Over 50s Car Insurance

Car insurance cleaning car

We guarantee to beat your car insurance renewal quote by at least £50.

Key benefits

  • Free KeycareThe free Keycare cover offer is attached to the main car insurance policy and will be included at no extra cost for the life of your car insurance policy and will end if and when the car insurance policy ends for the life of your policy, for over 50s customers: up to £1,000 cover for the replacement of lost or stolen keys
  • 24-hour claims line: fast, friendly, expert service when you need it
  • Immediate cover: get a quote and be insured within minutes
Post Office® Over 50's Car Insurance is arranged and administered by BISL Limited
The Keycare cover is administered by Keycare and the insurer is Ageas Insurance Limited.

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

  • No claims discount for up to nine years
  • 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 of up to 60 days for any trip taken in the European Union
  • A three-year guarantee on all approved claims repairs

Let us beat your renewal quote

If you’re over 50 we’ll guarantee to beat your car insurance renewal quote by at least £50 as long as you take our policy, subject to the offer terms and conditions.

We’ll provide you with a quote. Once you’ve agreed it and gone ahead with the policy we’ll ask you to send us your relevant documentation from your existing provider. If we’re happy that our policy is on a like-for-like basis with your existing insurance, we’ll pay you back the difference plus £50.

How it works

  Your current renewal premium Post Office quoted premium Payback after 60 days
Example 1 £300 £400 £150
Example 2 £300 £290 £40
Example 3 £350 £300 £0

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

You get free KeycareThe free Keycare cover offer is attached to the main car insurance policy and will be included at no extra cost for the life of your car insurance policy and will end if and when the car insurance policy ends, exclusive for over 50's customers, for the life of your policy. This includes 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.

Tailor your Car Insurance to suit you
Add Breakdown Cover, Motor Legal Protection or Guaranteed Replacement Car cover to your policy.

Breakdown cover is provided by RAC Motoring Services. The Keycare cover is administered by Keycare and the insurer is Ageas Insurance Limited. Motor Legal Protection is underwritten by Am Trust Europe Limited.

Add Roadside AssistanceThis covers you when you’re more than a quarter of a mile away from home. The RAC will aim to fix your car at the roadside but if that’s not possible, you will be towed to an approved garage or a destination of your choice (up to 10 miles)., Recovery, 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. Breakdown cover levels to your policy and avoid getting caught out if your car breaks down.

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.

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

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

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.

At least £50: Terms and conditions apply. Please click on the Offer Terms and Conditions tab above for full details. Only available direct with Post Office in branch, by phone or online at postoffice.co.uk.

Free Keycare: The free Keycare cover offer is attached to the main car insurance policy and will be included at no extra cost for the life of your car insurance policy and will end if and when the car insurance policy ends.

Motor accessories: Whether fitted to the car or stored in your garage.

New-for-old replacement vehicle: Vehicle must be less than 12 months old and has been owned by you from new.

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

Roadside Assistance: This covers you when you’re more than a quarter of a mile away from home. The RAC will aim to fix your car at the roadside but if that’s not possible, you will be towed to an approved garage or a destination of your choice (up to 10 miles).

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
Damage to a third party when towing, including trailers and caravans within the UK (£20m limit) Yes Yes Yes
Foreign travel – 60 days per trip in EU countries 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 accessoriesWhether fitted to the car or stored in your garage. cover, excluding trailers and any sound equipment Yes Yes No
Accidental damage to your car, including windscreen and windows repair Yes No No
New-for-old replacement vehicle Vehicle must be less than 12 months old and has been owned by you from new.- 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. The car must have been bought as new within the last twelve months 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

Offer terms and conditions

Guaranteed to beat by £50 & free KeycareThe free Keycare cover offer is attached to the main car insurance policy and will be included at no extra cost for the life of your car insurance policy and will end if and when the car insurance policy ends for the life of the policy offer for over 50's Car Insurance customers

  1. This offer applies to new Post Office® Car Insurance customers only, purchasing a Car Insurance policy 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 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 Insurance and is not available via price comparison websites. Policies purchased directly with Post Office using a quote reference obtained from the comparison website will not be eligible for the offer.
  3. Your Car Insurance quotation with Post Office 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, instalment charges and fees.
  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 quotation is the same as your existing insurer, then we will pay you back £50 only.
  6. If the Post Office 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 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 are 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 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 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 no more than 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. The free KeycareThe free Keycare cover offer is attached to the main car insurance policy and will be included at no extra cost for the life of your car insurance policy and will end if and when the car insurance policy ends cover offer is attached to the main Car Insurance policy and will be included at no extra cost for the life of your Car Insurance policy and will end if and when the Car Insurance policy ends.
  15. There is no cash alternative. In the event that the policy ends, no refund will be due in respect of the Keycare cover.
  16. The free KeycareThe free Keycare cover offer is attached to the main car insurance policy and will be included at no extra cost for the life of your car insurance policy and will end if and when the car insurance policy ends cover cannot be transferred to any other policy.
  17. The Keycare Cover is admistered by Keycare and the insurer is Ageas Insurance Limited. For full terms & conditions of the products, please see policy wording.
  18. We reserve the right to vary, withdraw or extend this offer at any time.
  19. 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.
  20. This offer is not available in conjunction with any other offer.
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Small print

Post Office® Over 50’s 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.

Calls may be monitored or recorded for training purposes. Call cost may vary depending upon your service provider.

Breakdown cover is provided by RAC Motoring Services. The 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 administered by 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 the insurer is Ageas Insurance Limited. Motor Legal Protection is underwritten by Am Trust Europe Limited.

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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-2pm, 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-2pm, 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-2pm, 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. 0731 005

Claims line is open 24 hours a day

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