Policy Powerhouse

Last reviewed 28 July 2026 · Verification: public website pages fetched and read (no vendor contact)

At a glance

Entry price (GBP): Not published; Price last verified 28 July 2026
UK-based: Yes
Free trial: Not published

Vendor

www.policypowerhouse.com

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UK signals

The block no global directory publishes: whether the company trades in the UK, whether it bills in sterling, whether it charges VAT and issues a VAT invoice, when its support is actually open in UK time, and where the data sits. Every line is what the vendor publishes, or a record that it does not.

UK-based: YesSource
UK support hours: 9:00–17:00, Monday to Friday (telephone). The online quote platform is described as available 24/7.Source · Checked 28 July 2026
UK phone published: Email: hello@policypowerhouse.co.ukSource · Checked 28 July 2026
Quoted in GBP: Yes
Covers platform lettings (Airbnb-style): YesExplicit, with a dedicated Airbnb property insurance product. The holiday let page states: 'Yes, UK holiday lettings insurers can cover Airbnb properties, protecting you against accidental or malicious guest damage, liability claims, fire or water damage, and loss of rental income.'Source · Checked 28 July 2026
Eligibility restrictions: Not published
Policy conditions: Not published

Pricing

Verified against the vendor's own published page on 28 July 2026. Figures are reproduced as published — we do not convert currencies or estimate a total.

Pricing model: quote-only (individually rated insurance premium)
Pricing published: No — quote-only
Entry price (GBP): Not published
Quoted inclusive or exclusive of VAT: Not published
At 1 property: Not published
At 5 properties: Not published
At 20 properties: Not published
Booking fee: Not published
Setup fee: Not published
Minimum contract (months): Not published
Free plan: Not published
Price last verified: 28 July 2026Source

insurance premium per property/policy No premiums or price ranges are published. Price is returned by the self-serve quote platform.

What the cover includes

Public liability: Public liability cover up to £5 million
Employers liability: Employers' liability (for staff like cleaners or gardeners) — included; limit not published
Loss of rent or income: Loss of rental income following insured damage — included; limit not published
Buildings: Fire, water and storm damage — included
Contents: Free landlord's contents cover £10,000, with option to increase
Accidental damage: Optional extra
Malicious damage by guests: Malicious damage by tenants — optional extra
Legal expenses: Optional extra
Home emergency: Optional extra

Products listed

Products: Holiday let insurance, Holiday home insurance, Airbnb property insurance, Holiday let complexes / non-standard construction, Glamping complex insurance, Short-term let home insurance, Second home insurance
Also listed: Guest damage to property and optional contents, Free identity fraud cover up to £25,000, Cover during unoccupied periods between bookings

Getting a quote

Quote methods: 24/7 self-serve online quote platform, telephone, email
Instant online purchase: Yes
Quote page: https://qab.policypowerhouse.com
Stated by the provider: 'Quote to policy in minutes'

Company identity

Recorded from the vendor's own pages and, where a company number was findable, from Companies House.

Provider type: 'Policy Powerhouse Limited is an Appointed Representative of Innovative Risk Labs Ltd, under Firm Reference Number 946345. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155.'Source · Checked 28 July 2026
Legal entity: Policy Powerhouse LimitedSource · Checked 28 July 2026
Companies House number: Registered in England and Wales, Company No. 13071685Source · Checked 28 July 2026
FCA firm reference: 946345Appointed Representative FRN. Principal firm Innovative Risk Labs Ltd is FRN 609155.Source · Checked 28 July 2026
Founded: Not publishedNot published on the pages checked.Checked 28 July 2026
Head office: The Granary, Hermitage Court, Hermitage Lane, Maidstone, Kent ME16 9NTSource · Checked 28 July 2026
Country: United Kingdom
Underwriter: Not publishedNo underwriter named. The site refers only to working with 'highly rated insurers'.Source · Checked 28 July 2026

Our verdict

Policy Powerhouse is a Maidstone-based Appointed Representative — Policy Powerhouse Limited (13071685) trades under AR reference 946345, with Innovative Risk Labs Ltd (FRN 609155) as its FCA-authorised principal. That structure is worth knowing: the AR arranges, the principal carries the regulatory responsibility. Its distinguishing feature is distribution rather than cover: a 24/7 self-serve quote-and-bind platform promising 'quote to policy in minutes', which is rare in a category where most specialists still work by phone or callback. The published cover schedule is competitive and clearly laid out: public liability up to £5 million, employers' liability for cleaners and gardeners, loss of rental income after insured damage, fire, water and storm, plus £10,000 of landlord's contents and £25,000 of identity fraud cover included at no extra cost. Accidental damage, malicious damage by tenants, legal expenses and home emergency are optional extras rather than standard, so a like-for-like comparison needs those added in. Airbnb is addressed directly with its own product page, and the range extends to holiday let complexes, non-standard construction and glamping complexes — useful for operators declined elsewhere. No underwriter is named anywhere on the site, which is the main transparency gap. Phone support runs weekdays 9am–5pm; no premiums are published.

Written by The UK Holiday Let Software Directory editorial team. Nobody paid for this and nobody reviewed it before publication except us.

Third-party scores

Cited as text with the source and the date we pulled it. We do not mark these up as our own rating, and we publish no first-party reviews until we have real, verified users.

No third-party score was pulled for this listing. That is a gap in our record, not a judgement on the product.

How this listing was checked

Verification method: public website pages fetched and read (no vendor contact)
Verified: 28 July 2026
Last reviewed: 28 July 2026
Publisher relationship: none

Sources

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