Policy Expert Home Insurance Reviews - policyexpert.co.uk
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“Great value no nonsense insurance”
written by JT1954 on 07/06/2023
Policy expert was not the cheapest home insurance I found,but the package of contents and buildings cover was excellent value for money. The website for purchasing the cover is simple and easy to,with no bells and whistles just to make everything look pretty and selecting exactly the right deal was good Have used this company before and will be the first I look at in the future
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“after reviewing the rest Policy Expert is the best”
written by omalone on 07/06/2023
I have had many different Household insurance companies in the past, but no other company (in my opinion) can match the Policy Expert for clear wording on their documents, and they are easy to contact, dose what it says on the tin.
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“Excellent policy value for money”
written by KARENCASKIE on 07/06/2023
Went online and found this policy last year and when up for renewal this year was still good value for money so I decided to renew. Not had to make any claims but I think that it will be quick and easy to go forward from what I have seen if I do need to make a claim. Thanks.easy to follow directions on website and when renewing it was automatic and so i did not need to do anything. Saves time for a working person with a dependent.
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“POLICY EXPERT ARE THE BEST”
written by 201Taylor on 07/06/2023
I have insured my home through Policy Expert for several years. I have always found them honest and helpful. I was widowed three years ago and needed extra help and advice which they again were extremely helpful with. Thank you so much I really appreciate it.
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“Best price every time”
written by BridgetB1 on 07/06/2023
Have thankfully not had to claim yet but have now renewed several times with Policy Expert and they always get me the best price and most complete cover. Very happy with the service so far and will recommend to others.
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“If Carlsberg made insurance it would be call Policy...”
written by Myahe159 on 07/06/2023
Policy expert offer comprehensive clear insurance at a reasonable price, probably better than the majority. Their app is really easy to use, view and amend and their renewal quotes are acceptable as opposed to other providers that take your eyes out. Thankfully I haven’t had to claim yet but I’m confident that if I do it would be straightforward.I like how they communicate with simple instructions and they n a timely fashion to prevent risk.
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“Wasted no titme”
written by 96Lopez on 07/06/2023
I was offered a renewal with Policy Expert and decided to check comparison website for better deals. I did not find anything too much better so I called Policy Expert and asked if they can lower the price. After a few minutes, they agreed to lower it to a level I was very happy with. Most companies don't budge but Policy Expert was able to work with me to get the business. I call it a win-win for both. Thank you Policy Expert 5*
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“Good Price Renewal”
written by Addisyn495 on 07/06/2023
Was surprised renewal price wasn't as horrendous as i had presumed
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“Need to listen ”
written by Kgfsefgg334 on 07/06/2023
After putting policy price up over £10 per month I have cancelled but still getting demands to pay????
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“home insurance”
written by jonsahatter on 07/06/2023
fantastic easy to use service very good value for money
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“Awesome Service”
written by HowardKnight on 07/06/2023
Can't fault the service we have received from Policy Expert and the price was very reasonable.
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“Great!”
written by snRalston1976 on 07/06/2023
Policy Expert were efficient and prices were competitive. Everything was explained clearly, so you knew exactly what you were purchasing.
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“Great value for money”
written by on 06/06/2023
This is my third year with Policy Expert. The policy is great cover and untouched on price by any other insurance company. Would recommend to all
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“What, if any, other steps have you taken to try and...”
written by JurisL on 06/06/2023
What, if any, other steps have you taken to try and resolve the matter? (e.g. made a complaint to the Financial Ombudsman Service or a claim to the Financial Services Compensation Scheme)
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“Easy and simple”
written by MarkD78 on 06/06/2023
Bought building and contents insurance a year ago. Cost effective and easy to get in touch with. I usually look for better deals year on year but this year O just let the insurance renew itself as I am happy with the cost, service and cover.
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“Really easy to navigate and sort cover, and to...”
written by Moodyhc390 on 06/06/2023
Really easy to navigate and sort cover, and to manipulate options to see the effect on price. We’ve used them for several years and never had a problem
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“Great Service”
written by Jobe18 on 06/06/2023
Have been with policy Expert for a couple of years, price is competitive so i have stayed. On the occasions i have contacted customer services, they have been very helpful and resolved any issue/request. Always friendly and polite great to deal with. luckily i have not had to claim so i cant comment on that experience but I would definitely recommend using this company.
