Legal helplines service(1)
Your home is more than just the place you live. Our legal helplines service can help with neighbour disputes, bereavement counselling and much more
Your home is more than just the place you live. Our legal helplines service can help with neighbour disputes, bereavement counselling and much more
No two homes are the same, so we don’t have a one-size-fits-all home insurance policy. Our Silver and Gold options both have a 5 Star Defaqto rating
You never know when the unexpected might happen. Our claims lines are open 24/7, 365 days a year. And all our call centres are based in the UK
Our buildings cover goes up to £1m for both our Silver and Gold cover. And you can choose contents cover from £80,000 to £100,000. You can find details in the tables later on this page
Defaqto is an independent body that gives ratings on financial products. It can help you to make better decisions on the insurance that you buy. They've given both our Silver and Gold policies 5 Star ratings
Get instant access to all your policy documents in one place with our online self service centre
Choose from Silver or Gold cover levels. Then select building insurance, contents insurance, or both
Cover features |
Silver |
Gold |
---|---|---|
Insurance Product Information Document (IPID) |
Silver |
Gold |
Buildings sum insured The maximum amount you can claim for |
Silver Up to £1,000,000 |
Gold Up to £1,000,000 |
Rent and alternative accommodation Cost of a place to stay if your home can’t be lived in |
Silver Up to £200,000 |
Gold Unlimited |
Additional accidental damage Cover for any damage that's caused by accident |
Silver Not included. Available as an optional add-on to your policy |
Gold Included |
Cover features |
Silver |
Gold |
---|---|---|
Insurance Product Information Document (IPID) |
Silver |
Gold |
Contents The maximum amount you can claim for |
Silver Up to £80,000 |
Gold Up to £100,000 |
Valuables inside the home The limit on belongings such as jewellery, ornaments and works of art |
Silver Up to £24,000 |
Gold Up to £30,000 |
Valuables single item limit The maximum we’ll pay out on a valuable item |
Silver Up to £2,500 |
Gold Up to £2,500 |
Additional accidental damage Cover for any damage that's caused by accident |
Silver Not included. Available as an optional add-on to your policy |
Gold Included |
Away from home cover Covers you for possessions, like your money and mobile, when you take them away from home |
Silver Not included. Available as an optional add-on to your policy |
Gold Up to £3,000 |
Matching sets Covers matching items from suites of furniture to fitted kitchens, if damaged in a way that your policy covers |
Silver Not included |
Gold Included |
We all have different priorities about what’s important to us and what we’d like to cover. For an additional fee, we have two products you may like to add as extra cover for you and your home
No one can predict when an emergency will strike. This extra cover offers immediate help if there’s further danger to your property or the people in it.
This optional cover gives you legal advice and representation when you need it.
Whatever stage you’re at in life, protecting what matters most to you is a must. Perhaps you’ve just bought your first house. Or you’re packing up to move into a student flat. It’s important to protect what’s yours
This covers:
This covers:
Home insurance protects the building you own, the things you own inside it, or both.
Protection for the physical structure of a building is called buildings insurance. Covering the things inside it is called contents insurance. And, of course, you can choose to cover both.
Once covered, if something unfortunate happens like a flood or theft, you can make a claim on your policy to cover the costs.
Home insurance covers damage done to your home or the things inside it. This can include accidents and thefts. The money you receive from your home insurance policy can be used to mend any damage or replace items lost.
Buildings insurance covers the physical structure, including its plumbing and electrical systems.
Contents insurance protects your belongings inside that aren’t part of its permanent structure.
You can add extra cover for even more peace of mind. For instance, we offer family legal protection, home emergency and accidental damage cover. Extra costs may apply.
Defaqto is a leading financial information, ratings and financial technology business. They provide unbiased Star Ratings to help customers make better informed decisions on which services to buy. Defaqto rate every product on the market on a scale of 1 to 5 Stars. A 1 Star product covers the basics, a 5 Star product is one of the most comprehensive on the market.
No. Your policy doesn't have cover for anything that happens gradually. This includes damage to electrical and domestic appliances caused by them breaking down.
Home maintenance is important and it's your responsibility to look after your building and contents. Your policy’s designed to only cover you for things that you didn't know would happen.
