Post Office car insurance

The Post Office provides two types of car insurance:

Each of these is available with the following levels of cover:

The Post Office does not offer a telematics option.

Telematics insurance policies allow higher-risk drivers, typically inexperienced motorists, to get affordable cover by agreeing to have a GPS transceiver installed to their car to monitor their driving.

By limiting driving to off-peak hours, keeping their speed down, and other behavioural modifications they can get a cheaper policy, or be rewarded with money off their next premium.

The Post Office does not offer a multi-car insurance discount as standard.

Taking out a multi-car insurance policy can help reduce your insurance costs: 

Not everyone needs an insurance policy that runs for a full year, some drivers, such as people relocating home and learner drivers may only need short-term or temporary car insurance to cover the periods when they are home.

The Post Office doesn’t offer temporary car insurance cover.

There are three levels of cover with Post Office Over 50s Car insurance:

Third party coverage

TPFT and TPO are more basic compared to fully comprehensive policies, but include the following as standard:

Third party, fire and theft also includes:

A greater degree of cover is provided as standard if comprehensive car insurance is selected.

Post Office Under 50s Car Insurance fully comprehensive policies also include the following benefits in addition to those listed for TPFT and TPO cover.

Cover is in place for damage to the windscreen, windows and sun roof, without any impact on the policyholder’s no claims discount.

A courtesy car is provided while an insurer-approved garage repairs the policyholder’s car, subject to availability.

Post Office Under 50s Car Insurance will pay up to £100 for items that are lost or damaged in the policyholder’s car, due to theft or an insured incident.

Costs incurred through medical treatment following an incident involving the policyholder’s car are covered to the tune of £200.

If the insured’s car is involved in an incident the Post Office will pay up to £150 towards a replacement fitted-child car seat even if there is no sign of damage.

The Post Office will cover costs incurred as a result of vandalism or malicious damage to the policyholder’s car, after any applicable excess is applied.

If the policyholder or their partner is accidentally killed or injured in an incident involving the insured’s car, up to £5,000 will be paid to the affected party.

If car keys are stolen the Post Office will reimburse the policyholder up to £500 for the cost of replacement keys, lock and labour.

Breakdown cover is provided on Under 50s insurance in the first year for new customers.

A greater degree of cover is provided as standard if comprehensive car insurance is selected.

Post Office Under 50s Car Insurance fully comprehensive policies also include the following benefits in addition to those listed for TPFT and TPO cover.

Any excess attached to the policy will be paid if the policyholder is involved in an incident with an uninsured driver. If the claim is found to be not the fault of the policyholder, any no claims discount will not be affected.

Where an incident leaves the insured stranded, the Post Office will pay up to £100 per person for emergency transport or up to £400 per incident for overnight accommodation.

Post Office Over 50s Car Insurance will pay up to £500 for items that are lost or damaged in the policyholder’s car, due to theft or an insured incident.