Post Office Car Insurance review

Check out our guide to find out if Post Office Car insurance has the right policy for you.

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.

Read our guide to find out if the Post Office have the ideal policy for you.

Post Office Money

Post Office car insurance

  • Policies tailored to drivers both under and over 50
  • No excess for windscreen replacement and repair
  • Optional extras to enhance your policy
  • UK based call centres
  • £30 Amazon, M&S or Argos gift card with a new over 50s policy
Promoted

Compare Post Office policies

Updated May 22nd, 2019
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 60 days
Cover for passenger injury.
N/A
Free breakdown cover for eligible new customers and 3 year guarantee on repairs carried out by approved repairers.
Up to 60 days
Cover for passenger injury.
N/A
Free breakdown cover for eligible new customers.
Up to 60 days
Cover for passenger injury.
N/A
Free breakdown cover for eligible new customers.
Up to 60 days
Cover for passenger injury.
N/A
£30 Amazon, M&S or Argos gift card with a new over 50s car insurance policy
Up to 60 days
Cover for passenger injury.
N/A
£30 Amazon, M&S or Argos gift card with a new over 50s car insurance policy
Up to 60 days
Cover for passenger injury.
N/A
£30 Amazon, M&S or Argos gift card with a new over 50s car insurance policy

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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 aspire to provide customers with everything they may need in one place, for a great price.

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

This 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.

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:

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.

Cover benefitsThird PartyThird Party, Fire and TheftComprehensive
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 expensesUp to £200
Personal belongingsUp to £100
Flood or storm damage
Vandalism
Cover benefitsThird PartyThird Party, Fire and TheftComprehensive
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 expensesUp to £200
Personal belongingsUp to £500
Flood or storm damage
Child car seat coverUp 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?

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.

Cons

  • The Post Office’s under 50’s insurance policy has less benefits than the over 50s.
  • Policy information is not easily accessible.

*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products finder.com has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms ‘Best’, ‘Top’, ‘Cheap’ including variations, are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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