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Post Office home insurance review

Read Which?'s expert review of the Post Office's home insurance policies, find out how we rate the Post Office's contents and buildings insurance and how it compares to dozens of other home insurance companies.

In this article
Who is the Post Office? What does the Post Office's home insurance cover? How Which? rates the Post Office's home insurance Post Office's home insurance policy: is it good or bad? How did customers rate the Post Office's home insurance?
Does the Post Office offer different levels of home insurance cover? How much does the Post Office's home insurance cost? What is the Post Office's claims number? Who underwrites the Post Office's home insurance? Get top money-saving tips from Which?

Who is the Post Office?

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 is owned by Postal Services Holding Company which is a private limited company. 

What does the Post Office's home insurance cover?

The information below gives an at-glance view of the key things that the Post Office's home insurance covers as standard.

Elements marked with a are covered as standard and those marked with a are not covered as standard. However, these can be added to a policy as optional extras for an additional cost.

 

 Loss and theft of keys

 

Loss and theft of keys will cover the cost of replacing your keys if they are ever lost or stolen.

 

 Garden cover

 

Garden cover protects against damage to items in your garden including plants and garden furniture.

 

✓  Burst pipes

 

Covers the cost of repairing burst pipes in your property.

 

 Accidental damage

 

Accidental damage protects against sudden and unconventional physical damage to the structure of your property as well as your furniture and belongings.

 

 Home emergency 

 

Home emergency cover provides assistance of central heating, electrical emergencies, plumbing or draining issues.

 

 24 hour (emergency) helpline

 

Allows you to call a 24-hour helpline for assistance in the case of a home emergency.

 

 Legal expenses

 

Legal expenses cover the cost of legal expenses should you need to pursue legal action against another party.

 

 Personal possessions

 

Personal possessions cover protects your portable belongings while you’re outside of your property.

How Which? rates the Post Office's home insurance

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.

We also analyse and rate 60 different elements of contents and buildings insurance to create policy scores, helping you judge the quality of your cover - and how an insurer compares to its peers.

We combine this into an overall score to highlight the insurers that offer great cover and service.

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

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. 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 this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
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Post Office's home insurance policy: is it good or bad?

In February 2019, we analysed and rated 60 of the most important elements of standard home insurance policies to come up with the overall policy score.

We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. Each element is given a star rating, out of five.

Overall, 45 out of the 60 elements policy elements we analysed in the Post Office's home insurance earned a 3-star rating or higher.

A total of 23 of the Post Office's policy elements were given a full 5-star rating and 21 given a 3-star rating or below, which indicates an above-average level of cover.  

Best parts of the Post Office’s home insurance policy

We’ve identified three standout features in the Post Office’s home insurance policy:

  • Unlimited cover to find alternative accommodation, which earned a full 5 stars
  • £0 excess as standard, which we scored 5 stars
  • Money cover included as standard, which we gave 5 stars

Worst parts of the Post Office’s home insurance policy

We've identified three features in The Post Office's home insurance policy which scored poorly:

  • Blockage of sewer pipes not covered
  • £20 default payment fee, which earned 1 star out of 5
  • Unoccupancy period of only 45 days, which we gave 1 star

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

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Table last updated in February 2019. Next updated in February 2020.

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out detail Logged out padlock Buildings and contents
Renewal fee (£) Logged out detail Logged out padlock Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Home emergency cover (£) Logged out detail Logged out padlock Buildings and contents
Owner's / Occupier's liability (£) Logged out detail Logged out padlock Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Subsidence - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Alternative accommodation (£) Logged out detail Logged out padlock Buildings only
Burst pipes - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Single item limit for valuables - max limit (£) Logged out detail Logged out padlock Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out detail Logged out padlock Contents only
Contents in outbuildings - including garages (£) Logged out detail Logged out padlock Contents only
Theft from outbuildings (£) Logged out detail Logged out padlock Contents only
Personal Possessions - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Personal Possessions limit within a car (£) Logged out detail Logged out padlock Contents only
Bicycles - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Mobile phones (away from home) - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Does mobile phone cover include calls? Logged out detail Logged out padlock Contents only

To see how the Post Office's home insurance compares to other policies check out our guide on the best and worst home insurance.

How did customers rate the Post Office's home insurance?

As well as looking at how the Post Office's home insurance policy stacks up against others, we've also analysed how customers feel about it too.

Which?'s rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Overall, the Post Office home insurance scored 72% for customer satisfaction, placing it 7th out of the 34 home insurers we looked at.

Customers scored the Post Office's 'value for money' the highest, giving it a full five stars. The Post Office's 'transparency of charges and penalties' was scored the lowest by customers and only received two stars.

The table below shows how the Post Office's home insurance scored for eight elements of customer satisfaction.

Customer satisfaction element Which? Customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Transparency of charges/penalties Logged out padlock
Dealing with complaints Logged out padlock
Experience of making a claim Logged out padlock
Value for money Logged out padlock

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

The scores shown in this review relate to the Post Office's over 50's home insurance policy. It is possible to opt for the Post Office Under 50's Home Insurance policy if you're eligible. 

This policy offers:

  • Bicycle cover included as standard
  • Up to £500 for loss or theft of keys
  • Legal expenses cover as an option extra

The Post Office Under 50's Home Insurance policy offers less cover as standard is likely to be cheaper than their over 50's policy. 

How much does the Post Office's home insurance cost?

Your contents insurance and buildings insurance will be priced based on your own personal circumstances, where you live and the type of property and contents you own.

The Post Office allows you to gather quotes on its own website at www.postoffice.co.uk/home-insurance.

But you can also compare the Post Office's home insurance on the following price comparison sites:

  • Comparethemarket.com
  • Confused.com
  • Gocompare.com
  • Moneysupermarket.com

Check out our guide for more information on how add-ons, fees, and charges explained affect the price of your 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.

The acid test of any home insurance provider is how it handles your claim. In January 2019, Which? surveyed 1,456 members of the general public about their experiences using a major home insurance provider.

Due to sample size, we weren't able to score the Post Office for claims satisfaction but you can see how other home insurers ranked in our guide making a home insurance claim.

Who underwrites the Post Office's home insurance?

The Post Office's home insurance is underwritten by the following insurers: Ageas, AXA, Co-Op, Covea, Lloyds, RSA, UK General, and Zurich.

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