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“Home insurance ”
written by xrMcDonough327 on 06/06/2023
After receiving my renewal was going to cancel as I found a cheaper quote online the lady I spoke to was very helpful & eventually after a small adjustment my quote was cheaper than last year very happy customer if all your staff give the same level of customer service you’ve got a winning team
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“Great value, great customer experience”
written by Raelynn13 on 06/06/2023
Been using Policy Expert for insurance over the last couple of years, it's easy to purchase and great customer service. The on-line offer is perfect for me, I don't want to waste time on the phone and it means I can access the service 24/7.
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“Great value insurance ”
written by Mel50101 on 05/06/2023
Easy insurance to set up on line and good value. I have renewed this insurance twice and have had it for three years. Good value compared to others. Would recommend to family and friends.
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3346davids
Written on: 07/06/2023
Policy Experts are brokers & use several Company Underwriters & select the one most suitable to your circumstances.
Asked by
Shorty2step
on 24th September 2022
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Can anyone please advise how easy the process is to claim as that will be the real test of how good the company is? Many thanks.
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Answers (9)
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CARLTONNOBLET
Written on: 27/09/2022
Download the Trinity Claims Customer Portal, enter your details as requested and password. You will then be able to type messages and submit photos and receive replies quickly in the portal.
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LovelyLibrarian
Written on: 27/09/2022
I claimed when I lost my very expensive, complex lens glasses and was very happy with the ease of claiming.
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kmpe
Written on: 27/09/2022
Easy to put in the first part of the claim but the problem thereafter is that you have to use an online portal. You never speak to a human being after that - all via an online portal which needs a code each time you message them. We had a tree hit the house - rang up and given a case number. The surveyor came out fairly quickly . We were not told that we needed to get quotes prior to the surveyor which would have helped. You have to upload the quotes online. the most annoying thing is that each time you upload a message you get an automatic reply stating that look at the FAQ on the insurers website. there are no FAQ! I raised a complaint about the auto message - then able to speak to someone! Takes about 10 days to get paid. If you can't use an online portal you are snookered!
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alan_davies69
Written on: 27/09/2022
Claimed due to a break in. Initial phone enquiry was quickly and efficiently addressed, then further activity was via the online portal, which worked fine; easy to upload required documentation, communicate via messages (promptly responded to) and check status of our claim. No problems with the claim, quickly and satisfactorily resolved. The online process is well designed and straightforward to use. Have since renewed my policy - and was gratified to find that my premium has not been inflated as a result of my claim.
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Hagus
Written on: 28/09/2022
I can't answer the questions as I have not had to make a claim.
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Ashok007
Written on: 28/09/2022
I have never claimed, I have bean fortunate in this matter. That said if you log into your account it explains clearly what you must do to claim. Frome my experience I belive the advisory service will be just as good as they always are.
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Belass
Written on: 28/09/2022
It was very easy. Just phone up and you will be given an accessor and that will be your only contact.
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CatherineAnnB
Written on: 28/09/2022
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Once I got used to Trinity Portal, it was relatively simple. Loss adjuster came out promptly, followed up by phone call giving pricing. A further visit ensued to check the damage and throughout everything about process was explained in language I understood. In the end I did not go through with my claim as I felt that it should be the third party's liability, but this in no way reflected the service I got.
Asked by
crazykp
on 21st September 2022
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I do not want to renew my policy and I do not want to speak to anyone (chat was no good) I just want to not have it renewed. What do I need to do?
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Answers (19)
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Davesee
Written on: 22/09/2022
To cancel contract, Email or post as well as phone according to the Product summary
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Cazann
Written on: 22/09/2022
See if you can cancel online if not, write or email to say you want to cancel also add your reference/policy number.
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greglee
Written on: 22/09/2022
Stop bank payment and email them if its on a renewenal thats automatic.
