Car Insurance

Insurance car broken down

You'll get free Breakdown cover for the first 12 months.

Key benefits

  • 24-hour claims line: fast, friendly, expert service when you need it
  • Immediate cover: get a quote and be insured within minutes
  • Free Breakdown cover for under 50s: for 12 months
Post Office® car insurance is arranged and administered by BISL Limited

With our comprehensive car insurance you can receive all of these great benefits:

  • Courtesy car to keep you on the road (subject to availability)
  • Cover against vandalism and malicious damage, as long as you notify the police within 48 hours
  • Windscreen repairs when you call our Glass Helpline
  • Overseas cover for European trips for up to 60 days for any trip you take within the European Union

How it works

Applying is easy and quick. You can pay by debit or credit card in monthly instalments or annually.

Terms and conditions, exclusions and restrictions apply to all extra cover options. Please see policy documents for further details.

For more information, read our FAQs.

Tailor your car insurance to you

RAC Onward travelIf we can’t fix your car locally, you’ll be offered replacement car hire, alternative transport costs or hotel accommodation., Motor Legal Protection and KeycareThe Keycare Package offers peace of mind if you should lose your keys. It works by attaching a specific keyfob to as many keys as you like. Keys that are lost of stolen can then be replaced. are just some of the optional extras available for you.

You get free Breakdown cover for your first year when you sign up to our car insurance, but you can also upgrade and add RAC At HomeUse RAC Roadside Assistance within a quarter of a mile from home or where you normally keep your car. and Onward TravelIf we can’t fix your car locally, you’ll be offered replacement car hire, alternative transport costs or hotel accommodation. to your policy.

Add Motor Legal Protection to help recover legal expenses up to £100,000 and uninsured losses. Claim compensation if you're injured or killed or can't use your vehicle. You also could claim for your policy excess if you’re not at fault for an accident and repair costs if you don't have comprehensive car insurance.

Take out KeycareThe Keycare Package offers peace of mind if you should lose your keys. It works by attaching a specific keyfob to as many keys as you like. Keys that are lost of stolen can then be replaced. and get a 24-hour emergency helpline and up to £1,000 cover per year for the replacement of lost or stolen keys or reprogramming of immobilisers, and £40 a day for car hire.

The Guaranteed Replacement Car service is ideal if your car is stolen or can’t be driven. We will provide you with a replacement vehicle for 14 or 28 days.

Breakdown cover is provided by RAC Motoring Services.Keycare cover is provided by Groupama Insurance Company Limited. Motor Legal Protection is underwritten by AmTrust Europe Limited.

Definitions

0800: Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes.

0845: Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes.

Free breakdown cover: This offer applies to new Post Office® Car Insurance customers only, purchasing a Car Insurance policy and who are aged 49 years or under at the time of the purchase of the policy. See offer terms and conditions tab for more info.

Keycare: The Keycare Package offers peace of mind if you should lose your keys. It works by attaching a specific keyfob to as many keys as you like. Keys that are lost or stolen can then be replaced.

Onward Travel: If we can’t fix your car locally, you’ll be offered replacement car hire, alternative transport costs or hotel accommodation.

RAC At Home: Use RAC Roadside Assistance within a quarter of a mile from home or where you normally keep your car.

Recovery: If your car can’t be fixed locally in a reasonable time, you, your vehicle and up to 7 people will be transported to a single UK address.


 

Comprehensive

Third Party Fire and Theft Third Party
Unlimited cover for injuries to a third party Yes Yes Yes
£20m for damage to a third party’s property Yes Yes Yes
Any injury caused to a passenger Yes Yes Yes
Up to £20m for damage to a third party when towing, including trailers and caravans within the UK Yes Yes Yes
Foreign travel – 60 days per trip in EU countries (unlimited for Third party) Yes Yes Yes
Theft and fire, lightning or explosion damage cover Yes Yes No
Customer’s car towed, stored and delivered after a valid claim and dependant on conditions Yes Yes No
Motor accessories cover, excluding trailers and any sound equipment, whether fitted to the car or stored in your garage Yes Yes No
Accidental damage to your car, including windscreen and windows repair Yes No No
New-for-old replacement vehicle - if the car is extensively damaged to the extent that repairs will cost more than 60% of the list price on the date the damaged occurred. Vehicle must be less than 12 months old and been owned by you from new. Yes Yes No

Use of a courtesy car while yours is being repaired by one of our approved repairers following an accident covered by your policy. Courtesy cars are subject to availability and the supplying garage terms and conditions.

