000 and it is also available as an optional extra.
Promises for Uninsured Drivers
You will not lose your no-claims bonus or have to pay an excess if your car is hit by someone who is not insured.
Does Policy Expert Have Optional Extras?
Yes! And they are:
Person Accident Cover
This optional extra provides up to £30,000 per person in the case of limb loss, sight, speech, or hearing loss. Also, up to £30,000 per person in the event of permanent disability or death. A maximum payment of £240,000 per accident as well as £100 in the event of hospitalization (per 24 hours in the hospital).
Legal Assistance
This legal assistance optional extra provides up to £100,000 in legal expenses to protect your rights. Provides assistance in reclaiming car insurance policy excess. At the same time, it assists in resolving car rental, purchase, or sales issues. Also, it provides assistance in compensation for personal injury.
Key Cover
This optional extra provides up to £1500 of cover, 24/7 365 days emergency helpline. While also providing the cover for locksmith charges, replacement keys, and locks, reprogramming immobilizers, and travel costs.
Breakdown Cover
Policy Expert provides 24-hour assistance every day of the year breakdown coverage. Recovery of anywhere in the UK as well as unlimited call-outs.
Replacement Vehicle
This optional extra allows you to keep driving even if your car is written off, hire a car for up to 14 days, and have a 24/7 365-day helpline emergency.
Excess Protection
This optional extra allows you to claim back your excess following the settlement of a claim. Provides cover for accidental damage, vandalism, fire, flood, theft, and attempted theft. It also chooses from £350, £500 or £1000 of cover.
Policy Expert Car Insurance Reviews
Above all, is policy expert car insurance any good? If yes, then how good is policy expert car insurance?
Trustpilot: 4.7/5 stars
Accordingly, Policy Expert car insurance is rated by TrustPilot 4.7/5 based on 46,000 customer reviews.
Review center: 4.3/5 stars
The review center has given Policy Expert car insurance a rating of 4.3 out of 5 from 189 customer reviews. While 86 % of users also recommend
Defaqto: 4/5 stars
Policy Expert plus car insurance receives a rating of four stars by Defaqto, an independent financial research company.
Reviews.io: 4.5/5 stars
Reviews.io also rates Policy Expert car insurance 4.5 stars out of 5 in regard to 17,325 customer votes.
Policy Expert Reviews
Below are some of the reviews for policy experts.
Trustpilot: 4.8/5 stars
Trustpilot rate Policy Expert 4.8/5 from 48,979 customer reviews as a verified company. At the same time, there are recommendations from 96.5% of users across the UK
Defaqto: 5 stars
Policy Expert premium car insurance receives a rating of five stars from Defaqto, an independent financial research company.
Reviews.io: 4.7/5 stars
Reviews.io rate Policy Expert 4.72 stars out of 5 from 17,826 customer votes. Also, it has recommendations from 97% of reviewers
Review center: 4.7/5 stars
The review center has given Policy Expert a rating of 4.7 out of 5 From 44536 customer reviews. While 96.5 % of users also recommend this.
Who is underwriting Policy Expert car insurance?
Policy Expert is a trading name of the QMetric Group
Who is the QMetric Group?
QMetric Group Limited (QGL) is Policy Expert’s parent company. It is a new type of insurance company that brings together software design, insurance broking, and underwriting to give customers more flexibility over the insurance they chose.
How to make a payment
Generally, you can pay for your policy by credit card or debit card, or by premium finance (subject to acceptance by the lender).
Payments by card
After you have made a card payment, the policy expert payment service provider (PSP), the company that processes payments on their behalf, will keep a record of your credit card or debit card details so that the company can use these details at a later date, for example:
- To make a refund;
- Take payment for extra insurance products you buy from.
- To take payment following cancellation of your policy of any amount you owe.
- To also take payment for any changes made to your policy midterm
- Check your card is still valid for the next year’s payments at renewal; and
- To take payment for the renewal of your policy.
If changes are made to how your card details are used, accordingly, the details of these changes will be forwarded to you via email.
As a credit broker, policy expert insurance is registered with the Financial Conduct Authority. However, If you wish to pay your insurance premiums in monthly installments, they will act as your agent in assisting you in obtaining financing from a lender, subject to the lender’s approval of your loan application.
In this case, the policy expert will not charge you any fees or interest for this service but will get a commission from the lender. On the money you borrow, the lender will charge you interest. They may also charge you fees, which they describe in their agreement with you and included in the section below. However, if you choose premium finance to pay for your coverage in monthly installments. This means that the total cost of your coverage will be more than if you paid for it in full upfront.
The premium finance company will keep a record of your bank details.
Your first monthly payment may be different from the rest of your monthly payments. This is because the total amount you will pay cannot always be divided into equal monthly amounts.
If you miss any monthly payment, it might affect your credit rating, which may also mean it is difficult for you to get credit in the future.
If you do not keep up to date with your monthly payments, it will lead to the cancelation of your credit agreement. However, If this happened, you would need to pay for your insurance in one payment or cancel your policy.
How to renew your policy
If Policy Expert can continue to offer you insurance, before your policy expires, you will be notified via email, phone, or letter.
Your policy’s insurer does not guarantee to provide a renewal quote. If this is the case, Policy Expert will work with another insurer on their panel to get you coverage. If no other insurer can provide you with coverage, then you will get at least 14 days’ notice before your current policy expires.
However, If you did not renew your policy, it will end, and you will no longer have a cover.
Conclusion
Above all, Policy Expert car insurance is an award-winning digital home insurance brand in the UK that has created a fully integrated ecosystem that offers Low price car insurance, easy-to-understand policies, as well as stress-free claims, not leaving out receiving several reviews and recommendations
POLICY EXPERT INSURANCE FAQs
How do I contact Policy Expert?
How to make a complaint
- home-complaints@policyexpert.co.uk.
- 0330 0600 601.
- Customer Relations. Policy Expert Home. Silbury Court West. 352-390 Silbury Boulevard. Milton Keynes. MK9 2AF.
What do policy expert do?
We partner with trusted insurers and re-insurers to provide our customers with a wide choice of products for their insurance needs. Also, if a customer purchases a policy involving any company listed, we will pass their information to the partner so the policy can be fulfilled.
How do I cancel my Policy Expert policy?
In order to cancel your Policy Expert insurance policy, you must simply contact them by phone or email, or ask them directly in writing to “Customer Relations, Policy Expert, 352-390 Silbury Court West, Silbury Boulevard, Milton Keynes, MK9 2AF”. Email ask@policyexpert.co.uk and ask them to cancel your account.
Is Policy Expert still trading?
Our phone lines are still open during these hours and we’re operating business as usual. You can also contact us by live chat and email, or visit our help center where you’ll find answers to questions we frequently receive from customers.
