Over 50s Car Insurance

  •  We guarantee to beat your car insurance renewal price by at least £50 *terms and conditions apply
  • Optional extras for you to create an over 50s car insurance package that suits your needs
Overview

Why choose Over 50s Car Insurance?

With our comprehensive Car Insurance you could receive all of these great benefits:

Enjoy peace of mind with Post Office Money® Over 50s Car Insurance's 5 star Defaqto 

  • 5 Star Defaqto rated cover - have peace of mind with our 5 star Defaqto rated cover, with features that matter to you.
  • Uninsured driver promise - if the driver of your car is involved in an accident caused by an uninsured driver, we will refund the cost of any excess you pay in the event of a claim. Where the accident is not your fault and the driver is uninsured, you will not lose your no claims discount.
  • UK-based contact centre and 24-hour claims line - fast, friendly, expert service and a 3 year guarantee on repairs carried out by our approved repairers.
  • Vandalism promise - your no claims discount will not be affected if you need to make a claim for damage caused by vandalism. As long as you notify the police and provide a crime reference number.
  • Emergency transport and accommodation - we will pay up to £100 per person with a maximum of £400 per incident for alternative transport or overnight accommodation.
  • Child Car Seat cover - if your car is involved in an accident or damaged following a fire or theft we will pay up to £150 per child seat fitted in your car.
  • Courtesy car - to keep you on the road while your car is being repaired by the insurer's recommended repairer (subject to availability).
  • Driving abroad - cover for trips you take within the European Union (at the same level of cover you have in the UK) up to a maximum of 60 days in any period of insurance.
  • Windscreen replacement and repairs when you call our Glass Helpline.
  • 3 year guarantee on repairs carried out by our approved repairers.

Conditions and exclusions apply. For full details of what's included with your cover, check the policy documents.

Car insurance optional extras^

Post Office Money Over 50s Car Insurance comes with a number of optional extras for you to create the car insurance package that suits you:

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

Motor Legal Protection is underwritten by Am Trust Europe Limited.

  • Take out Keycare Cover 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 for up to 3 days.

Keycare cover is administered by Ageas Insurance Limited.

  • The Guaranteed Replacement Car service is ideal if your car is stolen or can’t be driven.

Guaranteed Replacement Car is administered by ACM ULR Limited.

  • Optional Breakdown Cover to avoid getting caught out if your car breaks down. Add Roadside Assistance, Recovery, RAC At Home and Onward Travel to your policy.

Breakdown cover is provided by RAC Motoring Services.

^ Optional extras are available at an additional charge. Terms, conditions and exclusions apply - see policy documents for full details.

We guarantee to beat your renewal price by at least £50* terms and conditions apply

If you choose a Post Office Money Over 50s Car Insurance policy that’s on a like-for-like basis with your existing insurer, we guarantee to be at least £50 cheaper. 

How it works

If our price isn’t already £50 cheaper, here’s how we guarantee to beat your renewal:-

1. Purchase a policy from us that is on a like-for-like basis with your existing provider. 

2. We’ll ask you to send us your renewal quote showing your renewal premium. 

3. Then we’ll arrange your payment to ensure that you have saved at least £50.

Your current
renewal price
Post Office
quoted price
Payback Saving
£200 £300 £150 £50
£200 £200 £50 £50
£200 £190 £40 £50
£200 £130 £0 £70

 

A bit more detail

Once you’ve purchased from us we will ask you to send us the relevant documentation, including your renewal premium from your existing provider. There is a prepaid envelope for this in your policy pack. This will help us check that your existing policy and your new policy with us are on a like-for-like basis. 

Like-for-like basis means that as well as obvious things like the address and vehicle details being the same, the 10 things listed below must be the same in both policies. If these do not match we may not be able to fulfill your refund.

Cover Type Losses/Claims
Employment Class of use
Convictions No Claims Discount (NCD) amount 
Total Excess Type of Licence
Named Drivers Mileage

 

You have 30 days to provide your proofs. Refunds are normally processed after 60 days of the Post Office Money policy start date. Please note that the price of optional add-ons like Guaranteed Replacement Car, Protected No Claims Discount, Breakdown Cover and Motor Legal Protection are not included in this offer. 

*Full Terms and Conditions apply 

What's Covered
  Comprehensive Third Party Fire & Theft Third Party only

 

