Free
£0
Basic 60-second score
- ✓ Policy score 0–100
- ✓ Top exclusion red-flags
- ✓ Persona fit verdict
- ✓ No account required
Before you buy that policy
Miss Y is selling, not advising. See what she isn’t telling you.
Independent AI scoring for any UK insurance policy. Fifteen buyer personas. Every exclusion surfaced. No commissions, no affiliate links, no data sold.
62%UK mis-selling complaints upheld in 2022/23 — FOS data
Score a policy — free →No account needed · £2.99 for the deep report
The problem
Insurance brokers sell. They don’t advise.
UK brokers earn 10–25% commission on the policy you buy. Quote comparison sites optimise for the cheapest premium, not the best fit for you. The result: more than half of all UK mis-selling complaints reaching the Financial Ombudsman are upheld in the customer's favour. The wrong policy, sold convincingly, is a £500 problem at claim time.
62%
UK mis-selling complaints upheld (FOS 2022/23)
10–25%
Typical broker commission per policy sold
60 sec
What PolicyChecker takes to score a quote
Miss Y’s favourite tricks
Three things she won’t volunteer.
All compliant. All commission-friendly. None of them illegal. You just need to know they're in the script.
- 1.
“It’s comprehensive cover.”
Comprehensive sounds total. It isn’t. Every UK policy excludes things — wear and tear, accidental damage, certain perils, certain regions. We extract every exclusion and rank them by how likely you are to actually need them.
- 2.
“This one is perfect for you.”
Perfect for her commission, more likely. We score the policy against 15 distinct UK buyer personas — savings-led, safety-led, family protection, retiree, expat, self-employed. You see whose policy this actually is and where you fit best.
- 3.
“The excess is standard.”
Standard for whom? Page 11, clause 14 often hides a £500–£1,000 voluntary excess on the perils you’re most likely to claim. We surface every excess by line so you know the real out-of-pocket cost before you sign.
How it works
From quote to verdict in 60 seconds.
1
Paste the policy or upload the proposal
Take the policy name and your buying goal — or drop in the proposal PDF the broker sent. Sixty seconds, no account needed.
2
Pick a buyer persona — or compose your own
Fifteen UK personas with weighted goals. Or answer 5 questions in the Custom Composer and we’ll synthesise a persona that fits you.
3
Free basic score · £2.99 deep report
The free score is 60-second AI judgment. The deep report runs against 4 contrasting personas, surfaces every exclusion + excess, and recommends better-fit alternatives — without affiliate links.
15 buyer personas
A policy fits some people. It exposes others.
We score every policy against 15 distinct UK buyer profiles — each with weighted priorities across price, breadth of cover, family protection, legal-requirement compliance, savings goals, retiree needs and lifestyle risk. You see whose policy this actually is — and whether that's you.
The First-Time Driver
“Just passed — what's the cheapest legal cover?”
Newly licensed 17-24 year old, often on a telematics or Black-Box policy.
Generation Rent
“No mortgage, but my stuff matters”
Renter aged 25-34; no mortgage; contents and accidental-damage focus.
The First-Time Buyer
“My lender said I have to have it”
New homeowner satisfying mortgage-lender requirements for buildings cover.
The Cost-Minimiser
“Cheapest that ticks the box”
Price-driven buyer who wants compliant cover at the absolute lowest premium.
The Family Protector
“Whatever happens, my family is covered”
Parent or carer who prioritises comprehensive cover for dependants and the family home.
The Pragmatic Buyer
“Best cover I can get for the money”
Informed shopper who compares on value, reads the small print, and avoids upsells.
The Worrier
“I want the claim to actually pay out”
Anxiety-driven buyer who prioritises claims acceptance rates and clear policy wording.
The Empty Nester
“Kids gone, mortgage almost paid — restructuring”
Household of two 50-60 year olds downsizing their cover after children leave home.
The Pre-Retiree
“Locking in cover before retirement”
Age 60-68, fixed income ahead; wants long-term stability and no age-related exclusions.