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JAWBone
Written on: 22/09/2022
You can e-mail them via their website (by filling in an online form). Otherwise send a letter by Royal Mail Signed For (formerly known as Recorded Delivery).
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Gedupnorth
Written on: 23/09/2022
I seem to remember I had to phone I couldn’t find another option.
They looked to see if they could compete with new quote,
there was no hard sell to stay with policy expert
I would use them again if a competitive quote
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wildfirejc
Written on: 23/09/2022
If you haven't switched autorenewal on, (this you can find out from your account ) just let it run to the end date. Your new ins will take over by then anyway.
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AndreaMoose
Written on: 23/09/2022
From my previous experience, you will receive a policy renewal email about a month before your renewal date, on there will be information how to contact them online, you can also access your policy documents via their website and I assume you can change the automatic renewal settings on your account. Hope this helps.
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mmmhdonut
Written on: 23/09/2022
You could cancel your direct debit. You'll get reminders that there is an issue and your policy will be cancelled. But it would be better to call them, even if it is an absolute pain. Also check their website, as there may be an option to cancel auto-renew.
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vangellis0
Written on: 23/09/2022
When my policy was due for renewal with this company i was sent a invitation to renew if i did nothing it would be automatedly renewed but it had the option to cancel which you click on it takes you to the renewal web page they ask the reason i told them to expensive and that was that now go with saga you get the option with them to opt out of auto renewal which should be banned
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Ashok007
Written on: 23/09/2022
First of all, I am very sorry you feel you had a bad experience chatting on the phone. This is contrary to all my experiences with Policy Expert. I have been with them for some 5years+ now.
I would urge you to give them one more chance as I feel you got an experience which was not normal. The renewal quote is always more than last year but if you speak to them they are always able to lower it to a similar price as the previous year in most occasions. I do my due diligence and do a comparison on the comparison sites and know what the market rate is for the insurance. With this information, you can negotiate the price down. If you do not do this you are effectively getting a bad deal and throwing money away. I belive the new rules mean the must give the same discounts they give to new customers.
That said if you truly wish to leave you can call them up and say so, or visit your online account page, or just e-mail them. You can simply just cancel the direct debit and they will write to you saying your insurance will not be renewed unless you fix the DD issue.
Again, I would urge you to call them, maybe log a complaint about your last call and give them a chance to rectify any issues you have.
All the best
Ashok
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sassyfrass
Written on: 23/09/2022
I would agree with the comments below - cancel online if possible or e-mail in quoting ref/policy number and inform them you do not wish to renew. I would also cancel the direct debit/auto renewal with your bank to ensure they are unable to access the funds.
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wallyb789
Written on: 23/09/2022
I honestly don't know. You certainly need to inform them, preferably in writing (email or letter) but you also need a statement from them, confirming you have settled up to date and giving details of your no-claims bonus earned etc.
Wally Barnett
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Bob53
Written on: 23/09/2022
You should be able to cancel your renewal on their website
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Toproofus
Written on: 23/09/2022
Just cancel, I did as sometimes we just can’t be bothered getting a new quote and after I did it was daft more inclusive and £50 cheaper!
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crazykp
Written on: 23/09/2022
Thanks for the replies. E-mailed and the auto renewal has been cancelled. Thanks again
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Guzzibear
Written on: 23/09/2022
Send them an email stating that you do not wish to renew your policy. If you have a Direct Debit set up cancel it with your bank and they won't be able to take the payment.
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Pwarr1
Written on: 24/09/2022
As before there are various methods of contact available to you and I would be confident Policy Expert will deal with this professionally. As an extra insurance you can cancel the method of payment therefore making your policy null and void at renewal.
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paul sanderson
Written on: 24/09/2022
All companies do this autorenewal which is sooooo annoying.
I understand that it safeguards the customer by ensuring continued cover but its a pain to cancel. Some let you do it online if you can access your policy online. Some by chat but most force you to ring them often using numbers that cost you to ring. Search the net for alternative free to call numbers.
