Polly review
Updated September 30, 2026 · AssureCue Editorial Team · Facts checked September 30, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Polly suits people in the UK who want life, critical illness and income protection cover bought through a broker and paid monthly, with support by phone, email and a help centre. It is a broker authorised by the Financial Conduct Authority, and cover starts at £5.
Key facts
- Best for
- Monthly UK protection cover bought through a broker, starting at £5.
- Premium from
- £5 (Source, checked September 30, 2026)
- Insurance types
- Life, Critical-illness, Income-protection (Source, checked September 30, 2026)
- Provider type
- Broker (Source, checked September 30, 2026)
- Monthly payments
- Yes (Source, checked September 30, 2026)
- Legal entity
- Clark Insurance UK Ltd (Source, checked September 30, 2026)
- Headquarters
- United Kingdom (Source, checked September 30, 2026)
- Founded
- 2015 (Source, checked September 30, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 30, 2026)
- Pricing model
- Monthly
- Official website
- polly.co.uk
Apps and profiles
- Elsewhere
- TrustpilotXfacebook.com
Pros and cons
Pros
- Cover starts at £5, with life, critical illness and income protection all listed under life, critical illness and income protection.
- Monthly payments are available, and the monthly model means the premium is set monthly rather than as a lump sum.
- Support runs on phone, email and help centre, so you can reach a person by phone as well as in writing.
- As a broker authorised by the Financial Conduct Authority under 603273, the firm sits inside a regulated structure.
- It is registered with the Information Commissioner's Office under Z3488836.
Cons
- The starting figure of £5 is a starting point, and the premium depends on the cover you select from life, critical illness and income protection.
- Only a monthly model is listed under monthly, so there is no lump sum or annual payment option here.
- Support is limited to phone, email and help centre, with no live chat channel among them.
- It is a broker rather than the insurer itself, so the contract sits with a provider Polly places you with.
Who it suits
- People in the UK buying life, critical illness or income protection through a monthly plan
- Anyone who prefers a low starting premium and can adjust cover later
- Readers who want phone and written support rather than app only self service
Who should look elsewhere
- Allianz Malaysia, if you want a wider range of lines including auto, motorcycle and home under one insurer
- Oney Préstamos, whose starting figure of €1,000 sits in a completely different product range
- Linxea, if a starting figure of €25 and a different market suit your plans better
What cover costs
Polly sets life cover from £5, which is the entry point rather than a price every customer pays. The figure reflects a young, healthy applicant at the lowest cover level, so the premium you are quoted depends on your age, the amount of cover and any health information you give. The way you pay matters as much as the amount. The listed monthly model is monthly, and monthly payments are available, so a single payment is not required to start. That suits readers who would rather set a small standing amount aside than fund a lump sum. There is a second reason to read the starting figure carefully. £5 covers life insurance only, and the same broker also arranges critical illness and income protection listed under life, critical illness and income protection. Each of those is priced on its own terms, so a critical illness plan or an income protection plan will carry a different premium from the life figure quoted here.
Safety and regulation
Polly is a broker, which means it does not carry risk on its own balance sheet. It places you with an insurer and is paid for the placement, and its Financial Conduct Authority authorisation, 603273, is what subjects that arrangement to UK rules on how a policy is sold. That matters when money is involved. Because Polly is authorised rather than operating outside the system, the products it offers have to meet conduct standards set by the regulator, and the firm is subject to supervision. The second registration, with the Information Commissioner's Office under Z3488836, points to the other side of the picture, namely how the firm handles the personal data you give it while applying for cover. Support is available on phone, email and help centre, so a claim or a policy question can be raised by phone as well as in writing. Note that as a broker, the policy contract itself sits with the insurer named on your documents, so claims run through that insurer while Polly handles the sale.
Regulation
Polly holds two UK registrations. The first is with the Financial Conduct Authority, listed as 603273, which is the authorisation a firm needs to sell and administer insurance products in the UK. The second is with the Information Commissioner's Office, listed as Z3488836, and it covers the handling of personal data during an application. The firm's status matters for how you read the product. Polly is a broker, so it is not the insurer and the policy is issued by a separate provider. Being authorised means the conduct of that sale, including the information you are given and the way a policy is set up, falls under the regulator's rules. No protection scheme is named here, so do not read the authorisation itself as a guarantee fund. What the Financial Conduct Authority registration confirms is that the firm is permitted to operate and is supervised, not that any particular claim will be paid.
