Over 50s Car Insurance

Get a £30 Amazon.co.uk Gift Card, M&S Gift Cardor Argos Gift Card* when you buy a new Post Office Over 50s Car Insurance Policy.

*T&Cs apply

Enjoy peace of mind with our 5 Star Defaqto rated cover, with features that matter to you

Why choose Over 50s Car Insurance?

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

Defaqto logo

5 Star Defaqto rated cover - Enjoy peace of mind with our 5 star Defaqto rated cover, with features that matter to you.
Uninsured driver promise - if the driver of your car is involved in an accident caused by an uninsured driver, we will refund the cost of any excess you pay in the event of a claim. In this scenario your no claims disocunt would also be unaffected.
UK-based contact centre and 24-hour claims line - fast, friendly, expert service.
Vandalism promise - your no claims discount will not be affected if you need to make a claim for damage caused by vandalism, as long as you notify the police and provide a crime reference number.
Emergency transport and accommodation - we will pay up to £100 per person with a maximum of £400 per incident for alternative transport or overnight accommodation.
Child Car Seat cover - if your car is involved in an accident or damaged following a fire or theft we will pay up to £150 per child seat fitted in your car.
Courtesy car - to keep you on the road whilst an approved repairer fixes your car (subject to availability and the supplying garage terms and conditions)
Driving abroad - cover whilst travelling within the EU to the same level as your UK cover (up to a maximum of 60 days in any period of insurance.)
Windscreen replacement and repairs when you call our Glass Helpline.
3 year guarantee on repairs carried out by our approved repairers.

Do remember that conditions and exclusions apply to your Car insurance cover. Please check the policy documents for these details and for any excesses applicable.

Car insurance optional extras^

Post Office Over 50s Car Insurance comes with a number of optional extras for you to create the car insurance package that suits you:

Add Motor Legal Protection for up to £100,000 of legal expenses to help recover uninsured losses. Claim compensation if you're unable to use your vehicle or are injured or killed as a result of a car accident which was not your fault. You could also claim for your policy excess and claim repair costs if you're not at fault for an accident and if you don't have comprehensive car insurance.

Motor Legal Protection is underwritten by RAC Insurance Ltd.

Take out Keycare Cover and get 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 for up to 3 days.

Keycare cover is administered by Ageas Insurance Limited.

The Guaranteed Replacement Car cover is ideal if your car is stolen or can’t be driven.

Guaranteed Replacement Car Cover is administered by ACM and underwritten by ARAG plc, a Coverholder of the insurer ARAG Allegemeine Vesicherungs - AG Branch United Kingdom.

Optional Breakdown Cover to avoid getting caught out if your car breaks down. Add Roadside Assistance, Recovery, RAC At Home and Onward Travel to your policy.

Breakdown cover is provided by RAC Motoring Services.

^Optional extras are available at an additional charge. Do remember that in addition to features and benefits, limits and exclusions may also apply to your Car insurance extra cover. Please check the policy documents for details.

