Under 50s Car Insurance

Benefits you could receive with a Post Office Money Car Insurance policy:

	Comprehensive Cover	Third Party Fire & Theft Cover	Third Party Cover
Courtesy car to keep you on the road (subject to availability)	Yes	No	No
Cover against vandalism and malicious damage (subject to policy excess and a claim may impact your NCD)	Yes	No	No
Windscreen replacement and repairs when you call our glass helpline	Yes	No	No
Overseas cover- whilst traveling 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

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. 

Don't forget your optional extras^

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

• Breakdown cover for under 50s included for your first year*, but you can also upgrade and add RAC At Home and Onward Travel to your policy. 
• Motor Legal Protection to help recover legal expenses up to £100,000 and 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 car repair costs if you're not at fault for an accident or if you don't have comprehensive car insurance.
• 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 up to three days for car hire.
• The Guaranteed Replacement Car cover provides access to a car if your car is stolen or can’t be driven.

^ 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 so please check the policy documents for details.

	Comprehensive	Third Party Fire and Theft	Third Party
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
The death of or bodily injury to any person caused by an incident involving your car.	Yes	Yes	Yes
Overseas cover whilst traveling 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
Loss or damage to your car and its accessories caused by fire, theft or attempted theft.	Yes	Yes	No
Cover for your car whilst towing a trailer, caravan or broken down car (see terms & conditions)	Yes	Yes	No
Unlimited cover for car audio, navigation and entertainment equipment permanently fitted to the car by the manufacturer or £500 for any other equipment not manufacturer fitted.  .	Yes	Yes	No
Cover is provided for your windscreen, side or rear windows, and the sunroof. There is no impact of glass claims on your no claims discount, with just an excess (shown on your insurance schedule) to pay for the replacement.	Yes	No	No
New car benefit is available under the following conditions: Loss or damage in the first 12 months since car was registered; You or your partner are the first registered keeper; You own the car; Cost of repair is more than 60% of the cost of buying an identical new car.	Yes	Yes	No
Courtesy car whilst an approved repairer fixes your car (subject to availability and the supplying garage terms and conditions)	Yes	No	No
Collect, repair and return your car when you use the recommended repairers	Yes	Yes	No
3 year guarantee on repairs carried out by our approved repairers.	Yes	Yes	No
Medical expenses up to £200	Yes	No	No
Personal belongings covered up to £100	Yes	No	No
Cover against vandalism and malicious damage (subject to policy excess and a claim may impact your NCD)	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.

^ 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, so please check the policy documents for details.

1. This offer applies to new Post Office Money Car Insurance customers only, purchasing a car insurance policy and who are aged 49 years or under at the time of the purchase of the policy. Customers who are renewing an existing policy, amending the details of a current policy or who have held a Post Office Money Car Insurance policy within 14 days prior to the start date of their new Post Office Money Car Insurance policy are not eligible for this offer.

2. The policy must be purchased directly with Post Office Money. This offer is not available via price comparison websites. Policies purchased directly with Post Office Money using a quote reference obtained from a comparison website will not be eligible for this offer.

3. This offer is not open to existing Post Office Money Car Insurance customers who are renewing an existing policy or changing the details of their current policy.

4. The included Breakdown cover offer (Roadside and Recovery vehicle based) is attached to the car insurance policy and will end if and when the car insurance policy ends. The included Breakdown cover offer is only available during the first year that you insure with Post Office Money Car Insurance.

5. There is no cash alternative. In the event that the policy ends, no refund will be due in respect of the Breakdown cover.

6. The Breakdown cover is provided by RAC Motoring Services. For full Terms & Conditions of the Roadside and Recovery product, please see policy wording.

7. The included Breakdown cover cannot be transferred to any other policy.

8. The cost to upgrade to include “At Home” cover is £20 for one year. The cost to upgrade to include “At Home and Onward Travel” cover is £40 for one year.

9. At renewal of the main car insurance policy, the full cost of your RAC Breakdown product will be added to your renewal offer, unless you notify us otherwise.

10. We reserve the right to vary, withdraw or extend the offer at any time.

11. This offer is subject to underwriting criteria. Policy terms and conditions apply and will be provided within the documentation when a policy is taken out.

12. This offer is not available in conjunction with any other offer.

Conditions and exclusions apply. For full details of what's included with your cover, check the policy documents.

^ Optional extras are available at an additional charge. Terms, conditions and exclusions apply - see policy documents for full details.