Unlimited cover for injuries to a third party Yes Yes Yes
Up to a maximum of £20m for damage to a third party's property Yes Yes Yes
Any injury caused to a passenger Yes Yes Yes
Driving abroad - for European trips for up to 60 days for any trip you take within the European Union (at the same level of cover you have in the UK) Yes Yes Yes
No claims discount if you do not make a claim during the period of insurance, the insurer will increase your no claim discount when you renew your policy with us up to 9 years. If you have 4 or more years no claims discount, for an additional premium, you can opt to protect your no claims discount. Yes Yes Yes
Fire & theft cover for loss or damage to the car and its accessories caused by fire, theft or attempted theft Yes Yes No
3 year guarantee on repairs carried out by our approved repairers Yes Yes Yes
Collect & return service following a claim – our approved repairers will collect your car, repair it and return it to you Yes Yes No
Car audio, navigation and entertainment equipment - cover limit is unlimited for equipment fitted as original equipment by the manufacturer; or £500 for any other equipment not fitted by the manufacturer, provided it is permanently fitted to the car Yes Yes No
New-for-old replacement vehicle if the car is extensively damaged to the extent that repairs will cost more than 55% of the list price on the date the damage occurred. Vehicle must be less than 12 months old and been owned by you from new. Vehicle must not have done more than 250 miles. Yes Yes No
Uninsured driver promise – if the driver of your car is involved in an accident caused by an uninsured driver, we will refund the cost of any excess you pay in the event of a claim. Where the accident is not your fault and the driver is uninsured, you will not lose your no claims discount Yes No No
Vandalism promise – your no claims discount will not be affected if you need to make a claim for damage caused by vandalism Yes No No
Emergency transport and accommodation – we will pay up to £100 per person with a maximum of £400 per incident for alternative transport or overnight accommodation Yes No 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
Child car seat cover if your car is involved in an accident or damaged – we will pay up to £150 per child seat fitted in your car Yes No No
Windscreen replacement and repairs - no excess is payable for glass repairs. Your no claims discount will not be affected if you make a claim for repairs or replacement Yes No No
Personal belongings up to £500 for personal belongings not permanently fitted to the car, which are lost or damaged following an accident, fire, theft or attempted theft involving the car Yes No No
Medical expenses covered up to £200 Yes No No
Storm and flood damage Yes No No

 

Terms, conditions, limits and exclusions apply. Additional excess may be payable. Please check your policy documents for further information.

  Comprehensive
Unlimited cover for injuries to a third party Yes
Up to a maximum of £20m for damage to a third party's property Yes
Any injury caused to a passenger Yes
Driving abroad - for European trips for up to 60 days for any trip you take within the European Union (at the same level of cover you have in the UK) Yes
No claims discount if you do not make a claim during the period of insurance, the insurer will increase your no claim discount when you renew your policy with us up to 9 years. If you have 4 or more years no claims discount, for an additional premium, you can opt to protect your no claims discount. Yes
Fire & theft cover for loss or damage to the car and its accessories caused by fire, theft or attempted theft Yes
3 year guarantee on repairs carried out by our approved repairers Yes
Collect & return service following a claim – our approved repairers will collect your car, repair it and return it to you Yes
Car audio, navigation and entertainment equipment - cover limit is unlimited for equipment fitted as original equipment by the manufacturer; or £500 for any other equipment not fitted by the manufacturer, provided it is permanently fitted to the car Yes
New-for-old replacement vehicle if the car is extensively damaged to the extent that repairs will cost more than 55% of the list price on the date the damage occurred. Vehicle must be less than 12 months old and been owned by you from new. Vehicle must not have done more than 250 miles. Yes
Uninsured driver promise – if the driver of your car is involved in an accident caused by an uninsured driver, we will refund the cost of any excess you pay in the event of a claim. Where the accident is not your fault and the driver is uninsured, you will not lose your no claims discount Yes
Vandalism promise – your no claims discount will not be affected if you need to make a claim for damage caused by vandalism Yes
Emergency transport and accommodation – we will pay up to £100 per person with a maximum of £400 per incident for alternative transport or overnight accommodation Yes
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
Child car seat cover if your car is involved in an accident or damaged – we will pay up to £150 per child seat fitted in your car Yes
Windscreen replacement and repairs - no excess is payable for glass repairs. Your no claims discount will not be affected if you make a claim for repairs or replacement Yes
Personal belongings up to £500 for personal belongings not permanently fitted to the car, which are lost or damaged following an accident, fire, theft or attempted theft involving the car Yes
Medical expenses covered up to £200 Yes
Storm and flood damage Yes

 

  Third Party Fire & Theft Third Party only

 

Unlimited cover for injuries to a third party Yes Yes
Up to a maximum of £20m for damage to a third party's property Yes Yes
Any injury caused to a passenger Yes Yes
Driving abroad - for European trips for up to 60 days for any trip you take within the European Union (at the same level of cover you have in the UK) Yes Yes
No claims discount if you do not make a claim during the period of insurance, the insurer will increase your no claim discount when you renew your policy with us up to 9 years. If you have 4 or more years no claims discount, for an additional premium, you can opt to protect your no claims discount. Yes Yes
Fire & theft cover for loss or damage to the car and its accessories caused by fire, theft or attempted theft Yes No
3 year guarantee on repairs carried out by our approved repairers Yes Yes
Collect & return service following a claim – our approved repairers will collect your car, repair it and return it to you Yes No
Car audio, navigation and entertainment equipment - cover limit is unlimited for equipment fitted as original equipment by the manufacturer; or £500 for any other equipment not fitted by the manufacturer, provided it is permanently fitted to the car Yes No
New-for-old replacement vehicle if the car is extensively damaged to the extent that repairs will cost more than 55% of the list price on the date the damage occurred. Vehicle must be less than 12 months old and been owned by you from new. Vehicle must not have done more than 250 miles. Yes No
Uninsured driver promise – if the driver of your car is involved in an accident caused by an uninsured driver, we will refund the cost of any excess you pay in the event of a claim. Where the accident is not your fault and the driver is uninsured, you will not lose your no claims discount No No
Vandalism promise – your no claims discount will not be affected if you need to make a claim for damage caused by vandalism No No
Emergency transport and accommodation – we will pay up to £100 per person with a maximum of £400 per incident for alternative transport or overnight accommodation No 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 No No
Child car seat cover if your car is involved in an accident or damaged – we will pay up to £150 per child seat fitted in your car No No
Windscreen replacement and repairs - no excess is payable for glass repairs. Your no claims discount will not be affected if you make a claim for repairs or replacement No No
Personal belongings up to £500 for personal belongings not permanently fitted to the car, which are lost or damaged following an accident, fire, theft or attempted theft involving the car No No
Medical expenses covered up to £200 No No
Storm and flood damage No No