The Landlord
“Rental property + loss-of-rent cover”
Buy-to-let landlord who needs landlord-specific buildings cover and rental income protection.
The Pet Parent
“My dog is family — full cover, no breed exclusions”
Owner of a dog or cat who wants lifetime vet-fees cover with no breed or chronic-condition carve-outs.
The Frequent Traveller
“Multi-trip, business use, winter sports — all of it”
Professional who travels 10+ times per year and needs comprehensive annual multi-trip cover.
The Digital-First Buyer
“App-only insurer, chat claims, no phone calls ever”
Tech-native buyer who demands a mobile app, instant online claims, and no telephone queues.
The Self-Employed
“Irregular income; business-use motor; my own health cover”
Freelancer or sole trader needing business-use motor, home-office contents, and income protection.
The Newly Married
“First joint policy, life cover for the first time”
Couple aged 25-35 combining finances for the first time and adding life cover to their portfolio.
+ Custom Composer
“Build me my own persona.”
Answer 5 questions and we synthesise a persona weighted for your exact goals. Available on the deep report.
£2.99 deep report
Five reads of the same policy.
The deep report scores the policy against your chosen persona plus four contrasting ones — picked automatically by cosine distance — so you see how the same policy lands for very different buyers. Every exclusion, every excess, every commission incentive surfaced.
Persona contrast
One full evaluation against your persona + 4 contrast scores. You see whether this policy is built for someone like you, or someone with very different priorities.
Exclusion red-flags
Every exclusion ranked by likelihood-of-need. The ones Miss Y forgot to mention move to the top.
Excess + small-print scan
Voluntary excess, compulsory excess, peril-specific excess — all listed together so you know the real out-of-pocket cost if you claim.
Better-alternative recommendations
When the policy doesn’t fit, we tell you what to look for in a better-fit alternative — without affiliate links, without commissions.
Pricing
Independent. Flat fee. No upsells.
Deep report
£2.99
Multi-persona analysis · PDF + email
- ✓ 5-way persona scoring (1 chosen + 4 contrast)
- ✓ Custom Composer (5-question persona builder)
- ✓ Every exclusion + excess surfaced
- ✓ Better-alternative recommendations
- ✓ PDF report + email
Trust
No commissions. No data sold. UK-hosted.
Independent
No broker licence. No affiliate links to insurers. No referral fees from anyone.
No data sold
Your policy and personal details are not sold, shared or sub-processed for marketing.
UK-hosted
AWS London region. Your data stays on UK soil under UK GDPR.
End-to-end encrypted
TLS in transit, AES-256 at rest. Magic-link login, optional TOTP 2FA.
FAQ
Questions people ask.
Are you independent? Do you sell my data?+
Yes, fully independent. We carry no broker licence, no commissions, no affiliate links to insurers, and we never sell your data. The point of PolicyChecker is to be the analysis your broker can’t be.
What policies can you score?+
UK consumer insurance — home (buildings + contents), motor, travel, pet, gadget. We do not score commercial or specialist policies (marine, professional indemnity, etc.) — those need a specialist broker.
How accurate is the AI scoring?+
The free basic score is a 60-second AI read — directional, not definitive. The deep £2.99 report runs 5 parallel AI evaluations against your chosen persona plus 4 contrasting personas, surfaces every exclusion + excess, and cites the clause it’s acting on. Use it alongside — not instead of — reading your policy document.
Why are you cheaper than a broker?+
Brokers earn commission on every policy sold — typically 10–25%. We charge a flat £2.99 once, get nothing from the insurer, and have no incentive to point you at one provider over another.
What if my policy is fine?+
Great — that’s a useful £2.99. Most reports come back with at least one exclusion the buyer hadn’t noticed and one clause that could surprise them at claim time. If yours doesn’t, you’ve bought peace of mind.
Who builds this?+
711 Web Services LLP, United Kingdom — the same team behind ClaimPilot.uk. UK-hosted on AWS London, end-to-end encrypted, GDPR-compliant.
Score the quote before you sign.
Free basic score. £2.99 for the full multi-persona breakdown. Independent, no commissions, no data sold.
Score a policy — free →