Enjoy peace of mind with our 5 Star Defaqto rated cover, with features that matter to you
UK-based contact centre and 24/7 claims line – fast, friendly, expert service
3-year guarantee on repairs carried out by our approved repairers
With our comprehensive Car Insurance you could receive all of these great benefits:
3-year guarantee on repairs carried out by our approved repairers
UK-based contact centre and 24/7 claims line – fast, friendly, expert service
Uninsured driver promise – if the driver of your car is involved in an accident caused by an uninsured driver, we’ll refund the cost of any excess you pay in the event of a claim. Your no claims discount won't be affected
Vandalism promise – your no claims discount won’t be affected if you need to claim for damage caused by vandalism, if you notify the police and provide a crime reference number
Windscreen replacement and repairs when you call our Glass Helpline
Emergency transport and accommodation – we'll 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’ll pay up to £150 per child seat fitted in your car
Courtesy car – to keep you on the road while an approved repairer fixes your car (subject to availability and the supplying garage terms and conditions)
Driving abroad – cover while travelling within the EU to the same level as your UK cover (up to a maximum of 60 days in any period of insurance)
Post Office Over 50s Car Insurance comes with several optional extras^ to create the cover package that suits you:
Helps recover legal expenses up to £100,000 and uninsured losses. Claim compensation if you can't use your vehicle or are injured or killed because of a car accident that wasn't your fault. Claim for policy excess and car repairs if an accident isn't your fault or you don't have comprehensive car insurance
Get a 24-hour emergency helpline and up to £1,000 cover per year for replacing lost or stolen keys or reprogramming immobilisers, and £40 a day for up to three days for car hire
Provides access to a car if your car is stolen or can’t be driven
We offer a choice of cover levels. Here’s a summary of their features and the cover they provide.
| Cover features | Included? |
|---|---|
|
Third party injury Unlimited cover for injuries to a third party |
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Damage to third party property Up to a maximum of £20m for damage to a third party's property |
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Passenger injury Any injury caused to a passenger |
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Driving abroad Overseas cover while traveling within the EU to the same level as your UK cover (up to a maximum of 60 days in any period of insurance) |
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No claims discount Your no claims discount will increase when you renew with us up to a maximum of 9 years if you don’t make a claim. Any change in the level of your no claims discount doesn’t guarantee your premium won’t rise |
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Fire and theft Loss or damage to your van and its accessories caused by fire, theft or attempted theft |
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3-year guarantee on repairs When you use our recommended repairers |
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Collect, repair and return of your car Our approved repairers will collect your car, repair it and return it to you |
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Car audio, navigation and entertainment equipment The cover limit is unlimited for equipment fitted as original equipment by the manufacturer. The cover limit is £500 for any other equipment not fitted by the manufacturer, provided it is permanently fitted to the car |
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New car benefit Available if: your car is lost or damaged in the first 12 months since it was registered; you or your partner are the first registered keeper; you own the car; the cost of repair is more than 60% of the cost of buying an identical new car |
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Uninsured driver promise If the driver of your car is involved in an accident caused by an uninsured driver, we’ll refund the cost of any excess you pay in the event of a claim. Where the accident isn’t your fault and the driver is uninsured, you won’t lose your no claims discount |
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|
Vandalism promise Your no claims discount won’t be affected if you need to make a claim for damage caused by vandalism |
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Emergency transport and accommodation We’ll pay up to £100 per person with a maximum of £400 per incident for alternative transport or overnight accommodation |
|
|
Courtesy car Courtesy car while an approved repairer fixes your car (subject to availability and the supplying garage’s terms and conditions) |
|
|
Child car seat cover If your car is involved in an accident or damaged, we’ll pay up to £150 per child seat fitted in your car |
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|
Windscreen replacement and repairs There’s no excess to pay for glass repairs. And making a claim for glass repairs or replacement won’t affect your no claims discount |
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|
Personal belongings Up to £500 of cover 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 |
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Medical expenses Up to £200 of cover |
|
| Cover features | Included? |
|---|---|
|
Third party injury Unlimited cover for injuries to a third party |
|
|