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LovelyLibrarian
Written on: 27/09/2022
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Best thing is to ensure you've specified that you don't want your policy to auto renew, before it gets to the renewal date. Having said that, they still rangvto remind me that my policy was due for renewal. I complained about this as it was a hassle I didn't want.
Asked by
georgemansel-green
on 25th October 2021
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Has anyone giving 5 stars ever made a claim?
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Answers (21)
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sjcsystems
Written on: 26/10/2021
Hello, I'm pleased to say I haven't. My rating is based on their customer service, and honestly their price.
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ImSparticus
Written on: 27/10/2021
Hello I have not had cause for a claim.. My review is based on the price and extra cover i.e. legal protection they always seem eager to keep my business. etc..
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ImSparticus
Written on: 27/10/2021
My review is based on not had cause for a claim, it is based on their price and the extras they seem to give away to keep your business..
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ImSparticus
Written on: 27/10/2021
My review is based on not had cause for a claim, it is based on their price and the extras they seem to give away to keep your business..
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LovelyLibrarian
Written on: 27/10/2021
Yes, I made a claim about 3 years ago that I thought would be difficult to resolve, but the staff were really helpful and processed my claim without query. I'd lost a pair of glasses (I have a complex prescription, so they cost £650) and of course couldn't prove that they were actually missing.
I've stayed with them ever since, and still find their insurance to be very competitive. Of course, my premium went up a bit the following year, but that always happens.
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CravenA
Written on: 27/10/2021
Yes, I have. A garden wall collapsed. Weather conditions (windspeed that night) did not meet criteria for storm damage so initially the claim was rejected. I did not accept this and argued my case. The Policy Expert team listened, responded positively, and after a couple of weeks discussion by email and phone they agreed to cover the cost of a rebuild.
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alandavies69
Written on: 27/10/2021
Yes I have, on my home insurance policy after a break in. I'm pleased to say the claims process was extremely efficient, after the initial phone call to register the claim (which was courteously handled) I was quickly provided with a link to the claims portal where I could recieve and send messages relating to my claim and upload all documentary evidence relating to damage caused and items taken. I found this process worked really well; messages and questions I submitted were acknowledged and answered promptly. I could track the status of my claim throughout and was provided with regular updates on what was happening. Involvement of third party valuers was co-ordinated really well and the whole process was smooth and far quicker than I expected, with a satisfactory offer being received and the claim settled within a couple of weeks. Being able to submit documentation and photos via the portal undoubtedly helped with this. Given the very reasonable cost of the policy when purchased, I have to say my experience with this claim was far more positive than I initially expected.
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Gwavasphil
Written on: 27/10/2021
Yes I have. The policy we purchased was very competitively priced so when we had a major fire I was a little concerned how it would work out but I need not have worried. Customer service was excellent once you got past their portal based system and when we had a major claim advisor apponted it all went smoothly. I don’t know what the total cost was but it could have been circa £100000. Much of the smaller jobs I arranged myself but the major works were handledL by the company..
I have just read back what I said about not needing to worry………it took six of the most stressful months of my life to get our house back to a good condition but I have to praise the company overall
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dannihull1190
Written on: 27/10/2021
no I'm really sorry, the customer service was great but i have not had to make a claim
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Scottiepete
Written on: 27/10/2021
I claimed on my free boiler breakdown a couple of yrs ago
No probs guy came next morning only reported afternoon before
Fixed free. No problem
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Nick2kil
Written on: 27/10/2021
Must say I haven't had to make a claim .. the customer service was excellent though.
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SE0256
Written on: 28/10/2021
hi YES I made a claim last year ( 2020) on building insurance. the Assessor came out to the property ( I thought I would only get a part payment as the rest could be classed at ware and tare ) but got the full amount paid this was handled quickly and efficiently by the ins assessor . although policy expert could not find the claim on there records and were unhelpful , even though i started the claim off with Policy expert there paper trace was not good as this claim got lost in there office but the Assessor for the insurance co the davies-group.com,sorted it out from start to finish
thanks
Sheffield
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gazandroy
Written on: 28/10/2021
I have not. I have based 5 Stars on price T&Cs and service. I would imagine that if you have to make a claim then they will be as harsh as any other company. Let's hope that we won't need to find out.
