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Guide to the Post Office Home Insurance

The Post Office is a commercial business that has been a part of UK communities for centuries. With an extensive network of over 11,500 branches, they are able to serve 99.7% of the population within 3 miles of their physical locations. They also offer their services and products online and through 24/7 call centres. The Post Office has over 170 products and services including posting, banking and bills, travel, insurance, identity, and more.

They've been recognised by the Association of Convenience Stores (ACS) for their service to small businesses, the elderly, and vulnerable groups, rural and remote communities, etc. They provide building, content, and additional add-ons insurance services through their home insurance product. Post Office Home Insurance covers (silver and gold) have a five-star rating from Defaqto, which shows that the product is excellent and also has a comprehensive range of benefits and features

The Post office also offers Landlord insurance landlord cover or buy to let insurance and compete with other players in this sector that include John Lewis landlord insurance and Tesco Home Insurance. Other popular offered by include post office van insurance and pay monthly car insurance for social domestic and pleasure use.

What types of home insurance cover does the Post Office offer?

Policies provided by the Post Office include two major cover levels and an optional enhanced cover, namely:

1. Silver

This policy caters to the needs and demands of individuals seeking buildings insurance and coverage for their contents against various risks, such as fire, storm, theft, water leakage, freezing, and floods. You have the option to acquire additional cover to enhance your level of protection. These additional covers could include insurance for belongings outside your residence, accidental damage, home emergencies, and legal disputes.

2. Gold

The gold policy is a more comprehensive cover level for your buildings and contents insurance. For example, this policy allows you to have unlimited cover for alternative accommodation while the silver policy only offers you a maximum of £200,000. Also, individuals who are on the gold level can enjoy coverage for matching sets, but this is not included in the silver policy.

3. Enhanced Cover

The enhanced cover consists of two products that you can add as an extra cover for your home and yourself for a fee. These products include the DAS family legal protection and the DAS home emergency cover. This cover is provided by DAS, the UK's leading specialist legal expenses insurer, and it is optional.

What is included in a Post Office Home Insurance Policy?

Each of the policy types mentioned above can be tailored to match your unique priorities. You can find detailed information about individual home insurance policies, how to make a claim, and how to change your policy by reading the Policy booklet. Before you opt in for any policy cover, you also need to be aware of the terms and conditions, which are available in a PDF document. The cover offered also provides a complimentary legal helpline service, allowing customers to seek guidance on matters such as bereavement counselling and handling neighbourly disputes.

Did you Know? Standard home insurance may not provide cover if property left empty for 30 consecutive days!

Each provider of home insurance will have conditions attached to how long the property can be left empty and still be insured.  For many, it comes as a nasty shock when they realise this.  Check with your home insurance provider, and you may need to take out short term house insurance if your property will be left empty for a prolonged period of time.

What third-party providers work with the Post Office?

Ageas Insurance Limited, Premium Credit Ltd (PCL), and DAS Legal Expenses Insurance Company Limited are third-party providers affiliated with Post Office Insurance.

  • Ageas Insurance Limited is responsible for underwriting the Post Office house Insurance product and managing the customer claims journey.
  • Premium Credit Ltd (PCL) provides credit to insured customers who prefer to pay monthly by direct debit for their Home insurance.
  • DAS Legal Expenses Insurance Company Limited is the provider and underwriter for enhanced covers such as Home Emergency (HE) Insurance coverage and Family Legal Protection (FLP)) offered to customers of the Post Office. DAS also offers a legal helpline service.

Compare Landlord Insurance and Home Insurance providers

In the market for the best deal on home or Landlord insurance?. Start by comparing the available deals on the market.  Some providers on your list should include Total landlord insurance, Aro, Simply Business and CIA insurance services

How do I get in touch with the Post Office Insurance Services?

Post Office Insurance Contact Details

Phone : 0333 4439 850 – Monday to Friday 8 am–8 pm, Saturday 9 am–5 pm and Sunday 10 am–4 pm.

MultiQuoteTime Ltd Does not recommend any insurance Companies. Services offered by this provider may change over time. Always check Ts&Cs.

*51% of consumers could save £165.27 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next
seven cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023. The savings you
could achieve are dependent on your individual circumstances.

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