Home Insurance information

The spread of Coronavirus is unprecedented in modern times and we understand this is an incredibly difficult time for families and businesses. Insurers want to support those who are affected by the impact of Covid, as well as those who want to help their communities in these challenging times.

ABI home (and motor) insurers have pledged to:

1. Support those who need to make a claim. Insurers have implemented business continuity plans and work closely with service providers to do everything possible in these challenging circumstances to continue to handle claims and support their customers. We recognise there will be many customers who will need additional support and insurers will prioritise those in vulnerable circumstances.

2. Support those who are working from home. If you are an office-based worker and need to work from home because of government advice or because you need to self-isolate, your home insurance cover will not be affected. You do not need to contact your insurer to update your documents or extend your cover.

*everyone who works in one of the critical sectors listed by the government.

Association of British Insurers

20 March 2020

If you are experiencing difficulty in paying your insurance premium during the current Covid crisis, Post Office Insurance are here to help. Please email us at homeinsurance@postoffice.co.uk so we can review your individual circumstances and consider the help we can offer, before we call you back to discuss.

Call the Claims department on 0345 165 0915. They are available 24/7 every day of the year.

These are available to view in your documents on the Self-Service Centre and on the Home insurance pages of our Post Office website here.

This is available to view in your documents on the Self-Service Centre and on the Home insurance pages of our Post Office website here.

It is a Self-Service online portal which allows you to view your documents, and in the future will allow you to make some changes to your policy. For security, you will need to register and set up a personal password to enable access.

Ageas Insurance Limited (Ageas) are one of the UK’s largest insurers, protecting millions of people and businesses across the country. Post Office Insurance have chosen Ageas to underwrite our new Home insurance products.

DAS Legal Expenses Insurance Company Limited (DAS) are the UK’s leading specialist legal expenses insurer. Post Office Insurance have chosen DAS to provide our Family Legal Protection and Home Emergency enhanced cover for our Home insurance products.

Premium Credit Ltd are a finance company and responsible for managing the credit agreements for customers paying in monthly instalments. Post Office Insurance have chosen PCL to provide the finance for customers who want to pay for their home insurance by direct debit.

Please decide what your complaint relates to and then refer to the “How to make a Complaint” section in your Policy booklet For Sales and Service please call 0333 443 9850, for Claims call 0345 165 0915 and for DAS Home Emergency or Family Legal Protection it’s 0344 893 0956.

It means that your policy will renew automatically when your policy comes up for renewal next year. It is a convenient stress free way of staying insured. We’ll send a reminder 28 days before your renewal date so you can check the details, and make sure you are still happy to go ahead.

If you choose to pay by monthly instalments, you will be charged for the credit, and this is indicated by the (variable) APR%. Premium Credit Limited (PCL) may also charge a £5 facility fee which covers their ongoing regulatory operating costs of affordability and anti-money laundering checks. This means you pay more for a monthly payment plan than you would for an annual lump sum arrangement.

Defaqto is a leading financial information, ratings and fintech business. Its unbiased product information, provided as Star Ratings, helps customers make better informed decisions. Using Star Ratings, Defaqto rate every product on the market, on a scale of 1 to 5 stars. A 1 Star product covers the basics, whereas a 5 Star product is one of the most comprehensive on the market.

1 Star – A basic product, with a low level of features and benefits.

2 Star – A product typically offering a below average range of features and benefits.

3 Star – A standard product providing an average level of features and benefits.

4 Star – A product with a good level of features and benefits.

5 Star – An excellent product with a comprehensive range of features and benefits.