Over 50s Car Insurance

Get a £30 Amazon.co.uk Gift Card*, M&S Gift Card*or 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

Overview

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 carto 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 is administered by ACM ULR Limited. Underwritten by UK General Insurance Limited on behalf of Great Lakes Insurance SE.

  • 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.

What's Covered
  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.

*T&Cs

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 free 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 free 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 customer cancels their policy within 14 days of purchasing their policy they will no longer be eligible for the free 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 free 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.
 

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-10pm, Mon-Fri
8am-6pm, Sat
10am-4pm, Sun & Bank Holidays

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.