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Car insurance

Car customers saved an average of £157 when they joined us*

Car insurance for people like you

The kind of car
insurance you want

Uninsured driver promise. No excess to pay, & your no-claims discount is protected if hit by an uninsured driver. (Silver & Gold cover only)

3 year guarantee on repairs when you use one of our approved repairers.

Three cover levels to suit your needs and budget.  

Prices you’ll like because we only insure low risk drivers.

A range of flexible add-ons available. (More info)

An online portal that lets you manage your policy 24/7.

Take your pick

Courtesy Car

(Subject to availability)

Cover whilst driving in Europe

(Up to 90 days per trip, unlimited number of trips)

Personal accident cover

£1,000

£5,000

£10,000

Audio and satnav equipment

Windscreen cover

Uninsured driver promise

(no excess to pay, & your no-claims discount is protected if hit by an uninsured driver)

Child seat cover

£100

Unlimited

Vandalism promise

Legal assistance cover

Roadside assistance breakdown cover

Policy wording

Our policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.

Policy wording

Create cover that suits you

Select exactly what you need and we’ll tailor the perfect policy for you.

Legal Assistance

Breakdown cover

Key cover

Replacement vehicle

Personal accident cover

Excess protection

Up to £100,000 towards legal expenses to defend your rights

Help with claiming back car insurance policy excess

Help with settling car hire, purchase or sales disputes

Compensation for a personal injury

Assistance with pot-hole damage, unenforceable parking fines and illegal clamping

Legal Assistance

Breakdown cover

Key cover

Replacement vehicle

Personal accident cover

Excess protection

People love what we do...

Value for money

I have been with Policy Expert for 4 years now for both my house and car insurance. I have compared prices of other insurance companies and Policy Expert always comes out cheaper.

Julie Sellars - 03/08/2025

Excellent service all round

They have made the process very easy as I was feeling stressed after the accident. The people I've been speaking to have been understanding and very patient with me in answering any questions I've had, arranging recovery of my vehicle and providing a replacement car for me to use. The process has been very quick with no bother and completely stress free.

JR - 04/08/2025

This is our second year with Policy Expert

This is our second year with Policy Expert, and after using them for our house insurance, we now also book our car insurance through them. Very happy.

Jamie - 06/08/2025

Straightforward & great price

Straightforward, easy process to insure my car. Good price for insurance also.

Bernie S - 05/09/2025