Post Office review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Post Office Insurance suits older drivers and households placing several personal policies through one regulated broker, licensed by the Financial Conduct Authority under ref 308896. The case rests on access and monthly payments rather than a low headline price.

Key facts

Best for
Older drivers placing several personal policies through one regulated intermediary.
Insurance types
Auto, Home, Life, Pet, Travel, Van, Gadget (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
£0 (Source, checked September 26, 2026)
Claims channels
Phone, Online (Source, checked September 26, 2026)
Age range
Under 50s and over 50s car insurance offered (Source, checked September 26, 2026)
Legal entity
Post Office Limited (company number 02154540) (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Audience
Seniors
Pricing model
Monthly
Official website
postoffice.co.uk

Apps and profiles

Elsewhere
WikidataWikipediaXLinkedIncorporate.postoffice.co.uk

Pros and cons

Pros

  • The range covers auto, home and life, so car, home, life, pet, travel, van and gadget policies can run through the same arrangement instead of separate shopping.
  • The contract sits with Post Office Limited (company number 02154540), a named company based in the UK, so there is a legal entity to hold to if a policy needs chasing.
  • Car cover is offered in bands under Under 50s and over 50s car insurance offered with seniors a stated audience, giving older drivers a route that general motor brokers do not always keep open.
  • A claim can be raised on phone and online, by phone or online, so the first step after an incident does not depend on paperwork arriving by post.

Cons

  • Support runs on phone and help centre only, so a question that needs live chat or a branch visit has no listed route here.
  • Post Office works as a broker, broker, so cover is arranged with a partner and the policy terms are not set by the Post Office name itself.
  • The list stops at auto, home and life, so landlord, renters, health and motorcycle cover would sit with a rival such as Hiscox UK, where those lines appear in home, renters and landlord.
Post Office

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Scored 9.0 / 10 by AssureCue.

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Who it suits

  • Older drivers and their families, since seniors is a stated audience and car cover is split into bands under Under 50s and over 50s car insurance offered.
  • Households with more than a single policy to place, since the range covers auto, home and life under the same arrangement.
  • Anyone who wants the premium spread rather than settled in a lump sum, since monthly payments are available.

Who should look elsewhere

  • Hiscox UK, if landlord or home emergency cover is the goal, since those lines sit in home, renters and landlord rather than auto, home and life.
  • Good Sam Insurance Agency, if health cover is the priority, since health appears in auto, home and renters.
  • EuroAsia Insurance, if a shorter list of cover types is easier to weigh, since its range is listed as auto, home and travel.

Regulation

Post Office sells this cover as a broker, broker. That matters for anyone checking where the money sits: the firm is paid to find and place a policy, while the contract is written by the underwriter named on the documents rather than by the Post Office name on the quote. The sale side sits under the Financial Conduct Authority, ref 308896, so the conduct of the intermediary is supervised in the UK. Keep that number with your paperwork, since it is the part to quote if a policy is sold in a way you did not expect.

What cover costs

The only cost figure here is the excess on van cover, which starts at £0. On a van claim that figure is the part you fund before the insurer pays anything, and whatever settles above it is what you cover. Monthly payments are available, so the premium is spread across the term instead of being paid as a lump sum. Paying in instalments changes the timing of the money and not the total, so weigh the excess you would be willing to fund before you choose instalments over a single payment.

Who runs it

The business behind the policy is Post Office Limited (company number 02154540), based in the UK. Policy help runs on phone and help centre, so the listed routes are a phone line and a help centre. That is a narrow pair of channels, and it matters most if you would rather talk to a person than work through a screen. The sales side of the business is regulated by the Financial Conduct Authority, ref 308896, so a named regulated firm stands behind the quote you receive.

How Post Office compares

Where Post Office is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (308896), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What would I actually pay if I made a claim?+

The excess on van cover is the figure that decides it, and that figure starts at £0. A settled van claim therefore leaves you covering everything above it. Other cover lines carry their own excess, set when the policy is quoted, and paying monthly does not change the amount you fund yourself.

Can I spread the cost of a policy rather than pay it up front?+

Monthly payments are available, and the pricing model for the cover is monthly. The premium is then collected in instalments across the policy term instead of a lump sum at the start, which suits an annual budget. The instalment amount follows the quote, so the total for the year does not move because of the payment mode.

Who regulates Post Office Insurance?+

The Financial Conduct Authority in the UK, under licence ref 308896. Post Office works as a broker, broker, so the regulator's role covers the sale of the policy and the conduct of the intermediary. The insurer named on the documents is the party that handles a claim from there.

Is Post Office the insurer or the middleman?+

It is the middleman. The business is recorded as a broker, broker, and the contract sits with Post Office Limited (company number 02154540). A broker finds cover and passes the policy to the underwriter, so the name on your documents decides who settles a claim. Check the underwriter name on a quote, because that is the party that pays.

What kinds of cover can I buy through it?+

The range covers auto, home and life, broader than the shorter list at auto, home and travel. Car, home, life, pet, travel, van and gadget cover can be arranged through the same intermediary, which suits a household holding more than a single policy. Landlord, renters and health cover do not appear on the list here.

How do I get help or start a claim?+

Support runs on phone and help centre, so there is a phone line and a help centre. A claim is started on phone and online, which means by phone or online. If a question needs a branch visit or a live chat, this listing shows no route for it, so plan to ring or work the issue through online.

Is it aimed at older drivers?+

Older drivers are a stated part of the audience, listed under seniors. Car insurance is offered in bands, with Under 50s and over 50s car insurance offered on the cover listing, so each side of a threshold has its own route to a quote. That banding also means the price can move as a driver crosses into the next band, which makes an old quote worth rechecking.

How does the range compare with Good Sam?+

Good Sam lists a wider spread of cover types, auto, home and renters, adding health, renters and motorcycle to the personal lines shown in auto, home and life. Post Office counters with a car range built around Under 50s and over 50s car insurance offered and a van excess starting at £0. Which one suits you depends on the lines you actually need.

Sources

  • postoffice.co.uk/car-insurance/help-support checked September 26, 2026

    Backs: Age range, Claims channels

    “This includes our new 3-tier cover levels (Gold, Silver or Bronze), under-50s, over-50s and van insurance policies”

  • postoffice.co.uk/car-insurance/over-50s checked September 26, 2026

    Backs: Audience

    “Over 50s Car Insurance”

  • postoffice.co.uk/insurance checked September 26, 2026

    Backs: Insurance types

    “Car insurance, Home insurance, Life insurance, Over 50s life insurance, Pet insurance, Travel insurance, Van insurance, Gadget insurance”

  • postoffice.co.uk/van-insurance checked September 26, 2026

    Backs: Provider type, Excess from, Headquarters, Legal entity, Pricing model, Monthly payments, Support channels, Licences

    “Post Office Van Insurance is arranged and administered by BISL Limited. BISL Limited arranges policies from a panel of insurers”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

Post Office

Post Office

Older drivers placing several personal policies through one regulated intermediary.

9.0/10See alternatives

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