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Under 50s Car Insurance

  • Free breakdown cover for new customers when purchased directly* ( T&Cs apply)
  • Optional extras^ to create a package that best suits you 
  • UK based contact centres

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 Cover
Courtesy car to keep you on the road (subject to availability)
  • Yes
Cover against vandalism and malicious damage (subject to policy excess and a claim may impact your NCD)
  • Yes
Windscreen replacement and repairs when you call our glass helpline
  • Yes
Overseas cover for European trips for up to 60 days during a period of insurance for trips you take within the European Union (at the same level of cover you have in the UK)
  • Yes
  Third Party Fire & Theft Cover
Courtesy car to keep you on the road (subject to availability)  
Cover against vandalism and malicious damage (subject to policy excess and a claim may impact your NCD)  
Windscreen replacement and repairs when you call our glass helpline  
Overseas cover for European trips for up to 60 days during a period of insurance for trips you take within the European Union (at the same level of cover you have in the UK)
  • 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 50's 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 car hire.
  • The Guaranteed Replacement Car cover is ideal 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.

  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
The death of or bodily injury to any person caused by an incident involving your car. Yes
Overseas cover - 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
Theft and fire cover Yes
Your car towed, stored and delivered after a valid claim (dependent on conditions) Yes
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
Accidental damage to your car, including windscreen and windows repair Yes
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 60% of the cost of buying an identical new car.		 Yes
Courtesy car whilst an approved repairer fixes your car (subject to availability and the supplying garage terms and conditions) Yes
Collect, repair and return your car when you use the recommended repairers Yes
3 year guarantee on repairs carried out by our approved repairers. Yes
Medical expenses up to £200 Yes
Personal belongings covered up to £100 Yes
Storm and flood damage Yes
Vandalism cover (subject to policy excess and a claim may impact your NCD)  Yes

 

  Third Party Fire and Theft
Unlimited cover for injuries to a third party Yes
£20m for damage to a third party's property Yes
Any injury caused to a passenger Yes
Overseas cover - 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
Theft and fire cover Yes
Your car towed, stored and delivered after a valid claim (dependent on conditions) Yes
Motor accessories cover, excluding trailers and any sound equipment, whether fitted to the car or stored in your garage Yes
Accidental damage to your car, including windscreen and windows repair No
New-for-old replacement vehicle - if the car is extensively damaged to the extent that repairs will cost more than 60% 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. Further terms and conditions apply - refer to the policy book. 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. No
Collect, repair and return your car when you use the recommended repairers Yes
3 year guarantee on repairs carried out by our approved repairers. Yes
Medical expenses up to £200 No
Personal belongings covered up to £100 No
Cover against vandalism and malicious damage (subject to policy excess and a claim may impact your NCD) No

 

  Third Party
Unlimited cover for injuries to a third party Yes
£20m for damage to a third party's property Yes
Any injury caused to a passenger Yes
Overseas cover - 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
Theft and fire cover No
Your car towed, stored and delivered after a valid claim (dependent on conditions) No
Motor accessories cover, excluding trailers and any sound equipment, whether fitted to the car or stored in your garage No
Accidental damage to your car, including windscreen and windows repair No
New-for-old replacement vehicle - if the car is extensively damaged to the extent that repairs will cost more than 60% 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. Further terms and conditions apply - refer to the policy book. 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
Collect, repair and return your car when you use the recommended repairers No
3 year guarantee on repairs carried out by our approved repairers. No
Medical expenses up to £200 No
Personal belongings covered up to £100 No
Storm and flood damage No
Cover against vandalism and malicious damage (subject to policy excess and a claim may impact your NCD) 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.

Under 50s Breakdown Cover Terms and Conditions

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.

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.

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Small print

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: 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. 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).

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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.

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.