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greglee
Written on: 28/10/2021
No i have not had to make a claim but feel if i ever had to they will do the best possible to sort all issues out.
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grumpygoat
Written on: 28/10/2021
Yes we have. Was very impressive. Assessor was soon here and there was a speedy resolution of the problem.
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Doreen64
Written on: 30/10/2021
I have never had to make a claim since taking the Policy out. I am sorry I cannot be more help to you.
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Getawaydriver
Written on: 23/09/2022
Been with them since 2014 and this year my polivy costs £4 less than 2014.
Never made a claim on any house insurance in 40 yrs
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ravigor2
Written on: 23/09/2022
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No I had very difficult time and never recomad there legal cover.
Useless my life ruined due to disability but legal team never took interest and kick me like footy.
Premium yes they want regular.
No from me useless waste of mpneu
Asked by
Mramji78
on 2nd September 2021
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I have just purchased the policy expert home emergency plus cover. Does anyone have any experience with it and has anyone used it yet?
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Answers (10)
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greglee
Written on: 03/09/2021
So far not had any issues to use this yet from them ,i know if i had to there helpful and will sort any issues out .
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Margaretxyz
Written on: 03/09/2021
I haven't needed to use it but they've always been helpful with any queries I've had. I also requested hard copy of my documents and they were very quick to mail them.
Sorry I can't really help.
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grumpygoat
Written on: 03/09/2021
Yes we had to use it last year after a roof leak and water damaged the bedroom wall. They responded speedily with emergency tiler and an assessor to estimate the damage. Agreed a repair cost and cheque received promptly. Was very impressed with the service.
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Ed_Haddon
Written on: 03/09/2021
I had no hot water and rang for help.
They had a boiler engineer out the next day it was sorted.
Happy with the service.
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Nickwim
Written on: 03/09/2021
Hi Not had to use them yet but heard lots of good feedback which is why i chose them so I'm sure they'd be helpful if i did. Fingers crossed you won't need to use them for a claim!
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Phillyn
Written on: 04/09/2021
I have used them and found them to provide a very good service.
Hope this helps you.
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Madster
Written on: 04/09/2021
My sister used home emergency 2 month into policy for boiler issue. They were fantastic. Looked after her and her husband who has alzimers. Been with them 3 year now. Great, always get home emergency with your policy for peace of mind.
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steveweitzel
Written on: 26/10/2021
Yes. I used it when water started dripping from ceiling in upstairs hallway. I rang them and a plumber came around in 4 hours and fixed faulty ball valve in water tank in loft.
Very happy and no hassle or excess to pay.
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ImSparticus
Written on: 27/10/2021
My review is based on not had cause for a claim, it is based on their price and the extras they seem to give away to keep your business..
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MK54
Written on: 05/02/2023
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Horrendous experience with their home emergency people a couple of years ago. No Plumbing in the toilet for the best part of a week, eventually had to call a local Plumber in who came in the following morning and fixed it in ten minutes.
The following year they declined on a Gas emergency due to something in their small print.
I wouldn't count on them .
Asked by
Lolskie
on 15th February 2019
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Has anyone actually had to claim on their insurance with Policy Expert and if so, how did you find their service?
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Answers (7)
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PrincessPat
Written on: 18/02/2019
Yes, I had to claim for treatment in South Africa for an infected insect bite. They made it very difficult to claim, sending claim forms by email, that I had to print, complete, scan, and email back, with all my receipts and treatment paperwork. I returned the email with 10 attachments! They even said they wanted a 3 page report from my GP to assure themselves that the treatment wasn’t for a pre-existing condition. I had to ring & say that I was only claiming £160, £110 after removal of the £50 excess. And that a GP report would probably cost more than I was claiming, and that I thought they were trying to dissuade me from claiming. After I spoke to a supervisor, they agreed to take my claim without a GP report. The claim was then paid within 7 days. But the aggro and the phone calls and all the emailing of paperwork were time consuming & annoying.
