Post Office Car Insurance: What You Need to Know

Car insurance is a must-have for all drivers in the UK, protecting you from the financial and legal consequences of accidents and damages. However, with so many insurers and policies available, it can be overwhelming to choose the right one for your needs and budget. One of the providers you might consider is Post Office car insurance, which offers various plans and options. In this article, we will guide you through the basics of Post Office car insurance, its features and benefits, as well as some frequently asked questions.

What is Post Office Car Insurance?

Post Office car insurance is a product of the Post Office, a UK-based postal and financial services company. It partners with BISL Limited, part of the BGL Group, to offer car insurance plans to its customers. Post Office car insurance is regulated by the Financial Conduct Authority (FCA) and is a member of the Association of British Insurers (ABI).

Post Office car insurance provides coverage for a range of risks, including accidental damage, theft, fire, and third-party liabilities. You can choose from three types of policies: third-party only, third-party fire and theft, and comprehensive. Each plan has different levels of protection and benefits, so you can pick the one that suits your needs and budget.

Third-Party Only Car Insurance

Third-party only car insurance is the most basic and legally required form of car insurance in the UK. It covers your liability for damages and injuries caused to third parties (other drivers, passengers, or pedestrians) in case of an accident where you are at fault. However, it does not cover any damages to your own car or injuries to you and your passengers.

Post Office offers third-party only car insurance with the following features:

With Post Office third-party only car insurance, you can also add some optional extras to enhance your protection, such as legal cover, breakdown assistance, and key cover.

Third-Party Fire and Theft Car Insurance

Third-party fire and theft car insurance provides additional coverage for your own car, protecting it from damages caused by fire or theft. It also covers your liability for damages and injuries caused to third parties in case of an accident where you are at fault.

Post Office offers third-party fire and theft car insurance with the following features:

With Post Office third-party fire and theft car insurance, you can also add some optional extras to enhance your protection, such as legal cover, breakdown assistance, and key cover.

Comprehensive Car Insurance

Comprehensive car insurance is the most extensive form of car insurance, providing the highest level of protection for you, your car, and third parties. It covers all the risks included in third-party only and third-party fire and theft policies, as well as accidental damages to your own car and injuries to you and your passengers.

Post Office offers comprehensive car insurance with the following features:

With Post Office comprehensive car insurance, you can also add some optional extras to enhance your protection, such as breakdown assistance, legal cover, and courtesy car.

FAQ

What is the excess on Post Office car insurance?

The excess is the amount of money you have to pay towards a claim before your insurance kicks in. The excess amount depends on your policy and the type of claim. For example, if you make a claim for accidental damage, you may have to pay a different excess than if you claim for theft. Post Office car insurance offers voluntary excess, which means you can choose to increase your excess to lower your premiums. However, make sure you can afford to pay the excess amount in case of a claim.

Can I add or remove drivers from my Post Office car insurance policy?

Yes, you can add or remove drivers from your policy, but it may affect your premiums or coverage. For example, adding a young or inexperienced driver may increase your premiums, while removing a named driver may limit your coverage. Make sure you inform Post Office of any changes to your drivers or usage to avoid invalidating your policy.

Does Post Office car insurance cover me to drive other cars?

No, Post Office car insurance does not include driving other cars (DOC) cover as standard. However, you may be able to add DOC cover as an optional extra, subject to eligibility and terms and conditions.

How do I make a claim with Post Office car insurance?

If you need to make a claim on your Post Office car insurance policy, you should call the claims helpline as soon as possible. You will need to provide the details of the incident, such as the date, time, location, and people involved. You will also need to provide your policy number and any relevant documents, such as photos, reports or receipts. Post Office will guide you through the process and help you with the required steps.

What are the benefits of Post Office car insurance?

Post Office car insurance offers several benefits to its customers, such as:

• Flexible policies and coverage options
• 24/7 claims helpline and support
• Optional extras to enhance your protection
• No admin fees for changes to your policy
• Discounts for existing Post Office customers and safe drivers

However, keep in mind that the benefits may vary depending on your policy and eligibility.

Conclusion

Post Office car insurance is a reputable and competitive option for drivers who want quality coverage and service. Whether you need basic third-party only insurance, extra third-party fire and theft cover, or comprehensive protection, Post Office offers flexible policies and options. You can also customize your policy with optional extras such as legal cover, breakdown assistance, and key cover. Just make sure you compare the plans and prices before making a decision, and read the terms and conditions carefully to understand your coverage and responsibilities.