Policy Expert is a legitimate, FCA-regulated UK insurance provider offering home and car insurance directly to consumers. It has built a strong Trustpilot presence and consistent customer satisfaction scores since 2010. There are no major red flags, though as with any insurer, policy exclusions and claims handling merit close scrutiny before purchase.
Policy Expert is a trading name of QMetric Group Limited, a UK-based insurance business incorporated in 2010 and headquartered in London. The company is fully authorised and regulated by the Financial Conduct Authority, giving UK consumers the protection of the Financial Ombudsman Service and FSCS compensation scheme. It operates as a direct insurer and data-driven platform, offering home (buildings and contents) and car insurance policies. Its long trading history and regulatory standing establish it as a credible, legitimate provider.
Policy Expert's standout strength is its customer satisfaction record — consistently ranked among the highest-rated UK insurers on Trustpilot, with tens of thousands of verified reviews. The direct-to-consumer model avoids third-party broker fees, which can make pricing competitive. However, like most insurers, some customers have reported difficulties at the claims stage, particularly around exclusion clauses for subsidence, accidental damage, and flooding. Auto-renewal is enabled by default, which is standard industry practice but worth flagging given the FCA's focus on consumer harm from price walking.
UK consumers should read the policy schedule carefully before purchasing, paying particular attention to excesses, exclusions, and what is and is not covered as standard versus optional add-on. Use the FCA Register to verify the firm's authorisation before buying. If you have a complaint that Policy Expert cannot resolve, you have a statutory right to refer it to the Financial Ombudsman Service free of charge. Overall, Policy Expert is a sound choice for UK home insurance shoppers — just do your homework on the fine print.