Is Post Office a Good Insurance Company?
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Discover the methodologyYou are considering buying an insurance policy at Post Office and are wondering if Post Office is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Post Office: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Post Office.
Who is Post Office?
Post Office is one of the most famous high street names providing all sorts of insurance and banking services. The company has over 370 years of service in the UK. It offers more than 170 products and services to customers every day and has more than 11,500 branches nationwide.
What are the main insurance policies available at Post Office?
Let's discover below main insurance policies offered by Post Office.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Travel insurance | Get to know more | |
| Home insurance | Get to know more | |
| Life insurance | Get to know more | |
| Pet insurance | Get to know more |
Post Office expert and consumers reviews: Defaqto, TrustPilot
Post Office is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Post Office.
| Defaqto | |
|---|---|
| Car insurance | 5 |
| Home insurance | Silver: 4 stars |
| Pet insurance | Premium Plus:5 stars |
Is Post Office a good car insurance company?
3,4 Safe overall rating for Post Office car insurance
Post office car insurance offers insurance for drivers below and above the age of 50 and under these policy, three covers are also offered. Apart from the fact that the under 50's option offers a lot less than the over 50's option, this insurance company offers a very broad range of services like windscreen replacement, courtesy car, £100 worth of personal belongings cover, cover against vandalism and malicious damage, £400 worth of emergency transport and accommodation cover to pay for alternative transport or lodgings after an accident and many others.
In addition to typical car insurance coverage choices, Post Office offers, among other options:
Breakdown cover
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.
Windscreen cover
Windscreen replacement and repairs is free when the driver contacts the glass helpline and an approved repairer is used
Motor legal protection
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 injury policy
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.
Besides main car insurance coverage, you can also get extra car insurance options at Post Office. Get to know more, read our complete review on Post Office car insurance.
Is Post Office a good travel insurance company?
4,1 Safe overall rating for Post Office travel insurance
Post Office Travel Insurance is offered by Post Office Management Services Limited, one of UK's largest retail network that has been serving the country for more than 370 years.
They offer a wide range of travel insurance products that is available across a large demographic. However, due to the low customer satisfaction rate on Trust Pilot, we would advise you to consider looking at other insurance companies such as World First and Alpha Travel Insurance.
For single and annual multi-trip cover, age and maximum number of days limits at Post Office are:
| Main travel insurance policies | Available at Post Office |
|---|---|
| Post Office maximum number of days limit | Single Trips up to 120 days. |
| Post Office age limit | Up to 60 years old |
You will find Post Office cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.
Besides main travel insurance policies, Post Office also provides extra cover such as:
- backpackers travel insurance
- long stay travel insurance
- winter sports cover
- golf cover
- cover for business trips
- cruise gear
- gadget cover
The following upgrades are available at Post Office Travel Insurance:
- Natural Catastrophe and Terrorism Cover
- Enhanced Trip Disruption Cover.
>> MORE: read our complete review on Post Office travel insurance.
Is Post Office a good home insurance company?
3,6 Safe overall rating for Post Office home insurance
The Silver cover is poorly rated by Which. The plan gives access to average features and benefits for both building and contents insurance although you can get up to £200 000 for alternative accomodation under building insurance policy. Blockage of sewer pipe cover is not included in the Silver plan (but is in the Premier) unlike many other policies. Same for graduit build-up of groundwater. The contents insurance does not cover items temporarily removed from home but cover accidental damage made to home entertainement equipment as standard. The Premier level of cover for building insurance also provides unlimited alternative accomodation cover and up £30 000 for valuable items limit.
The company is well-known for providing interesting value for money deals. Rates are competitive. However, the Post office company also applies all sorts of admin fees as well as renewal fees which quickly increase the total cost of your home insurance at the end of the year. Post Office has low customers reviews on Trsutpilot. Claim process can be tedious. There have been complaints regarding rates.
Post Office building insurance
You will find below building main insurance details for the Silver home insurance cover at Post Office:
- Maximum sum insured for your property: £1 000 000
- Owner's liability: £2 000 000
- Alternative emergency accomodation: £200 000
- Period of home's unoccupancy cover: 60 days
- Trace and access: £5 000
- Keys cover: £1 000
- Subsidence excess: £1 000
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
Post Office contents insurance
You will find below contents insurance details for the Silver home insurance cover at Post Office:
- Maximum sum insured for your contents: £80 000
- Alternative emergency accomodation: £15 000
- Single item limit: £2 500
- Contents in the open: £2 000
- Contents in outbuildings: £2 500
- Money / credit card kept at home: £750 / £1 000
- Items temporarily removed from home: £10 000
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Accidental damage to home entertainment equipment available as standard in both covers |
| Personal possessions cover |
|
| Mobile cover |
|
| Bike cover |
|
Standard excess to report a claim at Post Office is £100.
