Why choose Over 50s Home Insurance?
- 5 star Defaqto rated cover - have piece of mind with our star Defaqto rated cover, with features that matter to you.
- Unlimited alternative accomodation and the option to add cover for legal costs, unexpected accidents and more.
- We'll beat your renewal price by at least £50 * terms and conditions apply
If you choose a Post Office Home Insurance policy that’s on a like-for-like basis with your existing insurer, we guarantee to be at least £50 cheaper.
We'll provide you with our price and, if it doesn't beat your existing renewal premium by at least £50, we'll refund the difference between the two policies - plus the £50.
How it works
If our price isn’t already £50 cheaper, here’s how we guarantee to beat your renewal:-
1. Purchase a policy that is on a like-for-like basis with your existing provider.
2. We’ll ask you to send us your renewal quote, showing your renewal premium.
3. Then we’ll arrange your payment to ensure that you have saved at least £50.
A bit more detail
Once you’ve purchased from us we will ask you to send us the relevant documentation, including your renewal premium from your existing provider. There is a prepaid envelope for this in your policy pack. This will help us check that your existing policy and your new policy with us are on a like-for-like basis.
Like-for-like basis means that as well as obvious things like the address being the same, the 4 things listed below must be the same in both policies. If these do not match we may not be able to fulfil your refund.
|Personal possessions cover
You have 30 days to provide your proofs. Refunds are normally processed after 60 days of the Post Office policy start date. Please note that the price of optional add-ons like Home Assistance and Family Legal Protection are not included in this offer.
*Full Terms and Conditions apply
Extra cover providing peace of mind during special life moments
Your contents sum insured is increased by 10% when you have high value items at home during special events. From weddings, civil partnerships, Christmas and other religious festivals, to the birth of a child or landmark wedding anniversary, we'll provide peace of mind that your prized possessions are protected. The extra cover is available one month before and one month after your special event.
Other Over 50s Home Insurance benefits include:
- Unlimited Alternative Accommodation for you and your family, if your home’s not safe to live in
- Up to £1,000 accidental damage cover to audio and video equipment (excludes portable devices)
- New for old – if you make a claim, we’ll replace items as new
- Up to £1,500 cover for garden plants (maximum of £250 per claim)
- Up to £2,000 per claim on content in the open, such as stolen or damaged patio furniture and barbeques (maximum of £250 per item or £350 on cycles)
Do remember that in addition to features and benefits, limits and exclusions also apply to the Home cover so please check the policy documents for details. For full details of what’s included with your cover, check the policy documents.
Fast, friendly and expert service 24/7
Talk to our UK-based contact centre team at any time of the day or night. You'll enjoy fast, friendly and expert service when you call our 24-hour claims line.
Add cover for legal costs, unexpected accidents and more
Our flexible policy gives you the option to add extra cover at an additional cost.
Extended Accidental damage can be added to your policy to protect your home contents against unexpected accidents.
Home Assistance gives you peace of mind that you'll receive prompt assistance in the event of a domestic emergency. It provides cover for events such as plumbing and drainage emergencies or if you have no hot water or electricity.
Home Assistance provides cover for:
- Total failure or breakdown of your main hot water or central heating system, as long as it's been serviced no more than 12 months before the emergency, and is no more than 15 years old
- Plumbing and drainage emergencies
- Gas and electricity supply failures
- Up to two hours of labour and/or parts and material costs up to £100 (maximum £1,000 a year) inclusive of VAT – with all work carried out by approved tradesmen guaranteed for 12 months
- Vermin infestation in your home
- Up to £250 overnight accommodation costs if you have to leave your home due to an emergency
Home Assistance is administered by ARAG plc and underwritten by AmTrust Europe Limited
Family Legal Protection is available and provides cover up to £50,000 including:
- Disputes over the buying and selling of goods and services (at least £125 must be in dispute)
- Residential disputes with your neighbours (claims can only be made after 180 days)
- Making a claim for personal injury
- Unfair treatment or dismissal by an employer
- 24/7 advice helpline
Family Legal Protection is administered by ACM ULR Limited and underwritten by RAC Insurance Ltd
Do remember that in addition to features and benefits, limits and exclusions also apply to the Home extra cover options so please check the policy documents for details.