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‡Two-year fixed: our premium will be fixed for two years providing you haven't: 1. Reported a claim or loss in the first year or 2. Made any amendments to your cover level. Offer only available from selected insurers, on selected products, and may be withdrawn at any time. Not available on all cover levels. **Savings with Policy Expert: number of customers who reported savings when they switched their home insurance policies with Policy Expert, based on 1,499 survey responses carried out by QMetric Group Limited in January 2018. *Policy Expert is rated the number 1 home insurance provider in the UK on independent review website – Reviewcentre.com. Based on 17,607 customer reviews and a 95% recommendation rating, January 2018 †Refer a friend: for you and a friend to qualify for a £25 Amazon or M&S gift certificate, your friend must purchase a home or car insurance policy from Policy Expert. Vouchers are subject to a 90-day validation period, starting from the inception date of the policy. Neither of you will be eligible for a voucher if either policy is cancelled within 90 days of the inception date. Vouchers will not be payable if your friend currently holds or has previously held a policy with Policy Expert. The voucher will be sent to you within 21 days of the validation period lapsing. This offer cannot be used in conjunction with any other offer or promotion.