Policy Expert Insurance Review UK 2026: KT Score 65/100

Last reviewed: June 2026

About Policy Expert

Policy Expert is a trading name of QMetric Group Limited (FCA FRN 311523), a UK personal lines insurer founded in 2011. Policy Expert distributes car and home insurance through its own direct website at policyexpert.co.uk and through major UK comparison sites. The underlying policies are underwritten by RSA Insurance Group, one of the UK's largest and oldest insurance companies, providing strong financial backing.

Policy Expert's primary strength is home insurance, where it has consistently achieved Defaqto 5-star ratings and built a reputation for competitive pricing on comparison sites. Its car insurance offering is more recent and competes in a crowded comparison site market against more established motor brands.

RSA Underwriting: Financial Strength

RSA Insurance Group is the underwriting entity behind Policy Expert products. RSA was acquired by Intact Financial Corporation (Canada) and Tryg (Denmark) in 2021, following a contested takeover process. The combined Intact-Tryg group provides financial strength backing that supports RSA's UK insurance obligations. RSA's UK business continues to underwrite a broad range of personal and commercial lines through its own brands and through partners including Policy Expert.

For Policy Expert policyholders, the RSA underwriting relationship means claims are ultimately backed by RSA's balance sheet rather than QMetric's directly. This is a standard arrangement in the UK personal lines market where insurtech distributors partner with established underwriters. UK policyholders are also protected by the FSCS up to applicable limits regardless of the underwriter's financial position.

Products

Home Insurance: Policy Expert's Core Strength

Policy Expert's home insurance offering has consistently achieved Defaqto 5-star ratings for both buildings and contents cover. The combined buildings and contents policy includes accidental damage as standard on higher tiers, new-for-old contents replacement, and alternative accommodation cover. Policy Expert home insurance appears on all major comparison sites and has been competitively priced for standard UK property risks.

The home insurance FOS complaint data reflects the RSA underwriting entity, which has historically maintained a below-sector average uphold rate. This provides a stronger quality signal for home insurance than some comparison site competitors.

Competitors

Car vs Home: Different Competitive Positions

Policy Expert holds different competitive positions in car and home insurance. In home insurance, it is a recognised comparison site leader with strong Defaqto ratings and competitive pricing. In car insurance, it competes as a newer entrant against established brands with longer claims track records. Buyers considering Policy Expert for car insurance should note this distinction and review the most current Defaqto rating for the car product at point of purchase.

Policy Expert's Growth in Home Insurance

Policy Expert has grown rapidly in the UK home insurance market since its 2011 launch, achieving scale through comparison site distribution and competitive pricing backed by RSA's underwriting. The home insurance market is structurally different from motor: policyholders tend to renew less frequently and comparison site usage is lower than in motor, which has allowed Policy Expert to build loyalty through service quality alongside price. The RSA underwriting relationship provides financial stability that a smaller standalone insurer could not offer at the same premium levels.

Frequently Asked Questions

Is Policy Expert regulated by the FCA?

Yes. QMetric Group Limited trades as Policy Expert and holds FCA FRN 311523. It is authorised and regulated by the FCA. The FCA register can be verified at register.fca.org.uk. The underlying policies are underwritten by RSA Insurance.

Who underwrites Policy Expert insurance?

Policy Expert products are underwritten by RSA Insurance Group, one of the UK's largest insurers. RSA was acquired by Intact Financial Corporation and Tryg in 2021. QMetric Group (Policy Expert) is the distributor and FCA-authorised intermediary.

Is Policy Expert good for home insurance?

Policy Expert has consistently achieved Defaqto 5-star ratings for home insurance and has been competitively priced on comparison sites. Its home insurance is generally considered its strongest product relative to the market.

Does Policy Expert appear on comparison sites?

Yes. Policy Expert car and home insurance appears on major UK comparison sites including MoneySuperMarket, GoCompare and Compare the Market.

What happened to RSA Insurance?

RSA Insurance Group was acquired in 2021 by a consortium of Intact Financial Corporation (Canada) and Tryg (Denmark) following a contested takeover. RSA's UK operations continue under the RSA brand, underwriting personal and commercial lines including Policy Expert products.