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Post Office home insurance review

Read Which?'s expert review of the Post Office's home insurance policies and find out how it compares with dozens of other home insurance companies.

In this article
What does Post Office Silver home insurance cover? Does the Post Office offer the best home insurance? Post Office's Silver home insurance policy: is it good or bad? Does the Post Office offer different levels of home insurance cover?
Where can you buy Post Office home insurance? What is the Post Office's claims number? Get top money-saving tips from Which?

The Post Office is the UK's largest financial services chain and has served customers for over 370 years.

Today it offers more than 170 products and services, including home insurance, car insurance, savings accounts, and credit cards.

The Post Office's home insurance is underwritten by Ageas Insurance Limited.

Policy Policy level Buildings - Maximum sum insured Contents - Maximum sum insured
Post Office Silver Standard £1 million £80,000
Post Office Gold Premium £1 million £100,000

 

Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

 

What does Post Office Silver home insurance cover?

The information below gives an at-a-glance view of the key areas that Post Office's Silver home insurance covers as standard. Elements marked with a are covered as standard; those marked with a are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

 

Burst Pipes

 

Covers the cost of repairing burst pipes in the property

 

Key cover

 

Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen

 

£ Accidental damage

 

Covers accidental damage to personal belongings, fixtures and fittings.

 

£ Home emergency

 

Covers callouts and temporary repairs resulting from a home emergency

 

£ Personal Possessions

 

Covers personal belongings against loss, accidental damage or theft when taken outside the home

 

£ Boiler cover

 

Covers the failure of a boiler or central heating system

 

£ Legal protection

 

Cover for legal costs resulting from claims such as property and employment disputes

Does the Post Office offer the best home insurance?

Here's how the Post Office scored in our latest home insurance survey:

Home And Mobile Insurance
Post Office review
Overall Which? score
%
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
Which? Customer Score
%
Which?'s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
%
Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.
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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse home insurance

 

We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

Post Office's Silver home insurance policy: is it good or bad?

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of the Post Office's Silver home insurance rated

Weighting Policy element Details Rating
Most important Alternative accommodation (£) Logged out detail Logged out padlock
Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
Most important Repairs guarantee Logged out detail Logged out padlock
Other Unoccupancy period Logged out detail Logged out padlock
Most important Trace and access  (£) Logged out detail Logged out padlock
Most important Burst pipes - included? Logged out detail Logged out padlock
Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
Secondary Subsidence - included? Logged out detail Logged out padlock
Secondary Damage to underground services - included? Logged out detail Logged out padlock
Secondary Flood and storm damage - included? Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
Secondary Storm damage to fences - included? Logged out detail Logged out padlock
Other Theft of keys - included? Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys - included? Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

Table last updated in March 2021. Next update in February 2022.

Does the Post Office offer different levels of home insurance cover?

The Post Office also offers Gold home insurance, which features a higher level of cover. Log in to find out how we rated it.

Where can you buy Post Office home insurance?

Post Office home insurance can be purchased online and over the phone

The Post Office's Silver home insurance policy is not available on price-comparison websites. But its Silver Plus policy, which includes Family Legal Protection cover as standard, and Gold home insurance policy are available on the following price-comparison websites:

  • Compare The Market
  • Confused.com
  • Go Compare
  • MoneySuperMarket

Read more about how to cut your premium in our guide to finding cheap home insurance.

What is the Post Office's claims number?

If you need to make a claim with the Post Office home insurance call 0345 073 1005,

It's best to have your policy number handy before making a claim with the Post Office. When talking to your handler, you'll be asked details about what happened, when it happened, and what action you've taken so far.

They'll also ask what you're claiming for and the approximate cost involved.

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