You will find exhaustive cover details, administration fees, contacts etc. on Post Office home insurance on our review below.
>> MORE: read our complete review on Post Office home insurance.
Is Post Office a good life insurance company?
3,6 Safe overall rating for Post Office home insurance
The Post Office offers three types of life insurance policies which are: Life Insurance, Over 50s Life Insurance and Free Parent Life Cover. They also offer optional extras that can be added to these insurance policies. Some of them are the Terminal illness and Death benefit options. Post Office has a 4 star rating on Defaqto. The bad side of this insurance company is that the claims process is tedious as they are handled by more than one supplier. They are however known to be reliable and as such, their services are recommended.
In summary, here are the main features you need to know when taking out life insurance with Post Office.
| Life insurance criteria | |
|---|---|
| Minimum age | 18 years |
| Maximum age | 70 years |
| Pay-out | Up to £500,000 |
| Extras | No |
| Terminal illness | Yes |
You will find everything you need to know on Post Office life insurance in our review.
>> MORE: read our complete review on Post Office life insurance.
Is Post Office a good pet insurance company?
3,4 Safe overall rating for Post Office pet insurance
Post Office is one of the most famous high street names providing all sorts of insurance and banking services. The company has over 370 years of service in the UK. It offers more than 170 products and services to customers every day and has more than 11,500 branches nationwide. Post Office's insurance policies are arranged, administered and underwritten by Pinnacle Insurance plc
The Post Office offers 4 types of policies:
Essential – this is a Time Limited policy which means medical cover is only provided for 12 months, the policy includes: £1,500 cover for vet fees, cover for death from accident or illness (£500 for dogs, £250 for cats), advertising and reward (£500 for dogs, £250 for cats), theft or straying (£500 for dogs, £250 for cats), emergency boarding (£500 for dogs, £250 for cats) and holiday cancellation cover for £500.
Standard cover includes: £2,000 cover for vet fees, cover for death from accident or illness (£500 for dogs, £250 for cats), advertising and reward (£500 for dogs, £250 for cats), theft or straying (£500 for dogs, £250 for cats), emergency boarding (£500 for dogs, £250 for cats) and holiday cancellation cover for £500.
Premium – This is a Lifetime policy and it includes: £3,000 cover for vet fees (limited to £1,000 per condition per year), cover for death from accident (£500 for dogs, £250 for cats), advertising and reward (£500 for dogs, £250 for cats), theft or straying (£500 for dogs, £250 for cats), emergency boarding (£500 for dogs, £250 for cats) and holiday cancellation cover for £500.
Premium Plus – This is also a Lifetime policy and it includes: £7,000 cover for vet fees, cover for death from accident for £1,500 (both dogs and cats), advertising and reward for £1,000 (both dogs and cats), theft or straying for £1,500 (both dogs and cats), emergency boarding for £1,000 (both dogs and cats) and holiday cancellation cover for £3,000. All insurance policies provided by Post office included overseas travel cover for up to 90 days and a 24-hour veterinary helpline.
Post office has a low rating of 1.6/5 on TrustPilot and most of its policies have a 4 star rating on Defaqto. The insurance company is recommended as they have a high financial capacity to pay out claims.
What does Post Office pet insurance cover in a nutshell?
Post office offers same type of pet insurance for both cats and dogs:
Lifetime
- Per Condition Limit Per Year of £1,000 - Annual Policy limit of £3,000 - Limits reinstated on renewal
- No Per Condition Limit - Annual Policy limit of £7,000 - Limits reinstated on renewal
Maximum Benefit: Per Condition Limit of £2,000 - No annual policy limit - Limits reinstated at renewal up to each condition limit
Time Limited: Per Condition Limit of £1,500 - No annual policy limit - 12 months from date condition was first noticed
>> MORE: read our complete review on Post Office pet insurance.
Post Office discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Travel insurance | They don't mention any discounts on their website. |
| Home insurance | No discount available. |
| Life insurance | A £50 gift voucher is given to policyholders to be used at either Amazon, M&S or Argos |
| Pet insurance | You can get 10% discount off your premium when you apply online |
How to contact Post Office?
Find out how to contact and log in to Post Office on our contact page.