Terms, conditions, limits and exclusions apply. Additional excess may be payable. Please check your policy documents for further information.

*Terms and Conditions

Terms and Conditions

Guaranteed to beat renewal price by £50 for Over 50s Car Insurance customers

 

1. This offer applies to new Post Office Money Car Insurance customers only, purchasing a Car Insurance policy and who are 50 years of age or over 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 Money Car Insurance policy within 14 days prior to the start date of their new Post Office Money Car Insurance policy are not eligible for this offer. 


2. The policy must be purchased directly with Post Office Money and is not available via price comparison websites. Policies purchased directly with Post Office Money using a quote reference obtained from the comparison website, will not be eligible for the offer. 


3. Your car insurance quotation with Post Office Money must be on an equivalent basis matching your current cover levels and personal details with your existing insurer including the voluntary excess, but excluding any additional products and instalment charges. 


4. Subject to the qualifying criteria we guarantee to beat the renewal premium offered by your existing insurer and save you at least £50 provided you purchase the policy. 


5. If the Post Office Money Car Insurance quotation is the same as your existing insurer, then we will pay you back £50 only. 


6. If the Post Office Money Car Insurance quotation is less than £50 cheaper than your existing insurer, we will pay you the difference to make up the value of £50. 


7. If the Post Office Money Car Insurance quotation is more than £50 cheaper than your existing insurer, you are not eligible for the payment. 


8. Your premiums will be based on your initial insurance quotation and the guarantee payback will only apply once the qualifying criteria is satisfied. 


9. To qualify for the offer you will be required to send us a copy of the documentation to prove your existing cover levels and premium details with your current insurer. You will be advised in your policy documentation where to send your documents. You must send your documents within 30 days of purchasing your policy. Post Office Money will not be able to return any documentation sent to us in conjunction with this offer.

 
10.If you fail to provide documentation or where the documentation does not meet the qualifying criteria, Post Office Money will not make any guarantee payback and the policy will continue to be charged at the quoted rate and will be subject to standard charges and fees. 


11.The guarantee payback will be paid into the account or refunded onto the debit/credit card from which the initial payment was made approximately 60 days after the policy has been in force and provided the policy has not been cancelled during this period or where the premium is being paid on a monthly basis all instalments are up to date. 


12.No guarantee payback is payable in respect of any subsequent amendments made to the policy. 


13.If the policy is cancelled for any reason within 12 months of the commencement date, we reserve the right to reclaim any guarantee payback, together with the standard charges and fees as set out in your policy documents. 


14.We reserve the right to vary or withdraw this offer at any time. 


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


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

 

Call charges

0330 & 0345: Calls to 03 numbers will cost no more than calling a standard geographic number starting with 01 or 02 from your fixed line or mobile and may be included in your call package dependent on your service provider. Calls may be monitored or recorded for training and compliance purposes.

Protect what matters in minutes. Get car insurance today.

Small print

Post Office Money® Over 50s Car Insurance is arranged and administered by BISL Limited. BISL Limited arranges policies from a panel of insurers, details are available upon request from BISL Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited. 

BISL Limited is authorised and regulated by the Financial Conduct Authority, FRN 308896. BISL Limited is registered in England. Registered number 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

Get Over 50s Car Insurance

Can we help?

To get a quote over the phone or for general enquiries call:

0330 018 3770 8am-10pm, Mon-Fri
8am-6pm, Sat
10am-4pm, Sun & Bank Holidays

To speak to our Customer Service Team call:

0345 073 1002 8am-10pm, Mon-Fri
8am-6pm, Sat
10am-4pm, Sun & Bank Holidays

For renewals call:

0330 018 4082 8am-10pm, Mon-Fri
8am-6pm, Sat
10am-4pm, Sun & Bank Holidays

Claims

To make a claim call:

0345 073 1005 Claims line is open 24 hours a day

Next Generation Text Service


We welcome calls from the Next Generation Text Service. If you want to communicate with one of our representatives add 18001 before the number you require.

Log in or register to use our Self Service Centre where you can access your policy, download your documents and make adjustments to your policy.