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.
How it works
If our price isn’t already £50 cheaper, here’s how we guarantee to beat your renewal:-
1. Purchase a policy from us 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 ast 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
Fast, friendly and expert 24/7 service
Talk to our UK-based contact centre team at any time of the day or night. We aim for you to be able to enjoy fast, friendly and expert service when you call our 24-hour claims line.*Full Terms and Conditions apply (see above tab).
Extra 10% contents cover – it's a gift
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.
In with the new
We’ll replace your damaged or stolen items as part of our standard new for old contents insurance policy. Your contents within the home are protected from many causes, including but not limited to: Fire, smoke, subsidence, malicious damage, theft, storm, lightning, flood, escape of water and other causes (Limitations apply to theft from outbuildings and garages). Your policy also includes standard accidental damage cover to satellite and other entertainment equipment, but excludes damage to laptops and any hand held devices. It doesn’t cover wear and tear, general maintenance costs or electrical or mechanical breakdown.
Add cover for legal costs, unexpected accidents and more
Our flexible policy gives you the option to add extra cover at an additional cost. You'll find more details in your policy documents.
Cover your personal possessions against loss or damage away from home. The single item limit is £1500, you must specify any items worth over £1500 if you want them to be covered, including but not limited to jewellery, mobile phones, handbags and its contents. Pedal cycles worth up to £350 are also covered under this section, but pedal cycles worth more than £350 should be specified. We also give you cover for up to £350 for money.
Extended Accidental damage can be added to your policy to protect your home contents against unexpected accidents.
Home Assistance hopes to give 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) – with all work carried out by approved tradesmen guaranteed for 12 months
- Certain pest 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
- Residential disputes with your neighbours
- 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.