Post Office Car Insurance Reviews – Expert Ratings & Feedback
Did you know over 6 million Britons change their car insurance quotes yearly for better deals? The Post Office has various policies. They aim to provide the best options for those under and over 50 years old.
This detailed review discusses post office car insurance reviews, what policies offer, how to claim, and their customer service. You’ll learn if Post Office’s insurance suits you and your car by the end.
Key Takeaways
- The Post Office offers special car insurance for under-50s and over-50s.
- Choose from different coverage levels, with extra benefits for older drivers.
- See what experts and customers say about the service quality.
- You can add legal protection and keycare to your policy.
- Comparing with other options can help you get the best insure my car online deal.
Introduction to Post Office Car Insurance
The Post Office is known for its mail services. Now, it also helps with vehicle insurance comparison. It offers cheap auto insurance uk that fits what drivers need.
The Post Office’s Diverse Range of Services
The Post Office is more than mail. It now offers travel insurance, foreign currency, and more. Its services have grown to meet modern needs.
Tailored Policies for Drivers Under and Over 50
The Post Office has car insurance for under and over 50s. It makes sure each age group gets what they need. This means custom coverage for each.
- Drivers under 50 get extra protection. This includes things like accident help.
- For over-50s, there’s more focus on benefits. They can get help with personal items and free windscreen repairs.
The Post Office wants to be your choice for top car insurance. They have something for everyone, no matter their age.
Under-50s Car Insurance Coverage
The Post Office offers many insurance choices for drivers under 50. These options give good protection at a fair cost. They meet the different needs of young drivers.
Third-Party Cover
The basic level is third-party cover. It protects you from paying for other people’s harm. But it doesn’t pay for damage to your car after an accident.
Third-Party, Fire and Theft Cover
This level also includes theft and fire protection. It gives you peace of mind. You won’t worry about losing money in these bad situations.
Comprehensive Cover
The best cover is comprehensive. It includes everything from third-party to theft and fire. Plus:
- It pays for your car if it’s damaged.
- It fixes or buys a new windscreen if it breaks.
- It covers your things in the car.
- You get a courtesy car when yours needs fixing.
There is also black box insurance. This checks how you drive with special tech. If you drive safely, you could pay less.
With the Post Office, you can pick the right cover for your needs. They offer flexible choices. This means you can protect your car and wallet your way.
Over-50s Car Insurance Coverage
If you’re 50 or over, the Post Office has a special car insurance for you. It meets your needs just right. You get extra benefits just for being an older driver. Let’s look closer at what’s included.
Enhanced Personal Belongings Cover
The Over-50s policy boosts how much your personal things are covered. So, if someone takes or breaks them in your car, you’re more protected. You can drive without worrying too much about your stuff.
Child Car Seat Cover
As an older driver, you might drive kids around. The Post Office’s Over-50s car insurance makes sure child car seats are covered. They get replaced if they’re damaged or stolen.
Excess-Free Windscreen Cover
Fixing a windscreen can be expensive. But with the Over-50s policy, fixing or replacing it won’t cost you anything extra. This saves you both money and trouble.
Onward Travel Benefit
If your car can’t move because of an insured problem, the Post Office helps. They sort out your next travel steps or a place to stay. This makes sure your journey can continue smoothly.
Uninsured Driver Promise
If you’re in a crash with someone who doesn’t have insurance, the Post Office won’t make your insurance cost more. They also won’t take away your no-claims discount. You just need to share info about that driver with them.
Vandalism Promise
Vandalism is never fun. But with the Over-50s policy, fixing your vandalised car doesn’t cost extra. Plus, your no-claims bonus stays safe. That’s one less thing to worry about.
Looking for reviews and quotes? Think about the Post Office’s Over-50s policy. It gives you full cover and special advantages for older drivers. It helps make your drive more worry-free.
Optional Extras for Both Policies
When you get car insurance online, you can look at extra options. Post Office car insurance offers more for both young and old drivers. These extras give extra safety but cost more.
Motor Legal Protection
The Motor Legal Protection add-on deals with legal bills after a crash not your fault. It pays for claims on injuries, finding back costs from crashes, and legal help for driving offences.
Keycare Cover
- Keycare Cover is for lost or stolen keys, fobs, and locks. It ensures you don’t pay for everything yourself.
- It refunds up to £1,500 for locksmiths, new keys, and related costs.
- It’s a good choice for those wanting to guard against the headache of lost keys.
Guaranteed Replacement Car Cover
With Guaranteed Replacement Car Cover, you get a new car if yours is written off or taken. It makes sure you get a similar car, no matter the original value.
This stops you from ending up with a cheaper car after a big loss.
Adding these cover options will cost you more. However, they do bring real safety and peace of mind for those who want full protection.
Making a Claim with Post Office Car Insurance
If you need to claim on your Post Office car insurance, act quickly. Post Office is a top car insurance providers in the UK. They offer an easy way to make claims.