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gauntlet
Written on: 18/02/2019
No insurance company is going to pay out without rigorous checks and necessary evidence. People over the years have made fraudulent claims and attempted to cheat the system. Hence the considerable paperwork! They are obliged to work to certain standards...... just check the small print to check your cover!
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Marypom
Written on: 18/02/2019
No, I have never had to claim but I feel very confident that a claim would be handled efficiently.
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Guilloumes
Written on: 18/02/2019
I never had to claim but if they are as helpful as their customer service was when I renewed, it shouldn’t be a problem.
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shornoff
Written on: 19/02/2019
Yes. We had a small leak from the shower into the kitchen ceiling. Didn't realise it was bad until it eventually started dripping through the ceiling.
We got a plumber in to sort the shower and a builder to replace the kitchen ceiling. Estimate was £250. Not worth claiming for.
Shower was sorted for £100 but once ceiling was removed in kitchen: disasyer. Joist rotten and broke. Needed fungal treatment and new joists. Yikes! Cost over £1000
Claimed on the insurance. They said we didn't qualify for multiple reasons. I'm insured with John Lewis this year.
Avoid Policy Expert they are cheap but not cheerful.
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khanpi
Written on: 19/02/2019
Yes I woke up in the middle of the night to find water coming through my bedroom ceiling - we had had heavy winds and very hard rain. Roofer came and said tiles were loose/dislodged. When I rang them to claim, they said they checked the weather and wind chart for my area for that day and the winds were not high enough so they refused to pay. I promptly cancelled my policy. They were rude and very unhelpful.
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welshpet
Written on: 04/09/2021
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I have and found that their service was excellent.
Asked by
Garry168
on 27th November 2016
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When making a phone call to the company about a possible claim is it on a normal rate or premium rate?
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sharpeyes47
Written on: 01/12/2016
I have never made a claim but googled the number and got this:
0330 numbers - UK-wide geographic numbers Many organisations use 03 numbers as an alternative to more expensive 08 numbers.
How much do calls cost? Calls cost no more than calls to geographic numbers (01 or 02) and must be included in inclusive minutes and discount schemes in the same way.
Calls from landlines are typically charged between 2p and 10p per minute; calls from mobiles typically cost between 10p and 40p per minute.
Calls from landlines and mobiles are included in free call packages
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jon131
Written on: 01/12/2016
If I find out that I am going to have to pay for a telephone call to a conmpany, I visit the website 'Say no to 0870.COM' to see if there is a freephone number.
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fbiarchie
Written on: 02/12/2016
I am not able to tell you as I have never made a claim.
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Fingers177
Written on: 05/12/2016
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Sorry. Never made a claim and now with a different insurance company
Asked by
KatLac1234
on 3rd November 2016
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Has anyone claimed for their key cover? If so how did it go?
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Nancyv1961
Written on: 08/11/2016
Although I have this policy, I have not claimed. Sorry I'm not much help.
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Fingers177
Written on: 09/11/2016
During the period I had this policy I didn't have the need to make a claim.
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jelcat1
Written on: 10/11/2016
Fortunately I haven't had to claim, sorry I couldn't be more help.
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Marlcliffe
Written on: 12/11/2016
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I too have this policy but have not had any reason to claim for which I am thankful. so sorry unable to help with this question
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Kdrury
Written on: 11/07/2015
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Claims are handled by Trinity Claims (insurance adjuster) in Tonbridge. Contact details and claims procedure are detailed in the Policy Wording, which you can download after you've set up your policy. But I've not had to claim in practice, so can't comment on the efficiency or attitude of this claims handling company.
Asked by
ForbesLindsay
on 18th November 2014
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Does anyone know if Policy Expert PRA and FCA authorised?
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Doriss
Written on: 19/11/2014
Not sure what you mean by PCA? Property Care Association? This is for contractors, not insurers isn't it? However, a quick look at their website shows that they are, as they are required to be in the UK, "Authorised and regulated by the Financial Conduct Authority (FCA)".
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rossmarland
Written on: 19/11/2014
Yes they are...policy expert is actually Qmetric Ltd....they are FCA registered...look at the small print at the very bottom of the homepage... Ross
Asked by
billbobuck
on 10th October 2014
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How secure is this company? Is there any cover if this company went under?