We try to make life as simple as possible for you. To help you decide which cover is right for you, we suggest you have a think about the value of your house and contents. This doesn’t have to be hard work – though you might want to make a list of the things you own and add up the total values. It needn’t be to the penny, but it should be as accurate as possible.
If you own items that could have changed in value over the years, such as artwork, antiques, musical instruments and jewellery, it’s a good idea to get a professional to value them.
An excess on any insurance policy is an amount you’ll need to pay when you make a claim. There are two kinds of excess: voluntary and compulsory. Voluntary excess is an amount you choose to pay, while a compulsory excess is one that you have to pay if you want to make a claim. The total excess in the event of a claim will be the combination of the two.
Your excess may be taken from your insurance claim payout. For instance, if you have an excess of £1,000 and make a claim for £5,000, your insurer may retain £1,000 of the payout and give you £4,000.
Accidental Damage is an extra level of cover you can add to your home insurance, and is separate from damage included on your main policy. Your policy will already cover you for damage caused by a storm, fire, flood or theft and attempted theft.
Accidental damage is classed as sudden, unexpected harm done to your building or contents unintentionally. It's damage done by you or someone in your house. This could be accidentally drilling through a pipe when doing DIY, for instance. Or, in the case of contents insurance, it could be knocking a glass of red wine onto a carpet.
You’ll need to add Accidental Damage cover at the same time you buy your policy, it can’t be added on at a later date. Only you can decide if you want or need Accidental Damage cover. Accidental Damage comes as standard with our Gold product.
Please remember to consider your compulsory and voluntary policy excess before you make any Accidental Damage claim. This is because the claim for damage is often worth less than the excess amount.
There's no legal requirement to have home insurance in the UK. But mortgage lenders may ask you to get buildings insurance before they will lend you money.
It means that your policy will renew automatically when your policy comes up for renewal next year. It’s 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.
Please look at your policy summary as the information on this document is specific to you. It includes your personal and property details, the cover you’ve purchased, the cost of your insurance, your chosen method of payment, any excesses applicable and if you’re set up to auto renew, or not.
You can update your auto renew preference in several ways. Call our contact centre on 03334 439 850 or go onto the Self Service Centre. You can email homeinsurance@postoffice.co.uk. Or write to Post Office Insurance Services, Fountain Court, 119 Grange Road, Middlesbrough TS1 2DT. Please be ready to quote your home insurance policy number which begins with an H followed by digits.
If you pay by monthly instalments, you'll be charged for the credit, and this is indicated by the (variable) APR%. Premium Credit Limited (PCL) may also charge a £5 fee which covers their operating costs of affordability and anti-money laundering checks. This means you will pay more for a monthly payment plan than you would for an annual lump sum arrangement.
PCL are a third-party finance provider. They’re appointed by Post Office Insurance to provide credit to our customers who’d like to pay monthly by direct debit for their home insurance. You can contact PCL on 03447 369 820.
Ageas Insurance Limited are appointed by Post Office Insurance as the underwriter of our main Post Office Home Insurance product. Ageas also handle the customer claims journey.
DAS Legal Expenses Insurance Company Limited underwrite and provide the Family Legal Protection (FLP) and Home Emergency (HE) insurance cover, offered to Post Office Home Insurance customers. They also provide the Legal Helplines service.
Taking in Ukrainian refugees won’t affect your existing home insurance. We define them as a family member, not guest or lodger. So there’s no need to contact us.
The only exception is if they’ll need cover for any high-value personal possessions (like jewellery), inside or outside your home, while staying with you.
Our team’s happy to answer any questions. Call 0333 4439 850 Monday to Friday 8am-8pm, Saturday 9am-5pm and Sunday 10am-4pm.
*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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Post Office Management Services Limited is authorised and regulated by the Financial Conduct Authority, and is registered in England and Wales. Our financial services registered number is 630318. The registered office for Post Office Management Services Limited is 100 Wood Street, London, EC2V 7ER. Our Registered Number is 08459718.
(1) The Legal Helplines Service is provided by DAS Law Limited and/or a range of specialist providers on behalf of DAS Services Limited (DAS).
(2) Post Office Family Legal Protection (FLP) and Home Emergency (HE) enhanced cover is underwritten by DAS Legal Expenses Insurance Company Limited (DAS).
(3) Subsidence, flood and escape of water all have a higher compulsory excess that is payable in the event of a claim.