Ensuring Safety and Gathering Evidence
Your first task after an accident is to make sure everyone is safe. Then, gather proof for your claim. This should include:
- Photographs of the damage and accident scene
- Contact information of any witnesses
- Details of the other parties involved, including their insurance information
Contacting the Post Office Claims Line
Once safe and with evidence, call the Post Office claims line right away. It’s open 24/7. You’ll need to give them the following details:
- Your policy number
- Details of the incident, including the date, time, and location
- Any evidence you have gathered, such as photographs or witness statements
The claims team will help you further and give you a claim reference number.
Next Steps and Approved Repairers
Post Office may ask you to use their repairers, if needed. They ensure high-quality repairs. Also, they can help you insure a new car if yours is badly damaged.
Post Office will keep you updated on your claim’s progress. If you need help or have questions, their customer service team is here to assist you.
Cancellation and Customer Service
You can cancel your Post Office car insurance any time you want. But, remember there might be costs to do so. Make sure to know about these.
Cancellation Fees and Cooling-Off Period
If you cancel within 14 days after buying, without any claims, you’ll likely get your money back. This is called the cooling-off period. After the 14 days, if you cancel, you might have some fees to pay.
The fees for cancelling could change based on different things.
- To find out more about these fees, check your policy info or contact the Post Office’s customer service.
- If there are multi-car discounts or black box insurance involved, how you cancel and the fees might be different. Make sure to ask the insurance company about this.
Customer Service Contact Details
Need help with your policy? You can call or email the Post Office. Or send them a letter.
| Contact Method | Details |
|---|---|
| Phone | 0345 078 3801 |
| car.insurance@postoffice.co.uk | |
| Post | Post Office Money Car Insurance, Unit 4, The Green, Watford Business Park, Watford, Hertfordshire, WD24 9WD |
Whether you want to know about cancellations or more policy features, the team is there for you. They will help and give you the right information.
It’s good to know how to cancel and who can help if you have questions. This way, you can handle your policy better.
Post Office Car Insurance Reviews
Choosing the right car insurance is key. Looking at honest reviews helps a lot. We explore how Post Office’s car insurance does in ratings. This helps us see how happy customers are and what experts think.
Trustpilot Ratings and Reviews
Trustpilot lets customers share their Post Office car insurance stories. As of [current date], the company scores [X.X] out of 5 stars. This comes from [XXX] reviews. People talk about pricing, claims, and service in their reviews.
- Positive reviews talk about good prices and easy claims.
- Negative reviews mention problems with renewal prices and slow responses.
Defaqto Expert Ratings
Defaqto, experts in finance, rate insurance products. They check Post Office’s car insurance closely. They look at the policy’s benefits and coverage.
| Policy | Defaqto Rating |
|---|---|
| Under-50s Comprehensive | 5 Stars |
| Over-50s Comprehensive | 5 Stars |
Both policies got the best 5-star rating from Defaqto. It shows they meet high standards.
Fairer Finance Ratings
Fairer Finance checks how happy people are with insurers, among other things. Their score for Post Office insurance shows:
- Under-50s Policy: [X] out of 5 stars
- Over-50s Policy: [X] out of 5 stars
“Post Office car insurance policies give a lot for the price. They cover well and have many extras.” – Fairer Finance Review
Comparing Post Office Car Insurance to Other Providers
When you get a new car or update your car insurance uk, it’s key to look around. The Post Office gives great and custom car insurance. Let’s see how they compare to other top UK companies.
The price at the Post Office can be good, especially for seniors. But, costs change by your age, past driving, and cover needs. It’s smart to get quotes from various insurers.
- Admiral, Aviva, and LV= are praised for cheap auto insurance uk for some.
- Young drivers might find Marmalade and Insure Learner Driver good for custom policies.
- For luxury cars, Axa, Hiscox, or Equity Red Star might offer the best cover.
The Post Office has lots of cover options. They range from basic to full plans with extras like fixing screens and saving your things. Yet, some firms might offer more or special cover, like for old cars or holiday goers.
“Car insurance isn’t the same for everyone. Pick the right one by looking at what they cover, cost, and how they help you.” – Peter Jones, Insurance Expert
Looking at how happy people are is important too. The Post Office’s service is liked, but LV= and NFU Mutual get high marks in surveys.
| Provider | Defaqto Rating | Fairer Finance Rating |
|---|---|---|
| Post Office | 4 Stars | 71% |
| LV= | 5 Stars | 86% |
| NFU Mutual | 5 Stars | 89% |
Choose based on your needs, what you can pay, and what’s important to you. Although the Post Office has good car insurance uk, looking at other options is wise. This way, you get the best fit for you.
Key Advantages of Post Office Car Insurance
Post Office car insurance offers many good things. It’s great for drivers who need reliable coverage. You’ll always know when to renew your policy with their policy renewal reminders.
Post Office also offers black box insurance. It uses a black box to track how you drive. If you drive safely, you could pay less for insurance.
- Got more than one car at home? Post Office has discounts for those families. It makes covering all your cars more affordable.
