Home Insurance

  • We guarantee to beat your home insurance renewal quote by at least £50 *
  • Your Money Best Direct Home & Contents Insurance Provider - 2015 **
  • Add cover for legal costs, unexpected accidents and more
Overview

Key benefits

  • UK-based contact centres
  • Extra protection^: enjoy an extra 10% contents cover for Christmas, other religious festivals and weddings when high value items may be in your home.
  • New for old: applies to contents insurance only. Conditions and exclusions apply, within your chosen limits of cover, full details available in policy document. Our standard "new for old" policy protects your contents against damage by fire, smoke, subsidence, malicious damage, theft (limitations apply to theft from outbuildings and garages), storm, explosion, lightning and flood. It also covers accidental damage to satellite equipment, televisions, and their aerials, digital receivers, radios, computers and ancillary equipment (excludes portable devices) and other audio and video equipment.
  • 24-hour claims line: fast, friendly expert service

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

Let us beat your renewal quote by at least £50 *

How it works

If the policy you buy from us is the same as your existing insurer's renewal invitation, we guarantee to beat your renewal price by £50. We will provide you with our price and if that doesn’t beat your existing renewal premium by at least £50 we will refund the difference between our policy and your renewal policy, plus the £50.

The table below gives some examples on how it works.

Your current renewal premium Post Office quoted renewal premium Payback
£300 £400 £150
£300 £290 £40
£350 £300 £0

 

If we beat your existing insurer’s renewal price on a “like for like” basis, you’ll receive the difference in price only.

A bit more detail

"Like for like basis”  means that as well as obvious things like the address being the same, the 4 things listed below must be the same in both policies. If these do not match we may not be able to make your Guarantee to Beat refund. You have 30 days to provide your proofs and it may take us up to 30 days more to make your refund. You can call us at any point on 0345 073 1002 to discuss this if you have any questions.

Cover type Accidental Damage
Personal belongings cover Total Excess

 

Please note that the price of optional add ons like Home Assistance and Family Legal Protection are not included in this offer

When we have confirmed the policies are like for like, we’ll pay you back the difference plus £50.

Home Insurance Award


Your Money Best Direct Home & Contents Insurance Provider - 2015

** Post Office has been voted the winner of the 'Best Home & Contents Insurance Provider' by Your Money. Post Office was judged by a panel of readers on the quality of service provided in conjunction with BISL Limited.

 



Add cover for legal costs, unexpected accidents and more.

Our flexible policy gives you the option to add extra cover at an additional cost. Please see policy documents for further details.

Family Legal Protection is available and provides cover up to £50,000 including:

  • Disputes over the buying and selling of goods and services
  • Residential disputes with your neighbours
  • Making a claim for personal injury
  • Unfair treatment or dismissal by an employer
  • 24/7 advice helpline

Family Legal Protection is administered by ACM ULR Limited and underwritten by AmTrust Europe Limited

Add full Accidental Damage to your policy and protect your home contents against unexpected accidents.

Cover your personal possessions against loss or damage away from home. Certain items like jewellery, cameras, pedal cycles, mobile phones, camcorders, handbags and their contents must be named and are covered as an individual item with a limit of £1,500. We give you cover for up to £350 cash and up to £500 credit cards. Bicycles are also included in this section up to £350 for each bike - bicycles worth more than £350 should be listed individually in the Specified Bicycles section.

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

Home Assistance gives you peace of mind that you will receive prompt assistance in the event of a domestic emergency. It provides cover for events such as plumbing and drainage emergencies or if you have no hot water or electricity.

Home Assistance is administered by ARAG plc and underwritten by AmTrust Europe Limited

Home Assistance will cover:

  • cover for total failure or breakdown of your main hot water or central heating system, as long as it has been serviced no more that 12 months before the emergency, and is no more than 15 years old
  • plumbing and drainage emergencies
  • cover for gas and electricity supply failures
  • all work carried out by approved tradesmen is guaranteed for 12 months
  • cover for certain pest infestation in your home
  • up to £250 overnight accommodation costs if you have to leave your home due to an emergency
  • Up to 2 hours labour and/or parts and material costs up to £100. Maximum per year is £1000

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

What's covered?
Buildings Insurance Contents Insurance
Protects the physical structure of your home (and permanent fixtures such as kitchen units and wallpaper) against fire, storm, flood, theft, vandalism, leaks and subsidence. Covers your personal possessions against loss or damage in and away from the home. This includes items such as, cameras, mobile phones, tablets computers, handbags and their contents and bicycles up to a value of £1500 per item (£350 of bicycles). You can select a level of cover to suit your needs. Any individual items worth over £1,500 (£350 for bicycles) must be individually listed.

It covers:

  • accidental damage – in case you put your foot through the ceiling or break a window

It gives you:

  • ^ 10% extra contents cover for Christmas, weddings and other religious festivals when you’re likely to have extra valuables in your home - for one month before and after the event
  • Contents replaced on a new-for-old basis (exclusions apply)
  • Protection against accidental damage to TVs, DVD players, hi-fi and computers

  • Replacement locks and keys to a maximum of £500 per incident
  • Garden contents cover up to £1,000 in total during the period of insurance - individual item limits apply.
Combined Home Insurance
This covers both the building and its contents  

 

*Terms and conditions

Beat your renewal quote by £50 – terms and conditions of our guarantee

  1. This offer applies to new Post Office Money® Home Insurance customers only, purchasing either a Buildings, Contents or Combined Buildings & Contents Insurance policy. Customers who are renewing or amending an existing policy or who have held a Post Office Money Home Insurance policy within 14 days prior to the start date of their new Home Insurance policy are not eligible for this offer.
  2. This offer excludes properties suffering from subsidence.
  3. The policy must be purchased directly with Post Office Money® Insurance 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.
  4. Your insurance quotation with Post Office Money must be on an equivalent basis matching your cover levels with your existing insurer including the voluntary excess, but excluding any additional products, instalment charges and fees.
  5. 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.
  6. If the Post Office Money quotation is the same as your existing insurer, then we will pay you back £50 only.
  7. If the Post Office Money quotation is less than £50 cheaper than your existing insurer, we will pay you the difference to make up the value of £50.
  8. If the Post Office Money quotation is more than £50 cheaper than your existing insurer, you are not eligible for the payment.
  9. Your premiums will be based on your initial insurance quotation and the guarantee payback will only apply once the qualifying criteria are satisfied.
  10. 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 to. 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.
  11. 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.
  12. 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.
  13. No guarantee payback is payable in respect of any subsequent amendments made to the policy.
  14. 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.
  15. We reserve the right to vary, withdraw or extend this offer at any time.
  16. 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.
  17. This offer is not available in conjunction with any other offer.

Definitions

^Extra 10% contents cover for Christmas, other religious festivals and special events: This applies to contents insurance only. Conditions and exclusions apply, within your chosen limits of cover. For full details refer to the policy document.

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.

Small print

Post Office Money® Home Insurance is arranged and administered by BISL Limited. BISL Limited arranges policies from a panel of insurers, details are available on 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 and Wales. 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).

Can we help?

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

0330 018 8207 8am-10pm, Mon-Fri
8am-6pm, Sat
10am-4pm, Sun

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.