Damage to third party property Up to a maximum of £20m for damage to a third party's property |
|
|
Passenger injury Any injury caused to a passenger |
|
|
Driving abroad Overseas cover while traveling within the EU to the same level as your UK cover (up to a maximum of 60 days in any period of insurance) |
|
|
No claims discount Your no claims discount will increase when you renew with us up to a maximum of 9 years if you don’t make a claim. Any change in the level of your no claims discount doesn’t guarantee your premium won’t rise |
|
|
Fire and theft Loss or damage to your van and its accessories caused by fire, theft or attempted theft |
|
|
3-year guarantee on repairs When you use our recommended repairers |
|
|
Collect, repair and return of your car Our approved repairers will collect your car, repair it and return it to you |
|
|
Car audio, navigation and entertainment equipment The cover limit is unlimited for equipment fitted as original equipment by the manufacturer. The cover limit is £500 for any other equipment not fitted by the manufacturer, provided it is permanently fitted to the car |
|
|
New car benefit Available if: your car is lost or damaged in the first 12 months since it was registered; you or your partner are the first registered keeper; you own the car; the cost of repair is more than 60% of the cost of buying an identical new car |
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|
Uninsured driver promise If the driver of your car is involved in an accident caused by an uninsured driver, we’ll refund the cost of any excess you pay in the event of a claim. Where the accident isn’t your fault and the driver is uninsured, you won’t lose your no claims discount |
 |
|
Vandalism promise Your no claims discount won’t be affected if you need to make a claim for damage caused by vandalism |
|
|
Emergency transport and accommodation We’ll pay up to £100 per person with a maximum of £400 per incident for alternative transport or overnight accommodation |
|
|
Courtesy car Courtesy car while an approved repairer fixes your car (subject to availability and the supplying garage’s terms and conditions) |
|
|
Child car seat cover If your car is involved in an accident or damaged, we’ll pay up to £150 per child seat fitted in your car |
|
|
Windscreen replacement and repairs There’s no excess to pay for glass repairs. And making a claim for glass repairs or replacement won’t affect your no claims discount |
|
|
Personal belongings Up to £500 of cover 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 |
|
|
Medical expenses Up to £200 of cover |
|
| Cover features | Included? |
|---|---|
|
Third party injury Unlimited cover for injuries to a third party |
|
|
Damage to third party property Up to a maximum of £20m for damage to a third party's property |
|
|
Passenger injury Any injury caused to a passenger |
|
|
Driving abroad Overseas cover while traveling within the EU to the same level as your UK cover (up to a maximum of 60 days in any period of insurance) |
|
|
No claims discount Your no claims discount will increase when you renew with us up to a maximum of 9 years if you don’t make a claim. Any change in the level of your no claims discount doesn’t guarantee your premium won’t rise |
|
|
Fire and theft Loss or damage to your van and its accessories caused by fire, theft or attempted theft |
|
|
3-year guarantee on repairs When you use our recommended repairers |
|
|
Collect, repair and return of your car Our approved repairers will collect your car, repair it and return it to you |
|
|
Car audio, navigation and entertainment equipment The cover limit is unlimited for equipment fitted as original equipment by the manufacturer. The cover limit is £500 for any other equipment not fitted by the manufacturer, provided it is permanently fitted to the car |
|
|
New car benefit Available if: your car is lost or damaged in the first 12 months since it was registered; you or your partner are the first registered keeper; you own the car; the cost of repair is more than 60% of the cost of buying an identical new car |
|
|
Uninsured driver promise If the driver of your car is involved in an accident caused by an uninsured driver, we’ll refund the cost of any excess you pay in the event of a claim. Where the accident isn’t your fault and the driver is uninsured, you won’t lose your no claims discount |
|
|
Vandalism promise Your no claims discount won’t be affected if you need to make a claim for damage caused by vandalism |
|
|
Emergency transport and accommodation We’ll pay up to £100 per person with a maximum of £400 per incident for alternative transport or overnight accommodation |
|
|
Courtesy car Courtesy car while an approved repairer fixes your car (subject to availability and the supplying garage’s terms and conditions) |
|
|
Child car seat cover If your car is involved in an accident or damaged, we’ll pay up to £150 per child seat fitted in your car |
|
|
Windscreen replacement and repairs There’s no excess to pay for glass repairs. And making a claim for glass repairs or replacement won’t affect your no claims discount |
|
|
Personal belongings Up to £500 of cover 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 |
|
|
Medical expenses Up to £200 of cover |
|
Let’s find the cover package that’s right for you. Get a quote for Post Office Car Insurance or retrieve a quote you’ve started
Our over 50s car insurance policies are Defaqto 5-star rated
Trust award-winning policies recognised for quality and value. We won the Your Money award for best car insurance provider in 2025
What you need to drive abroad will depend to some extent on where you’re going.
