The Post Office was founded in 1984, and specialised in postal service. Since then, it has branched out to provide other services. In 2014, the Post Office Money branch was created to offer financial services such as banking and insurance. It is now the largest financial services chain in the UK.
The Post Office aspires to provide its customers with everything they may need in one place, for a great price.
Post Office Money’s home insurance is administered by BISL Limited and underwritten by a panel of insurers.
Make sure you read your policy schedule for full details concerning the underwriters of your policy.
What are my policy options?
The Post Office offers two different home insurance options. Each option is tailored to either those under the age of 50 or over. The home insurance options and features for each different age group are listed below.
Your personal possessions against loss or damage, even out of the home
Extra 10% contents cover for Christmas, other religious festivals and special events when more valuables may be in your home.
Contents up to the value of £1,500 per item, or £350 for bicycles
New-for-old replacements
Protection against accidental damage to electricals
Replacement locks and keys up to £500 per incident
Garden contents up to £1,000 in total during the insurance period
Up to 90 days of cover for contents temporarily removed from the home.
Optional extras
Full accidental damage
Home assistance for home emergencies
Building insurance cover
Damage by fire
Storm damage
Damage by flooding
Theft
Vandalism
Water or pipe leaks
Subsidence
Accidental damage
Unlimited alternative accommodation for you and your family if your home is not safe to live in.
Contents insurance includes
Cover for your personal possessions against loss or damage, even away from the home
Possession cover up to the price of £1,500 per item, or £350 for bicycles
Unlimited Alternative Accommodation if your home isn’t safe to live in
Up to £1,000 accidental damage cover for satellites, televisions, radios, computers and other audio/video equipment
Replacement locks and keys up to £1,000 per incident
Up to £1,500 cover for garden plants with a maximum of £250 per claim
Up to £2,000 per claim on contents in the open with a maximum of £250 per item, eg BBQs, patio furniture
What is my excess?
An excess is the amount of money that you are expected to pay when you make a claim.
The amount of your excess may change depending on the claim you are making, and the value of what is damaged. For full details about the excess you must pay for a claim, make sure you read your Policy Schedule.
What is the claims process for Post Office Money?
If you find yourself needing to make a claim, you can call the Post Office home insurance claims hotline on 0345 073 1005.
Further details relating to the claims process for Post Office Money’s home insurance policies can be found on in your policy documents or on the Post Office Money’s website.
Pros and cons of Post Office Money’s home insurance
Pros
New-for-old replacement policy
Extra cover for periods where you’re likely to have more valuables in your home
2017 winner of Your Money Best Online Home & Contents Insurance Provide
Cons
Policy documents are not easy to access
Under 50s don’t receive unlimited alternative accommodation when they are more likely to have children still living at home
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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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