Home Insurance

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.

Offer ends on the 30th of September 2013. 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.

Guaranteed to beat by £50 offer terms and conditions. Extended from 1st October 2012 to 30th September 2013.

1. This offer applies to new Post Office® Home Insurance customers only, purchasing either a Buildings, Contents or Combined buildings & contents insurance policy up to and including 30 September 2013. 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. This date represents an extension to the previous offer closing date of 30 September 2012 which no longer applies.
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 is open up to and including 30 September 2013, however, 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.