Post Office Home Insurance
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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 or buy to let insurance and competes with other players in this sector that include John Lewis landlord insurance and Tesco Home Insurance. Other popular products offered include post office van insurance and pay monthly car insurance for social, domestic, and pleasure use.
What home insurance policies are available with the Post Office?
Like other providers of home insurance, the Post Office offers 3 categories of cover
- Buildings Only Insurance
- Contents Only Insurance
- Combined insurance of Buildings and Contents
| Policy Type | Building’s maximum sum insured | Contents maximum sum insured | Additional accidental damage |
|---|---|---|---|
| Silver Buildings | Up to £1 million | Not included | |
| Gold Buildings | Up to £1 million | Included | |
| Silver Contents | Up to £80,000 | Not included | |
| Gold Buildings | Up to £100,000 | Included |
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 a 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 homeowners, it comes as a nasty shock when they discover this. Check with your home insurance provider, as you may need to take out short term house insurance if your property will be left empty for a prolonged period of time.
Who underwrites Post Office insurance?
The home insurance offered by the Post Office is provided or underwritten by Ageas Insurance Limited. For legal protection and their family’s legal protection elements are underwritten by the DAS Legal Expenses Insurance Company Limited, which specialise in providing cover for legal expenses.
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.
How Home insurance is calculated and how to save money on the cost of cover
The cost of home insurance for a similar property can differ due to a number of factors, some, like the post code, you have no control over. Some of these factors are listed below.
- Location or post code: If possible, avoid buying your home in an area that has been flagged as post code with higher crime rates. If the property has a postcode that is linked to a higher crime rate, expect to pay more than a similar property in a safer area.
- Make your home secure : By making your home secure and safe, you will be reducing the likelihood of having to make claims. For example, having a smoke alarm will reduce the risk of serious fire damage. Installing deadlocks on windows and doors will reduce the risk of theft and vandalism. Collectively, these actions should help reduce the cost of a post office home insurance policy.
- Claims Frequency : If you make regular claims, this will be flagged as an additional risk factor, and again, expect to pay more as a result.
- Pay Annually : Most providers, including Post Office Home Insurance, will charge an additional fee for processing monthly payments. Before deciding to pay monthly or annually, check what these charges will be.
- Skip small claims : making small claims against your home insurance policy can lead to an increase in your premium or disqualify you from future no-claims discounts offered by the Post Office. As such, you may be better off paying for smaller claims out of your own pocket.
- Increase the Voluntary Policy Excess : Most providers will reduce the premium if you are happy to take more responsibility for cost in the event of a claim. By agreeing to a higher voluntary excess, you are doing exactly that, but be prepared to cover this. It’s best to set this aside in a high-interest-earning account.
How do I get in touch with the Post Office Insurance Services?
Post Office Insurance Contact Details
https://www.postoffice.co.uk/branch-finderv
Email : homeinsurance@postoffice.co.uk
Phone : 0333 4439 850 – Monday to Friday 8 am–8 pm, Saturday 9 am–5 pm and Sunday 10 am–4 pm.
Help and Support URL :https://www.postoffice.co.uk/help-support-insurance#make-a-claim
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Compare Landlord Insurance and Home Insurance providers
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MultiQuoteTime Ltd Does not recommend any insurance company. Services offered by this provider may change over time. Always check Ts&Cs. The information contained on this webpage is for editorial purposes only and not intended as financial advice
*51% of consumers could save £209.33 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024. The savings you could achieve are dependent on your individual circumstances
- Updated: 08 April 2025
- Reviewed by Eamonn Turley Insurance Expert