Who runs it
Polly is operated by Clark Insurance UK Ltd, which is the legal entity named in its terms. Its headquarters are in the United Kingdom, so the operation is based in the United Kingdom, and it was founded in 2015. The company behind the brand is Clark Insurance UK Ltd, and it holds a Financial Conduct Authority authorisation, 603273, alongside registration with the Information Commissioner's Office, Z3488836. Both are UK regulators. When you need help, support runs on phone, email and help centre. In practice that means a phone line, an email route and a help centre, which is a reasonable spread for questions about premiums, underwriting or a claim in progress. The operation is a broker, so the contract you hold is with the insurer named on your policy documents, and Clark Insurance UK Ltd acts for that insurer in placing the cover.
How Polly compares
8.9 vs 8.6
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.0
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 8.9A different product and a different market. Linxea starts at €25, so the entry figure sits well away from Polly's £5.
8.9 vs 8.9
8.9 vs 8.9
8.9 vs 9.3- 8.9 vs 9.3
8.9 vs 9.3Max Life Insurance
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2- 8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.9
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.6- 8.9 vs 8.4
- 8.9 vs 8.2
Protegetuviaje
Allianz Travel Insurance Hong Kong
Tune Protect Thailand
Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Bezpieczny.pl
mtu24
Where Polly is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (603273), checked September 30, 2026
- Licence in United Kingdom
- Information Commissioner's Office (Z3488836), checked September 30, 2026
Countries from the brand (Source, checked September 30, 2026)
Frequently asked questions
How much does cover cost at Polly?+
Life cover starts at £5. That is the entry figure for the lowest cover level, and the premium you are actually quoted depends on your age, the amount of cover and your health answers. A critical illness or income protection plan is priced separately from the life figure.
Can I pay for Polly cover monthly?+
Yes. Monthly payments are available, and the listed monthly model is monthly, so the premium is set as a standing amount rather than a single payment. If you would rather settle the cover in one go, the monthly model listed here is the only one shown.
What kinds of insurance does Polly offer?+
Polly covers life, critical illness and income protection, so life, critical illness and income protection sit under one broker. That means one application conversation can cover a family, though each type of policy is priced and underwritten on its own terms.
Who regulates Polly?+
Polly is authorised by the Financial Conduct Authority, listed as 603273, and registered with the Information Commissioner's Office as Z3488836. Polly is a broker, so the policy itself is issued by a separate insurer named on your documents.
What does it mean that Polly is a broker?+
As a broker, Polly does not carry the risk of your policy. It works with insurers to place your cover and is paid for that placement, and the Financial Conduct Authority authorisation 603273 covers the conduct of those sales.
How do I get help after I have cover?+
Support runs on phone, email and help centre, which covers a phone line, email and a help centre. A claim is handled by the insurer named on your policy documents, while Polly deals with the sale and can answer questions about the policy itself.
Who is behind the Polly brand?+
The brand is operated by Clark Insurance UK Ltd, a firm based in the United Kingdom and founded in 2015. Its terms set out the same entity, and it carries the Financial Conduct Authority authorisation 603273.
Is Polly a UK service?+
Yes. The operation is based in the United Kingdom, and both of its registrations are UK ones, with the Financial Conduct Authority and the Information Commissioner's Office. The price and cover are therefore set for the UK market rather than for an overseas customer.
Sources
- polly.co.uk checked September 30, 2026
Backs: Founded, Insurance types
“Since launching in 2015 over 1 million customers have come to us for advice”
- polly.co.uk/life-insurance checked September 30, 2026
Backs: Pricing model, Monthly payments, Premium from
“You pay a monthly premium to be covered”
- polly.co.uk/support checked September 30, 2026
Backs: Support channels
“Our expert advisors are on call to answer any questions 0808 175 4747 ... hello@polly.co.uk”
- polly.co.uk/terms checked September 30, 2026
Backs: Provider type, Headquarters, Legal entity, Licences
“Polly.co.uk is a site operated by Clark Insurance UK Ltd (We). ... We are an Insurance Broker regulated by the Financial Conduct Authority (FCA) with reference 603273.”
Compiled from 4 source pages, checked September 30, 2026. We did not open an account.