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kenhill47
Written on: 13/10/2014
Hi, I have dealt with them on several occasions and found them very good to deal with. However, policy expert are only agents, they are not the insurance company, in my case I have my policy placed with the Co-Operative ins, previously I was with AXA Ins, so they actually find you the insurance company at competitive prices, hope this helps
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MisterGPC
Written on: 13/10/2014
Insurance companies in the UK can't go bust and leave consumers without protection, if they did go bust you're covered under the FSCS, the same scheme that covers your savings should your bank become insolvent. So, even if they did, you'd still be protected.
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Ronnie2
Written on: 13/10/2014
Glade to see some answers here as I would not have known the answer. I have had the house insured with them for 3 years now and their premiums were very good. They have always answered my questions accurately.
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MARKWILSON5
Written on: 22/10/2014
Well their claims department have a record of building up a company then flogging it off, they then resurface as trinity and start to catch claimants the best way they can. Don't worry about the inbetween man. (PE) find out who they have insured you with make sure they have accepted your cover and pray you do not need to claim. I' m sure by now you have the sense to realise that all the good sarred reviews on this site are from people who have yet to make a claim and have been prompted to the site by the sales person.
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MARKWILSON5
Written on: 11/11/2014
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Safe as houses, BUT YOU ONLY SPEND YOUR MONEY WITH THEM.... Your insured with other companies and MY GOD I hope you do not have to make a claim, no chance. RUN A MILE, EVEN GO DIRECT TO THE INSURANCE COMPANY BUT DO NOT. I REPEAT, DO NOT DEAL WITH THIS COMPANY.
Asked by
jollymathew
on 13th September 2014
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I noticed in their terms and condition that the property is not covered if the house is unoccupied. But it does not mention for how long. Does anyone know how long it can be unoccupied for?
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crystal1951
Written on: 15/09/2014
Hi there, I do believe it's 30 days or more for your house to be unoccupied, it doesn't apply to me so didn't take a lot of notice but I'm sure that's what it is, I hope this helps.
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Reng
Written on: 15/09/2014
I would think this covered holidays I personally would never leave my property for any length of time in the present times with the escation of break ins it's common sense all round on this one
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MisterGPC
Written on: 15/09/2014
I only have the old terms and conditions and it was 28 days, so 4 weeks, however, you may get it cheaper if you can guarantee that the house is never going to be unoccupied for more than 2 weeks in a row.
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iamthelaw
Written on: 15/09/2014
From my last T+CS I saw, it was over 28 days when you need to notify them, or if you have it up for sale.
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Skipper341
Written on: 15/09/2014
I also think it is 28 days but a quick phone call would sort it.
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Micky2
Written on: 15/09/2014
The details are indeed contained within the terms: -
Section 1 - Buildings: under paragraphs 3 & 4 'Exclusions' sub paras. b states "loss or damage whilst the Buildings are Unoccupied for 30 days or more"
Section 2 - Contents: under paragraphs 3 & 4 'Exclusions' sub paras. b states "loss or damage whilst the Buildings are Unoccupied for 30 days or more"
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cronk13
Written on: 16/09/2014
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I am not sure if all their policies are the same but mine is with PRIMO and the max period of unoccupancy they will cover is 45days- I called to check- hope this helps
Asked by
dcl1971
on 28th June 2014
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Has any policy holder made a claim with this company and if so what was your experience re making the claim?
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Answers (11)
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Din0
Written on: 30/06/2014
I had to make a claim this year due to storm damage and they were first class.
We had only been with them a year so we felt bad having to make the claim but they could not have been more helpful and were fast in getting someone out to access the damage and indeed in settling the claim.
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sparx1
Written on: 30/06/2014
Policy Expert is the worst insurance company I have ever dealt with. After a theft from my property they would not settle the claim due to the items not being in view at the time. Needless to say I did not renew with them and would not recommend them. I now insure with the NFU.
