Post Office car insurance review

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 offers a choice of cover levels for drivers that have taken a policy out after 18th March 2026. Within these policies, you can choose from three different levels of cover.

Who is the Post Office?

The Post Office Limited was founded in 1987, and specialised in postal service. In 2015, the Post Office Money branch was created to offer financial services such as banking and insurance. They are now the largest financial services chain and branch network 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 (rebranded as Aviva)
For full details on who underwrites your policy, make sure you read your Policy Schedule.

Compare Post Office policies

6 of 6 results

Courtesy car cover	Multi-car discount
Post Office Money Comprehensive (Under 50s)	Cover for passenger injury.	Free breakdown cover for eligible new customers and 3 year guarantee on repairs carried out by approved repairers.	More info Compare product selectionCompare	loading
Post Office Money Third Party Fire and Theft (Under 50s)	Cover for passenger injury.	Free breakdown cover for eligible new customers.	More info Compare product selectionCompare	loading
Post Office Money Third Party (Under 50s)	Cover for passenger injury.	Free breakdown cover for eligible new customers.	More info Compare product selectionCompare	loading
Post Office Money Comprehensive (Over 50s)	Cover for passenger injury.	£30 Amazon, M&S or Argos gift card with a new over 50s car insurance policy	More info Compare product selectionCompare	loading
Post Office Money Third Party Fire and Theft (Over 50s)	Cover for passenger injury.	£30 Amazon, M&S or Argos gift card with a new over 50s car insurance policy	More info Compare product selectionCompare	loading
Post Office Money Third Party (Over 50s)	Cover for passenger injury.	Finder's summary: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. Who it might be good for: Over 50s looking for a well covered policy.	More info Compare product selectionCompare	loading

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Showing 6 of 6 results

What are the Post Office’s cover options?

Post Office Third Party Cover

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.

Post Office Third Party Fire and Theft Cover

Third party fire and theft cover gives you slightly more protection than the basic third party cover.

It covers injuries and damages to third parties and their property. In addition, your own vehicle is covered for any damage caused by fire or theft.

However, it does not cover your car if it is damaged in other ways such as a crash.

Post Office Comprehensive Cover

Comprehensive car insurance is the highest level of cover you can get with Post Office.

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.

For drivers who have taken a policy out before 18th March 2026, The Post Office offers tailored car insurance for both under and over 50. Within these policies, you can choose from three different levels of cover.

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:

Under 50s insurance
Car insurance for over 50s

Tailored specifically for drivers under 50 years of age, Post Office Money’s under 50’s car insurance benefits include:

Free breakdown cover for new customers.
UK based call centres.
Optional extras to tailor your insurance cover to your needs.

Tailored specifically for drivers over 50 years of age, Post Office Money’s over 50’s car insurance benefits include:

Uninsured driver promise.
UK based call centres.
Guaranteed to beat your renewal quote by at least £50.
Optional extras to tailor your insurance cover to your needs.

What does each level cover?

It is worth noting that what is covered under the Post Office Car insurance may be different depending on if you have an under 50s or over 50s policy.

Under 50s insurance
Car insurance for over 50s

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	✓	✓	✓
Fire and theft cover	–	✓	✓
Motor accessories	–	✓	✓
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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’26). 51% of Confused.com car insurance customers could save £527.07.

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Written by

Millie Spark

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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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