Green cards
You may need a green card to drive your vehicle and tow a caravan or trailer in: Albania, Azerbaijan, Belarus, Iran, Israel, Moldova, Morocco, Russia, Tunisia, Turkey, or Ukraine.
You won’t need a green card to do so in: Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, or Switzerland.
If you’re visiting a green card country
Insurance to drive in countries where you’ll need a green card must be agreed by your insurer before you go. You may need to pay an extra premium under the terms of your policy.
Please contact us 21 days before you travel. If your insurer agrees to the cover and you’ve paid any additional premiums required, we’ll arrange for a green card to be sent to you.
Driving in the EU
To drive in the EU, you’ll need to:
If you intend to tow a trailer with your vehicle, you may also need to register your trailer before you travel. This depends on the type of trailer.
Policies bought or renewed after May 2021
The “Section 9: Driving Abroad’ part of your terms and conditions will still contain information about the previous EU ruling. This advised green cards were needed in all circumstances. We won’t be reissuing policy documents in the short term. But this section will be updated if you choose to renew your policy.
Further reading
If you’re planning to drive abroad these websites may help
You can pay annually or in monthly instalments. You’ll need to enter into a credit agreement, subject to status, to pay in monthly instalments. You can pay by credit/debit card or direct debit, but your first payment must always be made with a credit or debit card.
If you choose to pay in monthly instalments, you’ll be charged the APR % stated in your credit agreement. It means you’ll pay more than you’d pay through an annual lump sum arrangement.
We don’t offer a no claims discount on named drivers.
Go to our retrieve a quote page and follow the instructions to see your saved quote.
You can download your document policy pack at the time of purchase and your certificate of insurance should arrive in the post within 7 working days. If you need further copies, you can access your documents online or contact us to receive a hard copy.
We’ll remind you 28 days before your renewal date and give you instructions to follow to renew your policy. If you’d like to speak to us about renewing your policy, please call us on 0330 018 4082.
It means your policy will renew automatically when it comes up for renewal each year. It’s a stress-free way of staying insured. We’ll send a reminder 28 days before your renewal date so you can checkthe details and make sure you’re still happy to go ahead.
If you change your mind, opting out of automatic renewals is easy. Go into your account or call the customer service team on 0345 073 1002 to make the change.
Please call the claims helpline on 0345 073 1005.
Please call us on 0345 073 1002, and we’ll give you more information at the time you make a claim.
Please call us on 0345 073 1002. Charges and fees may be applicable when cancelling your policy before or after the 14-day cooling off period. Please see your policy documents for full details.
If you’re transporting goods in the UK, you don’t need to inform us and you’ll still be covered.
If you’re transporting goods in the EU, our motor insurance policy will provide, at minimum, third-party liability coverage for the duration of the policy. But it’s important to check your policy documents carefully for cover limits and policy exclusions.
Yes, we’re here to help. We know many things can impact people’s livelihoods and cause financial hardship. If you think you’ll be unable keep making your regular policy payments, please contact us as soon as possible on 0345 073 1002. Our opening hours are Monday-Saturday, 8am – 6pm.
We have specialists who can discuss your circumstances and agree on how we can help with your financial situation. We may be able to help in several ways. For instance, moving your payment dates. Agreeing partial payments or payment holidays in the short term. Orremoving any fees applied to your policy.
Please contact us before you miss a payment. But please don’t cancel payments or direct debits as this can leave you uninsured. We’ll help you find a solution before you’re in a situation where you can’t pay.
*Call charges
Calls to 03 numbers will cost no more than calling a standard UK number starting with 01 or 02 from your fixed line or mobile and may be included in your call package. Calls may be monitored or recorded for training and compliance purposes.
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Post Office Money® Car 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: 100 Wood Street, London, EC2V 7ER. 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. Registered number 3231094. Registered Office: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG.
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).