Postbank review

Postbank's personal lines run to home, life and health, and that is the full set listed. Motor, travel and pet lines are outside that set, so buyers who want them end up with another provider. Home, life, health and income protection sit under the same brand, which is the point of the range.

Across the site, starting premiums run €8.37, with home listings at €8.50 and life listings at €7.95. Postbank's life cover limit is capped in euros and set by package, so the quote moves with the tier you choose and the account is arranged on monthly payments.

Yes, monthly payments are available, and the account is set up on monthly terms, which matches 96.7% of the site's income protection listings. The wider picture is the same, with 94.5% of home listings offering monthly pay, so monthly is the norm here rather than an exception.

Claims can be started on phone, email and branch, so you can go in a branch, post the paperwork, send it by courier or reach the team by phone or email. That is a wider list than the support desk, which runs on email, phone and chat, so written contact belongs to claims rather than general queries.

The age range runs across adults, but the permanent loss of working capacity cover is limited to a narrower band at the younger end of it. That is the restriction worth checking first, since the rest of the personal lines, home, life and health, sit under the same brand and carry no such narrowing.

Postbank is listed as a broker, and the legal entity behind the brand is Eurobank Bulgaria AD (Postbank), UIC 000694749. A broker sits between you and the insurer, so check which insurer underwrites the policy before you sign, and how that insurer compares with the group you already bank with.

Help runs on email, phone and chat, which covers chat alongside phone and email. The claims list is longer at phone, email and branch, so for anything to do with an existing policy you have more routes than for general questions, and branch or postal contact is not part of the everyday support set.

Postbank lists home cover under home, life and health, aimed at the personal home policies in the range. Renters who want contents, landlord or home emergency cover sit closer to Hiscox UK, whose list is home, renters and landlord, and to Good Sam Insurance Agency at auto, home and renters.