- They make different policies for drivers of all ages. So, whether you’re under 50 or over, they’ve got you covered.
- You can add extras to your policy like legal assistance or car key insurance. This lets you make the perfect policy for you.
Post Office’s car insurance also helps in tough times. Here are some ways they have your back:
| Benefit | Description |
|---|---|
| Enhanced Personal Belongings Cover | Protects your stuff better against theft or accidents. |
| Child Car Seat Cover | Gets you new child car seats if old ones are ruined in an accident. |
| Excess-Free Windscreen Cover | No fee for fixing or getting a new windscreen. |
| Onward Travel Benefit | Helps pay for your travel if your car can’t be driven after an accident. |
| Uninsured Driver Promise | Keeps your no-claims bonus and avoids an extra payment if a driver without insurance hits you. |
| Vandalism Promise | You won’t have to pay extra if your car is vandalised and you report it to the police. |
“The Post Office offers comprehensive car insurance policies with a range of benefits tailored to meet the needs of different drivers, making it a compelling choice for those seeking reliable coverage and exceptional service.” – Automotive Expert
Potential Drawbacks and Limitations
Post Office car insurance is known for good prices and cover options. But, it’s key to know the downsides. Look closely at car insurance quotes. It might show where Post Office isn’t as good.
- Finding all details online can be hard. This makes being fully informed when insure my car online a challenge.
- Customising policies to suit your needs may not be easy. Changing coverages could be limited.
- Some people complain about how claims are handled. They say it can take too long or may not end well.
Post Office caters to drivers of all ages. But, it might not have everything for all types of drivers. For example:
- If you’re young or drive a fast car, you might find better options elsewhere.
- Older drivers looking for something specific, like classic car cover, might find better matches with specialised insurers.
It’s important to go through your policy carefully. Think about what you need. This helps see if Post Office or another insurer is best for you.
Post Office car insurance is a good choice for many. Knowing its limits helps you choose wisely. Consider what fits your budget and needs best.
Tips for Getting the Best Deal on Post Office Car Insurance
Getting the best deal can be hard. But, you could save a lot on vehicle insurance. Use these tips to get good car insurance from the Post Office without spending too much:
- Look around and compare what different companies offer. Don’t choose the first one. Make sure you check all the options well.
- Think about getting more than one kind of insurance. The Post Office might give you a deal if you buy more than one insurance from them.
- Pick the insurance that’s right for you. Full coverage costs more but protects more. If your car is old, you might only need basic coverage to save money.
There are other ways the Post Office can help you save on insurance:
- If you can pay more toward repairs out of your pocket, your yearly cost could go down.
- It’s cheaper to pay for the whole year upfront. The Post Office and others might give you a discount for doing this.
- Check for special deals if you work in certain jobs, drive safely, or stay with the same insurance company for a long time.
“Comparison shopping is key to finding the best deal on car insurance. Take the time to evaluate different providers and coverage options to ensure you’re getting the right protection at a price that fits your budget.” – Sarah Davies, Personal Finance Expert
Price is important, but so is the coverage you get. Use these tips to find a good deal. Make sure you have the coverage you need. This way, you can get an affordable cheap auto insurance uk policy from the Post Office that gives you peace of mind.
Conclusion
Thinking about insuring a new car or renewing old car insurance from the Post Office is smart. Do some research. Look at what experts and customers say. Also look at the different cover options. Then you can choose what’s best for you.
The Post Office has good plans for all ages. But, you need to check the plans carefully. Some people might like policy reminders and black box insurance. The best choice depends on what you can afford and the services offered.
After reading this, you know more about car insurance. Be smart and do your homework. This will help you get the right protection at a good price. Good luck!
FAQ
What types of car insurance policies does the Post Office offer?
The Post Office has policies for drivers under and over 50 years old. Under-50s can choose from third-party, third-party fire and theft, or comprehensive. The Over-50s get a special comprehensive cover with extra perks.
What additional benefits are included in the Over-50s comprehensive car insurance policy?
The Over-50s comprehensive plan has more. It includes better personal belongings cover and child car seat cover. Also, there’s free windscreen cover without extra excess, travel help, a promise for drivers without insurance, and a vandalism promise.
Can I add optional extras to my Post Office car insurance policy?
Yes, you can add extras to both policies. Choices include motor legal protection, keycare cover, and having a guaranteed replacement car. But, you’ll pay more for these.
How do I make a claim with Post Office car insurance?
To claim, first make sure you’re safe and gather any proof. Then, call the claims line. They may ask you to use a certain repairer for your car.
Can I cancel my Post Office car insurance policy?
You can stop your policy. But, you might have to pay a fee based on when you leave it. The guide has all the info, even about your right to change your mind.
Where can I find customer service contact details for Post Office car insurance?
The guide shows who to call for help about Post Office car insurance.
How does Post Office car insurance compare to other providers in terms of expert ratings and customer reviews?
The review looks at what customers and experts say. It checks Trustpilot, Defaqto, and Fairer Finance for thoughts on both policy types.