	Comprehensive	Third Party Fire & Theft	Third Party only
Unlimited cover for injuries to a third party	Yes	Yes	Yes
Up to a maximum of £20m for damage to a third party's property	Yes	Yes	Yes
Any injury caused to a passenger	Yes	Yes	Yes
Driving abroad - cover whilst travelling within the EU to the same level as your UK cover (up to a maximum of 60 days in any period of insurance.)	Yes	Yes	Yes
Your no claims discount will increase when you renew with us up to a maximum of 9 years if you do not make a claim. However, any change in the level of your no claims discount does not guarantee that your premium will not rise.	Yes	Yes	Yes
Loss or damage to your car and its accessories caused by fire, theft or attempted theft.	Yes	Yes	No
3 year guarantee on repairs carried out by our approved repairers	Yes	Yes	No
Collect & return service following a claim – our approved repairers will collect your car, repair it and return it to you	Yes	Yes	No
Car audio, navigation and entertainment equipment - cover limit is unlimited for equipment fitted as original equipment by the manufacturer; or £500 for any other equipment not fitted by the manufacturer, provided it is permanently fitted to the car	Yes	Yes	No
New car benefit is available in the following conditions: Loss or damage in the first 12 month since car was registered; You or your partner are the first registered keeper; You own the car; Cost of damage is over 55% of the cost of buying an identical new car.	Yes	Yes	No
Uninsured driver promise – if the driver of your car is involved in an accident caused by an uninsured driver, we will refund the cost of any excess you pay in the event of a claim. Where the accident is not your fault and the driver is uninsured, you will not lose your no claims discount	Yes	No	No
Vandalism promise – your no claims discount will not be affected if you need to make a claim for damage caused by vandalism	Yes	No	No
Emergency transport and accommodation – we will pay up to £100 per person with a maximum of £400 per incident for alternative transport or overnight accommodation	Yes	No	No
Courtesy car - to keep you on the road whilst an approved repairer fixes your car (subject to availability and the supplying garage terms and conditions)	Yes	No	No
Child car seat cover if your car is involved in an accident or damaged – we will pay up to £150 per child seat fitted in your car	Yes	No	No
Windscreen replacement and repairs - no excess is payable for glass repairs. Your no claims discount will not be affected if you make a claim for repairs or replacement	Yes	No	No
Personal belongings up to £500 for personal belongings not permanently fitted to the car, which are lost or damaged following an accident, fire, theft or attempted theft involving the car	Yes	No	No
Medical expenses covered up to £200	Yes	No	No

Do remember that conditions and exclusions apply to your Car insurance cover. Please check the policy documents for these details and for any excesses applicable.

	Comprehensive
Unlimited cover for injuries to a third party	Yes
Up to a maximum of £20m for damage to a third party's property	Yes
Any injury caused to a passenger	Yes
Driving abroad - for European trips for up to 60 days for any trip you take within the European Union (at the same level of cover you have in the UK)	Yes
No claims discount if you do not make a claim during the period of insurance, the insurer will increase your no claim discount when you renew your policy with us up to 9 years. If you have 4 or more years no claims discount, for an additional premium, you can opt to protect your no claims discount.	Yes
Fire & theft cover for loss or damage to the car and its accessories caused by fire, theft or attempted theft	Yes
3 year guarantee on repairs carried out by our approved repairers	Yes
Collect & return service following a claim – our approved repairers will collect your car, repair it and return it to you	Yes
Car audio, navigation and entertainment equipment - cover limit is unlimited for equipment fitted as original equipment by the manufacturer; or £500 for any other equipment not fitted by the manufacturer, provided it is permanently fitted to the car	Yes
New-for-old replacement vehicle if the car is extensively damaged to the extent that repairs will cost more than 55% of the list price on the date the damage occurred. Vehicle must be less than 12 months old and been owned by you from new. Vehicle must not have done more than 250 miles.	Yes
Uninsured driver promise – if the driver of your car is involved in an accident caused by an uninsured driver, we will refund the cost of any excess you pay in the event of a claim. Where the accident is not your fault and the driver is uninsured, you will not lose your no claims discount	Yes
Vandalism promise – your no claims discount will not be affected if you need to make a claim for damage caused by vandalism	Yes
Emergency transport and accommodation – we will pay up to £100 per person with a maximum of £400 per incident for alternative transport or overnight accommodation	Yes
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
Child car seat cover if your car is involved in an accident or damaged – we will pay up to £150 per child seat fitted in your car	Yes
Windscreen replacement and repairs - no excess is payable for glass repairs. Your no claims discount will not be affected if you make a claim for repairs or replacement	Yes
Personal belongings up to £500 for personal belongings not permanently fitted to the car, which are lost or damaged following an accident, fire, theft or attempted theft involving the car	Yes
Medical expenses covered up to £200	Yes
Storm and flood damage	Yes

