The Post Office is the UK's largest financial services chain and has served customers for over 370 years.
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|
- Read our reviews of all the insurers who took part in our home insurance analysis
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:
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.
In detail: every part of the Post Office's Silver home insurance rated
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
- Go Compare
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.
- Find out more: is it worth claiming on your home insurance?
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