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Polly review

Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026

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Our verdict

Polly suits UK households who want life, critical illness or income protection set up under a single monthly premium, and it works as a broker rather than an insurer. Premiums start at £5, a lower entry figure than the alternatives listed here.

Key facts

Best for
Monthly-paid life, critical illness and income protection arranged through a regulated broker, starting at £5.
Premium from
£5↗
Insurance types
Life, Critical-illness, Income-protection↗
Provider type
Broker↗
Monthly payments
Yes↗
Legal entity
Clark Insurance UK Ltd↗
Headquarters
United Kingdom↗
Founded
2015↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Monthly
Official website
polly.co.uk

Facts checked September 30, 2026, 4 sources

Apps and profiles

Elsewhere
TrustpilotXfacebook.com

Pros and cons

Pros

  • Premiums start at £5 and monthly payments are available, so protection can begin with a small recurring outlay.
  • The range covers life, critical illness and income protection, which reaches dependants and income rather than the travel cover listed by bunq Spain as travel.
  • Two register entries back the firm: the Financial Conduct Authority authorisation 603273 and Information Commissioner's Office registration Z3488836.
  • Help runs on phone, email and help centre, so a policy question can go to a person rather than waiting on a form.

Cons

  • Broker status under broker means the cover is underwritten by another provider, so the contract and the claims decision sit outside Polly.
  • monthly payments are the only model on offer, so there is no annual single premium route for anyone who prefers to settle the cost once.
  • The range stops at life, critical illness and income protection, so households wanting home, motor or travel cover must look at bunq Spain and its travel.
  • Support is limited to phone, email and help centre, so there is no live chat or in-branch counter for a question about an existing policy.

Ready to try Polly?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Households in the UK who want life, critical illness and income protection handled under a single monthly premium.
  • People who would rather a broker shop the market than accept a single insurer's product.
  • Adults with a mortgage or dependants who want cover starting at £5 rather than a large one-off payment.

Who should look elsewhere

  • Anyone after home, motor or travel cover, since life, critical illness and income protection does not reach those and bunq Spain lists travel.
  • People after a different starting price point: Linxea lists €25, well above Polly's £5.
  • Anyone comparing borrowing rather than protection, since Oney Préstamos lists €1,000 in the loans market.

Regulation and registers

Polly operates as a broker, which is what broker records, so the firm arranges cover rather than carrying the risk on its own balance sheet. The register entry that matters most for anyone handling a premium is the Financial Conduct Authority authorisation, 603273, which sets the conduct rules the firm has to follow when it recommends a policy. The second register is the Information Commissioner's Office, Z3488836, which covers how the firm handles personal data through the application. Neither entry is a promise about the product itself, so the wording of the policy document still carries more weight for a claim than the brand name does. Readers who want certainty before applying can look up both numbers on the regulators' public registers and compare them with the details given here.

Safety of your money

Start from what broker tells you. A broker places a policy with an insurer, so the contract sits with the provider named on the schedule rather than with Polly, and the decision on a claim belongs to that provider. The supervision around the arrangement is the Financial Conduct Authority, 603273, which authorises and regulates the firm, while Z3488836 covers its data handling. Because cover can be placed across providers, the practical step is to check who the underwriter is before accepting, since that name decides who pays and how quickly. Keep the policy reference with the monthly payment details, because a small recurring amount is easy to set up and the useful information sits in the schedule.

Price signals

Premiums run from £5, and monthly payments are the model, so the cost is spread across the months rather than settled in a single payment. Monthly payments are available, which suits a household covering a mortgage or a dependant without a large one-off outlay. That entry point is what separates Polly from the alternatives on this page: Linxea lists €25 and Oney Préstamos lists €1,000, both higher starting figures in their own markets. Two points follow. The figure above is a starting price rather than a quote for a particular person, and because monthly payments recur, the same amount leaves the account every month until the policy ends or is cancelled. A reader weighing cost should therefore compare the recurring figure, not only the entry premium.

Who runs it

The contracting company is Clark Insurance UK Ltd, and the headquarters sit in the United Kingdom, so the whole arrangement is UK based. The firm was founded in 2015, which gives it some history in the market without making it a household name. Support runs on phone, email and help centre, so a question about an existing policy can go to a person on the phone, by email, or be answered in the help centre. The two register entries matter for anyone checking the firm rather than the marketing: the Financial Conduct Authority authorisation, 603273, and the Information Commissioner's Office registration, Z3488836. As broker, Polly sells policies designed and priced elsewhere, so the service team is handling someone else's product on your behalf.

How Polly compares

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

What does Polly do as an insurance broker?+

Polly is a broker, which is what broker records. That means it recommends and arranges policies underwritten by insurers rather than carrying the risk itself. The company behind the service is Clark Insurance UK Ltd, and the cover on offer runs to life, critical illness and income protection.

What is the cheapest cover on the service?+

Premiums start at £5 on a monthly basis, and monthly payments are available. That figure is a floor rather than a quote, so the price offered reflects the cover selected. It is low enough to make a small recurring payment instead of a large one-off sum.

Is Polly regulated in the UK?+

Yes. The Financial Conduct Authority authorisation is 603273, and the firm's data handling sits under Information Commissioner's Office registration, Z3488836. Both can be checked on the regulators' public registers before applying, which is the quickest way to confirm the firm matches its description.

Can I pay monthly instead of settling the premium in one go?+

monthly payments are the model on offer, and monthly payments are available, so there is no single annual premium to fund in advance. A recurring payment suits a household that would rather spread the cost across the year than commit a lump sum to cover.

Who handles a claim once the policy is in place?+

A broker places the policy with an insurer, so the underwriter named on the schedule is the party that pays a claim. Support runs on phone, email and help centre, so questions about an existing policy can go by phone, email or the help centre. Check the schedule early to see whose name sits on the cover.

What kinds of protection can I buy through Polly?+

The range is life, critical illness and income protection, so the focus is on dependants and income rather than possessions. For a trip, the comparison here lists travel through bunq Spain instead, which is a different kind of cover entirely.

How does the entry price compare with Linxea and Oney Préstamos?+

Polly starts at £5, Linxea lists €25 and Oney Préstamos lists €1,000. The figures come from different markets, so a low starting price on its own does not settle the choice. What each provider covers matters as much as the amount.

Who is Polly aimed at?+

The range in life, critical illness and income protection points to adults with dependants, a mortgage, or work where income would stop if illness struck. The monthly payment model and an entry premium of £5 suit households managing a monthly budget rather than businesses with a benefits package.

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.

Polly

Monthly-paid life, critical illness and income protection arranged through a regulated broker, starting at £5.

8.9/10See alternatives