	Third Party Fire & Theft	Third Party only
Unlimited cover for injuries to a third party	Yes	Yes
Up to a maximum of £20m for damage to a third party's property	Yes	Yes
Any injury caused to a passenger	Yes	Yes
Driving abroad - for European trips for up to 60 days for any trip you take within the European Union (at the same level of cover you have in the UK)	Yes	Yes
No claims discount if you do not make a claim during the period of insurance, the insurer will increase your no claim discount when you renew your policy with us up to 9 years. If you have 4 or more years no claims discount, for an additional premium, you can opt to protect your no claims discount.	Yes	Yes
Loss or damage to your car and its accessories caused by fire, theft or attempted theft.	Yes	No
3 year guarantee on repairs carried out by our approved repairers	Yes	No
Collect & return service following a claim – our approved repairers will collect your car, repair it and return it to you	Yes	No
Car audio, navigation and entertainment equipment - cover limit is unlimited for equipment fitted as original equipment by the manufacturer; or £500 for any other equipment not fitted by the manufacturer, provided it is permanently fitted to the car	Yes	No
New car benefit is available in the following conditions: Loss or damage in the first 12 month since car was registered; You or your partner are the first registered keeper; You own the car; Cost of repair is more than 55% of the cost of buying an identical new car.	Yes	No
Uninsured driver promise – if the driver of your car is involved in an accident caused by an uninsured driver, we will refund the cost of any excess you pay in the event of a claim. Where the accident is not your fault and the driver is uninsured, you will not lose your no claims discount	No	No
Vandalism promise – your no claims discount will not be affected if you need to make a claim for damage caused by vandalism	No	No
Emergency transport and accommodation – we will pay up to £100 per person with a maximum of £400 per incident for alternative transport or overnight accommodation	No	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	No	No
Child car seat cover if your car is involved in an accident or damaged – we will pay up to £150 per child seat fitted in your car	No	No
Windscreen replacement and repairs - no excess is payable for glass repairs. Your no claims discount will not be affected if you make a claim for repairs or replacement	No	No
Personal belongings up to £500 for personal belongings not permanently fitted to the car, which are lost or damaged following an accident, fire, theft or attempted theft involving the car	No	No
Medical expenses covered up to £200	No	No
Storm and flood damage	No	No

Terms, conditions, limits and exclusions apply. Additional excess may be payable. Please check your policy documents for further information.

Terms and Conditions

1. This offer applies to new Post Office Car Insurance customers only, purchasing an Over 50s Car Insurance policy directly via the Post Office website or by telephone and who are 50 years of age or over at the time of the purchase of the policy.

2. This offer is not available to customers purchasing via a price comparison website or cash back website. Policies purchased directly with Post Office using a quote reference obtained from the comparison website, will not be eligible for the offer.

3. 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.

4. Participation in this offer is deemed acceptance of these terms and conditions.

5. The offer entitles each new customer to one Amazon.co.uk Gift Card, M&S Gift Card or Argos Card to the value of £30 (‘The Gift’).

6. Customers will receive an email the next working day after they have purchased their policy or alternatively will receive a letter 14 days after they have purchased their policy which will give instructions on how to redeem their Gift.

7. To choose a Gift, the customer must click on the link in their email, enter their postcode and the unique code provided in their email to login, and select one of the three Gift options in the Online Gift Portal. Alternatively, the customer must fill in the claim form provided with their ‘how to claim’ letter and return the claim form using the freepost envelope provided or call the telephone number provided on the claims form to redeem their Gift.

8. If the policy is cancelled within 14 days of purchasing, the customer will no longer be eligible for the Gift.

9. Customers will have 30 days from receiving their email to login and choose their Gift. Alternatively, the customer will have 30 days from the date on their ‘how to claim’ letter to complete and return their claim form with their chosen gift option or to call the telephone number provided on the claims form to redeem their Gift.

