Family at home in the kitchen talking & eating breakfast

Under 50s Home Insurance

  • We guarantee to beat your home insurance renewal quote by at least £50 *
  • 2016 winner of Your Money Best Direct Home & Contents Insurance Provider **
Overview

We'll beat your renewal quote by at least £50 * – here's how

If you choose a Post Office Money® policy that's the same as the renewal invitation from your existing insurer, we guarantee to be £50 cheaper.

We'll provide you with our price and, if it doesn't beat your existing renewal premium by at least £50, we'll refund the difference between the two policies – plus the £50.

Here's how it works:

Your current renewal premium Post Office Money 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.

Fast, friendly and expert 24/7 service

Talk to our UK-based contact centre team at any time of the day or night. We aim for you to be able to enjoy fast, friendly and expert service when you call our 24-hour claims line.

Extra 10% contents cover – it's a gift

Our extra 10% contents cover provides even greater protection when you have high value items at home during special events. From wedding gifts to Christmas presents, we hope to provide peace of mind on the protection of your prized possessions.

In with the new

We'll replace your damaged or stolen items as part of our standard ‘new-for-old' contents insurance policy. It protects your contents against damage by fire, smoke, subsidence, storm, explosion, lightning, flood, malicious damage and theft (limitations apply to theft from outbuildings and garages). You're also covered for accidental damage to home entertainment appliances such as TVs, satellite equipment, aerials, digital receivers, radios and PCs, along with other audio and video equipment (excluding portable devices).

Add cover for legal costs, unexpected accidents and more

Our flexible policy gives you the option to add extra cover at an additional cost. You'll find more details in your policy documents.

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. These are covered as individual items 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. Cycles worth more than £350 should be listed individually in the Specified Bicycles section.

Full Accidental Damage can be added to your policy to protect your home contents against unexpected accidents.

Home Assistance hopes to give you peace of mind that you'll 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 provides cover for:

  • Total failure or breakdown of your main hot water or central heating system, as long as it's been serviced no more than 12 months before the emergency, and is no more than 15 years old
  • Plumbing and drainage emergencies
  • Gas and electricity supply failures
  • Up to two hours of labour and/or parts and material costs up to £100 (maximum £1,000 a year) – with all work carried out by approved tradesmen guaranteed for 12 months
  • Certain pest infestation in your home
  • Up to £250 overnight accommodation costs if you have to leave your home due to an emergency

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

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

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

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

A little more detail

Once you've purchased from us, we'll ask you to send us the relevant documents from your existing provider – you'll find a prepaid envelope for this in your policy pack. We can then check that your existing policy and your new policy with us are ‘like for like'.

What do we mean by 'like for like'?

It means that as well as obvious details like the address being the same, you'll need these four elements to be included in both policies to benefit from our guarantee:

  • Cover type
  • Accidental Damage
  • Personal belongings cover
  • Total Excess

If they don't all match, we may not be able to provide your refund. You'll have 30 days to provide your proofs.

When we've confirmed the policies are like for like, we'll pay you back the difference – plus that £50. Then we'll need up to 30 days to process and provide your refund.

Get in touch at any time on 0345 073 1002 to chat through your options to make sure you benefit from our price guarantee.

Please note that the price of optional add-ons like Home Assistance and Family Legal Protection aren't included in this offer.

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 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 Money 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 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.
  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 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® Under 50s 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 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

To renew your policy 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.