Policy Expert Posts Results For 2025: Growth Continues with GWP Up 6.5%

The latest financials from Policy Expert for you;

Policy Expert, one of the UK’s fastest growing personal lines insurers, has today announced strong results for the 12-month period ending 31 December 2025, reflecting continued growth across its core product lines and sustained investment in the business.

Gross Written Premium (GWP) rose to £485m, up 6.5% year-on-year, while underlying EBITDA increased by 13.2% to £62.4m. The business also continued to expand its customer base, with active policies across home, motor and pet lines growing 5.2% to more than 1.6 million. This growth is underpinned by strong customer satisfaction, reflected in Policy Expert’s ‘Excellent’ Trustpilot rating (4.5/5).

Policy Expert’s home insurance portfolio remained the cornerstone of the business, with more than 1.4 million active policies and gross written premium of £350m during the period. The portfolio delivered a best estimate loss ratio of 43%, continuing to outperform broader market benchmarks through disciplined underwriting and efficient claims management.

The company’s motor insurance business also delivered strong growth, reaching 211,000 policies in force, with gross written premium increasing to £131m.

Policy Expert continued to diversify its offering following the launch of its pet insurance proposition in 2024, which has already generated more than 20,000 policies and £3.7m in gross written premium.

The strong results come despite a challenging insurance market, with pricing conditions softening during 2025 following a period of significant rate increases. At the same time, unusually dry weather contributed to elevated subsidence and fire claims across parts of the market, highlighting the evolving risk landscape facing UK insurers. Despite this backdrop, Policy Expert maintained pricing discipline while continuing to grow its customer base and invest in its capabilities.

Steve Hardy, CEO of Policy Expert, said:

“This has been another important period of progress for Policy Expert. We have continued to grow our customer base, underpinned by a focus on outstanding customer service. This includes our ongoing commitment to our owned building firm and in-house contractor networks, a unique approach which helps reduce cost and repair times for policyholders. At the same time, as the insurance market evolves and climate volatility becomes the new norm, we have invested in technology and operations to better respond to these challenges and strengthen the resilience of our business.

“With a strong platform in place and a clear strategy for the years ahead, we remain focused on delivering sustainable growth.”

The Policy Expert Group remains jointly owned by Cinven and Platinum Ivy, providing the business with strong financial backing and strategic support as it continues to expand across the UK personal lines insurance market.