10. The Gift will be dispatched within 28 days of being claimed but in all cases, only after 14 days from the start of the policy. Gifts will not be dispatched if the customer cancels their policy within 14 days of purchasing their policy.

11. Each Gift is subject to its own terms and conditions. The terms and conditions are available here: Amazon.co.uk - (www.amazon.co.uk/gp/help/customer/display.html?nodeId=200272910); M&S - (http://help.marksandspencer.com/support/legal-and-ethical/gift-card-policy/); and Argos – (www.argos.co.uk/help/terms-and-conditions/).

12. This offer and terms and conditions can be extended, withdrawn, amended, substituted or cancelled at any time.

13. This offer cannot be used in conjunction with any other offer. The offer and any Gift is not transferable or exchangeable, and cannot be redeemed for cash.

14. This offer is being administered and managed by The Marketing Lounge Partnership Limited, The Stables, Home Farm, Mere, Knutsford, Cheshire WA16 0PX on behalf of Post Office Management Services Limited (‘the Promoter’).

15. The Marketing Lounge will only use any personal data provided to it to administer the Promotion and for no other purpose. Please see the Privacy Policy for more information on how Post Office uses data and how long it will be retained for.

16. The Promoter does not accept any liability for any loss or damage occurring as a result of taking up the Gift, except where it is caused by the negligence of the Promoter.

17. The Promoter is not responsible if a Gift is lost, stolen, destroyed or redeemed without permission.

18. For any queries relating to the Offer please call the Customer Helpline on 01565 656 264. Calls are charged at national rate. Lines are open Monday – Friday 9am-5.30pm.

Brexit: Driving in the EU - Green Card Process

There are two potential scenarios that those intending on driving in the EU from 1 January 2021 need to be aware of.

EU agrees to exempt UK residents from requiring a green card – If the European Commission decides to exempt UK drivers from requiring proof of motor insurance – known as a ‘green card’ – to drive in the EU and EEA, we will not be issuing these to customers. Your Certificate of Insurance will provide the required proof of insurance.

UK residents require a green card to Drive in EU / EEA – If the European Commission decides that UK drivers need to carry a green card for driving in the EU and EEA, you can get one by contacting us.

- If you are travelling before 31 December 2020 and returning to the UK after 1 January 2021 - please contact us and we will arrange for a green card to be sent to you in case it may be required.

- If you are travelling after 1 January 2021 - please contact us 21 days before you are travelling and we will arrange for one to be sent to you if required.

Those who travel without a green card may be breaking the law and may not be allowed to drive in the country they are visiting. Vehicles towing a trailer or caravan will also need a separate green card for the trailer or caravan.

Northern Ireland customers We will automatically be issuing green cards to all existing customers who have a live policy on 30 November 2020 and a policy end date after 1 January 2021, just in case it will be required. These have been posted out to you and will cover you up to the end of your policy. If you are purchasing or renewing a policy from 1 December 2020 onwards, please get in touch with us and we will arrange for one to be sent to you if required.

Please keep an eye on this page and the following websites for further updates around any changes to requirements.

Driving Abroad

Driving Permits

The Motor Insurance Bureau

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.

Protect what matters in minutes. Get Over 50s Car Insurance today.

Small print

Post Office® Over 50s Car Insurance is arranged and administered by BISL Limited. BISL Limited arranges policies from a panel of insurers, details are available 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.

BISL Limited is authorised and regulated by the Financial Conduct Authority, FRN 308896. BISL Limited is registered in England. 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).

Get Over 50s Car Insurance

Can we help?

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

0330 018 3770 8am-8pm, Mon-Fri
9am-5pm, Sat
10am-4pm, Sun & Bank Holidays

To speak to our Customer Service Team call:

0345 073 1002 8am-8pm, Mon-Fri
9am-5pm, Sat
10am-4pm, Sun & Bank Holidays

For renewals call:

0330 018 4082 8am-8pm, Mon-Fri
9am-5pm, 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.