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snoopyfan
Written on: 30/06/2014
I lost a stone out of my engagement ring - which was fortunately covered by my home insurance - the entire process from start to finish was handled efficiently and promptly
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kenhill47
Written on: 30/06/2014
I made a claim earlier in the year due to storm damage, they are the most unhelpful company I have ever encountered. They would not cover half of the claim, but covered me for Damage to my shed roof (£80 ) of which I had to pay an excess, and have had my premium increased because of the claim, so in fact I am worse off now by claiming against my policy. This has been only my second claim in about 15 years, once with a previous company, which I had clean forgotten about some years earlier, Policy expert were keen to point out this oversight on my part of not informing them and told me that it was being referred as to whether they would pay me out or not because of this. Be wary of this company
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alant4
Written on: 30/06/2014
We have had two claims. One for lost/stolen bag containing Tablet and cash, the other for damaged glasses. Both claims were dealt with efficiently over the telephone. As soon as we sent receipts the first claim was settled immediately, the second took another telephone call, they apologized and settled within a week. Needless to say our renewal premium went up considerably, but still better than their competitors.
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basrees
Written on: 01/07/2014
I had to make a claim within two weeks of taking out this policy. The service was excellent and the claim was settled with a credit direct to my Bank Account within 14 days
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colcab
Written on: 03/07/2014
I have had a recent claim for a kitchen sink that shattered. Policy Expert could not have been more helpful to sort out the claim. It was settled and money in my Bank account in a matter of days. I would highly recommend.
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tarmactel
Written on: 18/07/2014
I made a claim and they settled quite quickly apart from my excess, which I had to chase them for repeatedly. The excess was due as my wall was damaged by a vehicle and the driver's insurance met the claim. My insurance was a 2 year deal, with no increase in premium for the second year providing no claims were made. Guess what happened at renewal? They tried to increase my premium significantly and said it was because I had made a claim! They seemed to conveniently forget that the driver's insurers had met the claim! After much arguing I got them to see sense, but only after giving them a bad review on this site - thank you Review Centre! They then promised me some M&S vouchers as compensation for the hassle, but they didn't arrive and they blamed M&S. It took many weeks and a number of phone calls before I eventually got the vouchers. I won't be using them again unless they offer me a very good renewal quote!
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MARKWILSON5
Written on: 31/08/2014
When you make a claim you will be dealt with by a specialist company called Trinity M this firm will treat you like a criminal, tell you lies about your contract, try to get you to use their pet trades person and ask for monies up front to obtain an estimate. If you do not use their trades people they deduct monies from your account to pay for the estimate they obtained. RUBBISH.RUBBISH.RUBBISH.
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MARKWILSON5
Written on: 22/10/2014
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Phone calls not returned, sent from 1 department to another, left hanging on the phone, NOTE the claims line is not a free call. Eventually the service was so bad and in my opinion fraudulent that I had to forget the claim and get the work done at my expense.
I am now fighting the company and have reported them to the Ombudsman, guess what, your correct, they apologies and say this is not our normal service BUT HAVE STILL NOT PAID ME OUT
Asked by
Dashers734
on 22nd January 2014
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I took my Home Insurance Contents and Building out with Policy Expert on 1st Otcober 2013, with the promise of a £25 M&S voucher which I have yet to receive. Could you please advise my of the current position?
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Answers (2)
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MARKWILSON5
Written on: 31/08/2014
Took me 4 months to get my voucher, they the sent £20 instead of £25 I contacted them on their premium rate phone line (NOTE the only time you can get through on a normal phone line is when you are buying a product)Fter another 6 weeks they sent me the other £5. SHOP AROUND DONT FALL FOR THIS COMPANIES CLAIMS OF BEING GOOD THEY ARE RUBBISH
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maskability
Written on: 25/09/2014
Well if that's al you have to worry about I wouldn't bother. This happens quite often with all sort so deals ie:-
If you refer someone to a company, they promise vouchers or cash for the both of you. I would prefer a better deal to start with rather than unfulfilled promises.
I got £50 vouchers for M & S when I joined SKY, butthe deal was terrible, and I bought a mass of thick winter tights, never wore them either, as nothing else in the shop was needed or wanted.
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