Yes No No
Collect, repair and return your car when you use the recommended repairers Yes No No
3-year guarantee on approved claims repairs Yes Yes No
Medical expenses covered up to £200 Yes No No
Personal effects covered up to £100 Yes No No
Storm and flood damage Yes No No
Vandalism and malicious damage if notified to police within 48 hours Yes No No

Under 50s Free Breakdown Cover

1. This offer applies to new Post Office® Car Insurance customers only, purchasing a Car Insurance policy and who are aged 49 years or under at the time of the purchase of the policy. Customers who are renewing an existing policy, amending the details of the current policy or who have held a Post Office Car Insurance policy within 14 days prior to the start date of their new Post Office Car Insurance policy are not eligible for this offer.

2. The policy must be purchased directly with Post Office® Car Insurance. This offer is not available via price comparison websites. Policies purchased directly with Post Office using a quote reference obtained from a comparison website will not be eligible for this offer.

3. This offer is not open to existing Post Office® Car Insurance customers who are renewing an existing policy or changing the details of their current policy.

4. The free Breakdown cover offer (Roadside and Recovery vehicle based) is attached to the car insurance policy and will end if and when the car insurance policy ends. The free Breakdown cover offer is only available during the first year that you insure with the Post Office®.

5. There is no cash alternative. In the event that the policy ends, no refund will be due in respect of the Breakdown cover.

6. The Breakdown cover is provided by RAC Motoring Services. For full Terms & Conditions of the Roadside and Recovery product, please see policy wording.

7. The free Breakdown cover cannot be transferred to any other policy.

8. The cost to upgrade to include “RAC At HomeUse RAC Roadside Assistance within a quarter of a mile from home or where you normally keep your car.” cover is £20 for one year. The cost to upgrade to include “ RAC At HomeUse RAC Roadside Assistance within a quarter of a mile from home or where you normally keep your car. and Onward TravelIf we can’t fix your car locally, you’ll be offered replacement car hire, alternative transport costs or hotel accommodation.” cover is £40 for one year.

9. At renewal of the main car insurance policy, the full cost of your RAC Breakdown product may be added to your renewal offer, unless you notify us otherwise.

10. We reserve the right to vary, withdraw or extend the offer at any time.

11. This offer is subject to underwriting criteria. Policy terms and conditions apply and will be provided within the documentation when a policy is taken out.

12. This offer is not available in conjunction with any other offer.

Breakdown cover is provided by RAC Motoring Services.

Cover yourself on the road Get a quote

Small print

Post Office® Car Insurance is arranged and administered by BISL Limited. BISL Limited is authorised and regulated by the Financial Conduct Authority. Registered in England No.3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate,Peterborough PE2 6YS. Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 7022885). Registered address Bow Bells House, 1 Bread Street, London, EC4M 9BE. Post Office Limited is registered in England and Wales. Registered number 2154540. Registered Office is 148 Old Street, London EC1V 9HQ. Post Office and the Post Office logo are registered trade marks of Post Office Limited.

Breakdown cover is provided by RAC Motoring Services. KeycareThe Keycare Package offers peace of mind if you should lose your keys. It works by attaching a specific keyfob to as many keys as you like. Keys that are lost of stolen can then be replaced. cover is provided by Groupama Insurance Company Limited. Motor Legal Protection is underwritten by AmTrust Europe Limited.

Ready to buy?

Cover yourself on the road

Get a quote Retrieve a quote

Can we help

For more online help:

Read our FAQs

To get a quote over the phone call:

0800Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes. 783 3770

8am-10pm, Mon-Fri

8am-6pm, Sat

10am-4pm, Sun & Bank Holidays

To speak to our Customer Service Team call:

0845Calls to 0845 numbers may be charged at up to 5p per minute from a fixed line and calls from mobiles can be considerably higher. Calls may be monitored or recorded for training and compliance purposes. 073 1002

8am-9pm, Mon-Fri

9am-5pm, Sat

10am-4pm, Sun & Bank Holidays

For renewals call:

0800Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes. 107 4082

8am-9pm, Mon-Fri

9am-5pm, Sat

10am-4pm, Sun & Bank Holidays

To make a claim call:

0845Calls to 0845 numbers may be charged at up to 5p per minute from a fixed line and calls from mobiles can be considerably higher. Calls may be monitored or recorded for training and compliance purposes. 073 1005

Claims line is open 24 hours a day

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