Whether you’re a new driver or well-experienced behind the wheel, having the right insurance policy is the best way to avoid splashing the cash if you end up in an accident.
The Post Office offer tailored car insurance for drivers both under and over 50. Within these policies, you can choose from three different levels of cover.
Who is the Post Office?
The Post Office was founded in 1984, and specialised in postal service. In 2014, the Post Office Money branch was created to offer financial services such as banking and insurance. They are now the largest financial services chain in the UK.
The Post Office aspires to provide customers with everything they may need in one place, for a great price.
Who underwrites Post Office car insurance?
Post Office Car insurance is administered by BISL Limited. It uses a panel of underwriters for thew policies, some of which include:
Ageas Insurance Limited
Axa Insurance Limited
Norwich Union
For full details on who underwrites your policy, make sure you read your Policy Schedule.
Third party cover is the most basic form of car insurance legally accepted on UK roads.
If you are involved in an accident, Post Office will pay out to the third party. However, you won’t be compensated for any damage done to your own vehicle.
It includes third party cover, fire and theft cover and pay out to repair or replace your car if it is damaged in an accident or suffers malicious damage.
Post Office Money’s car insurance policies
The Post Office offers two different car insurance options depending on the age of the driver. Check them out below:
Accidental damage, including windscreen and window repair
–
–
✓
New-for-old replacement if vehicle is less than 12 months old
–
✓
✓
Courtesy car
–
–
✓
Collection, repair and delivery of your car when you use recommended repairers
–
–
✓
Medical expenses
–
–
Up to £200
Personal belongings
–
–
Up to £100
Flood or storm damage
–
–
✓
Vandalism
–
–
✓
Cover benefits
Third Party
Third Party, Fire and Theft
Comprehensive
Unlimited cover to third party injuries
✓
✓
✓
£20m cover for damage to third party property
✓
✓
✓
Any injury caused to a passenger
✓
✓
✓
Overseas cover
✓
✓
✓
No claims discount
✓
✓
✓
Fire and theft cover
–
✓
✓
Audio/navigation equipment permanently fitted to the car
–
✓
✓
Windscreen repair
–
–
✓
New-for-old replacement if vehicle is less than 12 months old
–
✓
✓
Courtesy car
–
–
✓
Collection, repair and delivery of your car when you use recommended repairers
–
✓
✓
Medical expenses
–
–
Up to £200
Personal belongings
–
–
Up to £500
Flood or storm damage
–
–
✓
Child car seat cover
–
–
Up to £150
Vandalism
–
–
✓
What is my excess?
An excess is the amount of money that you are expected to contribute when you make a claim.
The amount of your excess may be dependant on variable factors such as your age, your car and your driving experience. For full details on your excess and how much you will have to pay, make sure you read your Policy Schedule.
What is the claims process for the Post Office car insurance?
If you need to make a claim, you can call the Post Office claims hotline.
You can call on 0345 073 1005. The service is in operation 24/7.
When you make a claim, make sure you have your policy number to hand. You can find this in your policy documents.
Pros and cons of Post Office Car Insurance
Pros
There is no excess for windscreen replacement and repair, and if you make a claim it won’t affect your No Claims Bonus.
You will receive a 3 year guarantee on repairs for your vehicle when you use selected garages.
A range of optional extras, including key cover and breakdown cover.
Claims line is open 24/7
Cons
The Post Office’s under 50’s insurance policy has less benefits than the over 50s.
Policy information is not easily accessible.
Our verdict
It’s not just stamps and stationery that you can pick up from the Post Office, you’ll be able to find car insurance too.
It offers protection for you and your car whether you’re under 50 or over 50. What’s more, you’ll be able to enhance cover with a range of optional extras.
No matter where you get your insurance from, it’s always wise to do a little research, shop around and compare deals.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
Millie Spark was a writer for Finder and covered a range of subjects including how to get the best deal on everyday shopping, and insurance. See full bio
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