Post Office Car Insurance Review

James Rodriguez James Rodriguez updated on July 7, 2022

This is the ultimate review to guide you through Post Office car insurance.

You might already know that Post Office offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Post Office the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Post Office car policy terms and conditions and given our own ratings based on different criteria.

3,6 Safe overall rating for Post Office

Our ratingOur opinion
Customer service & satisfaction

24/7 emergency helpline is available
Policy information is not easily accessible
1.7/5 based on 50 opinions on TrustPilot

Cover provided

£500 provided for personal belongings cover
Vandalism cover is available for the over 50s cover
Unlimited cover for factory fitted entertainment equipment only for the comprehensive and over 50s cover
The Post Office’s under 50’s insurance policy offers less benefits than the over 50s policy

Value for money

3 years repair guarantee is offered when a Post Office approved repairer is used
Cancellation fees during the cooling off period is £30
No Claims Discount is not offered to named drivers

Financial strength for pay out

Strong financial capability


Information regarding the services offered is hard to come by on the website
No live chat option is available
The self service option is not accessible
Insurance policies cannot be taken out and adjusted online

Safe rating for Post Office

Expert and customer reviews on Post Office

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Post Office's reputation.

Review organisationConsumer satisfaction rates for Post Office
Defaqto expert rating for Post Office defaqto 5 stars
TrustPilot1,7/5 based on 50 opinions
Consumer satisfaction rates on reviews for Post Office

To check if Post Office is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


Our review on Post Office car insurance policy

The Post Office Money is a car insurance specialist for over 50. The company has two major insurance policies: The Over 50s (5 stars) and Under 50s (3 stars). Each of those policies includes a comprehensive, a Third party and a Third party, fire and theft cover.

The Comprehensive cover offers the following:

  • Unlimited cover to third party injuries
  • £20m cover for damage to third party property
  • Abroad cover
  • No claims discount
  • Windscreen repair
  • Replacement car
  • Provision of courtesy car
  • £200 medical expenses cover
  • £500 personal belongings
  • £150 child car seat cover
  • Vandalism cover.

Alongside the standard comprehensive car insurance, the company also offers a Premier level of cover including breakdown cover, motor legal protection and windscreen cover as standard. Both levels are rated 5 stars by the expert Defaqto.The downside is that Post Office car insurance is not well received by customers according to reviews from Trustpilot.
You can get an additional £30 amazon gift car when taking out car insurance policy at Post Office.

What does Post Office car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Post Office?

Car insurance policyAvailable at Post OfficeCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Post Office

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Post Office explained in details

Let's find out what does Post Office covers in its car insurance policy.

Breakdown cover at Post Office

The breakdown cover is provided by RAC Motoring Services and for the under 50s the first year is free, the breakdown cover is included in the insurance policy however for the over 50s service, it can be added as an optional extra.
Options like the Roadside Assistance, Recovery, RAC At Home and Onward Travel can always be added to the insurance policy.

Keycare cover at Post Office

The Keycare Cover is provided by Ageas Insurance Limited and can be added to a policy as an optional extra. The following are provided with this cover:

  • 24-hour emergency helpline
  • £1,000 cover every year for the replacement of lost or stolen keys
  • £40 per day for car hire for a maximum of 3 days.

Windscreen cover at Post Office

Windscreen replacement and repairs is free when the driver contacts the glass helpline and an approved repairer is used.

Motor legal protection at Post Office

Post Office provides Motor Legal Protection as an optional extra and the following are included in this option:

  • £100,000 of legal expenses to help recover uninsured losses
  • claim for compensation in the case that the accident damaged your car beyond repair or use
  • claim for repair cost in the case that you were involved in an accident that was not your fault.

Personal policy injury available at Post Office

In the case of an accident, Post office offers the victim a sum and also provides cover for medical expenses up to £200. This is however only available on the comprehensive cover for both the over 50s and under 50s insurance policies.

Coverage abroad at Post Office

Abroad coverage is available under the comprehensive insurance policy and this coverage allows the holders to travel through Europe for about 60 days. The list of countries includes:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at Post Office

This option is available for both the under 50 and over 50 insurance policies. The cover is subject to availability.
The courtesy car option is made available to:

  • drivers whose car cannot be driven and
  • drivers whose cars has been stolen.

No-Claim Bonus (NCB) at Post Office

Claims made for windscreen repairs would not affect your No Claims Bonus.

At Post Office, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

How much does Post Office car insurance cost?

You'll find below indicative car insurance quotes at Post Office:

Drivers'ageMonthly premium
18 years old£102,46
40 years old £42,26
60 years old£31,16
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Post Office insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Post Office?

Cashback vouchers are available for both the under 50 and over 50 insurance policies:
- £30 Gift Card, M&S Gift Card or Argos Gift Card When you buy a new Post Office Over 50s Car Insurance Policy
- £26.25 cashback is offered for the online purchase of both the under 50 and over 50 insurance policies

Discount typesComment
Discounts- A £30 Gift Card, M&S Gift Card or Argos Gift Card When you buy a new Post Office Over 50s Car Insurance Policy
- A £26.25 cashback is offered for the online purchase of both the under 50 and over 50 insurance policies
Discounts and cashbacks available at Post Office

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Post Office car insurance policy summarized


At Post Office
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£1,000
Personal belongings£100-£500
Audio equipment


Medical expenses


Liability limit for property damage£20,000,000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair

Coverage abroad

60 days

Guarantees at Post Office


At Post Office
Fire excessno
Theft excessno
Accidental damage excessno
Windscreen replacement excessNo excess amount is required to make up for the unlimited services
Young driver excess


Excess at Post Office

Admin fees

At Post Office
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period: £30
Cancellation fees outside cooling off period: not stated

Modification fees

Adjustment fee: not stated

Admin fees at Post Office

Other car insurance policies available at Post Office

Post Office van insurance

The van insurance policy offered by Post Office comes with many benefits, some of which include:

  • 3 years repair guarantee when an approved repairer is used
  • 24-hour claims line
  • 30 days abroad cover
  • motor legal protection keycare cover
  • £1,000 to £7,500 for tools and van content cover
  • windscreen cover.

How to contact Post Office auto insurance?

Post Office phone numbers 

You will find all important phone numbers to contact Post Office car insurance:

Contact numberOpening hours

Customer Service

0345 073 1002

Mon – Fri: 8am – 8pm,
Sat: 9am – 5pm,
Sun & Bank Holidays: 10am – 4pm,


0330 018 3770

Mon – Fri: 8am – 8pm,
Sat: 9am – 5pm,
Sun & Bank Holidays: 10am – 4pm,


0330 018 4082

Mon – Fri: 8am – 8pm,
Sat: 9am – 5pm,
Sun & Bank Holidays: 10am – 4pm,


0345 073 1005

24 hours a day


0345 073 1002.

Mon – Fri: 8am – 8pm,
Sat: 9am – 5pm,
Sun & Bank Holidays: 10am – 4pm,

Contact numbers at Post Office

Post Office other contact details

You'll find below Post Office main contact details:

Contact details of Post Office
Email address


Customer account with Post Office login

My Account

Social mediaFacebook, Twitter, YouTube
Contact details at Post Office

You can also contact them by mail by writing to Post Office car insurance:

Post Office Car Insurance
Finsbury Dials,
20 Finsbury Street,

How to claim at Post Office?

You can make a claim on your Post Office car insurance policy by calling: 0345 073 1005.

ServiceCar claim
Claim by phone

0345 073 1005

Claim process at Post Office

How to cancel your car insurance at Post Office?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Post Office as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Post Office has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

Post Office could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.