Home Insurance

mopping the floor

We guarantee to beat your renewal quote by at least £50, we’ll consult our panel of insurers to find the best deal for you.

Key benefits

  • Extra protection: enjoy an extra 10% contents cover for ChristmasThis applies to contents insurance only. Conditions and exclusions apply, within your chosen limits of cover, full details available in policy document., 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 non-portable home entertainment equipment, such as televisions, recording and audio equipment, televisions games, monitors and printers.
  • 24-hour claims line: so we’re there when you need us
Post Office® Home Insurance is arranged and administered by BISL Ltd.

Let us beat your renewal quote

We guarantee to beat your buildings, contents or combined home insurance renewal by at least £50, 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 renewal invitation from your existing provider. If we’re happy that it’s a like-for-like policy, based on three criteria, we’ll pay you back the difference plus £50.

  Your current renewal premium Post Office quoted premium Payback after 60 days
Example 1 £200 £300 £150
Example 2 £200 £190 £40
Example 3 £200 £130 £0

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

Add cover for legal costs, unexpected accidents and more

You have the option to add extra cover to your policy if you need it at an additional cost. Please see policy documents for further details.

Family Legal Protection is available for just £24 a year 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 and a 24/7 advice helpline including Eurolaw legal for advice on personal legal problems and Tax advice, for any self assessment or general tax queries. Full details will be sent with your policy.

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

Cover your personal possessions Cover your personal possessions against loss or damage away from home up to a value of £2,000. 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.

Definitions

We guarantee to beat your renewal quote by at least £50: 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. Terms and conditions apply. Please click on the Offer Terms and Conditions tab for full details

Extra 10% contents cover for Christmas: This applies to contents insurance only. Conditions and exclusions apply, within your chosen limits of cover, full details available in policy document.

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.


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.

Cover your personal possessionsCertain items like jewellery, cameras, pedal cycles, mobile phones, camcorders, handbags and their contents and laptops 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 . against loss or damage in and away from the home. This covers items such as jewellery, 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 £1500 (£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)
  • cover for contents belonging to any other members of your household while they are living at University up to £1,000
  • protection against accidental damage to TVs, DVD players, hi-fis and computers
  • replacement locks and keys to a maximum of £500 per incident
  • garden contents cover up to £1,000 per incident - individual item limits apply
Combined Home Insurance
This covers both the building and its contents  

Guaranteed to beat by £50 offer terms and conditions.

  1. This offer applies to new Post Office® 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 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® 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.
  4. Your insurance quotation with Post Office 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 quotation is the same as your existing insurer, then we will pay you back £50 only.
  7. 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.
  8. If the Post Office 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. 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.
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Small print

Post Office® Home 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.

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Can we help?

To get a quote over the phone or for general enquiries 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. 121 8207

8am-9pm, Mon-Fri

9am-5pm, Sat

10am-4pm, Sun

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. 0731 005

Claims line is open 24 hours a day

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