By Phone
The customer service number is: 0345 073 1002
The claims line is: 345 073 1005
To renew a policy: 0330 018 4082
Post Office car insurance
Compare Post Office car insurance quotes.
Complete a purchase and earn a £15 reward with super save club logo
How good is Post Office car insurance?
Post Office is considered a good car insurer, which has been awarded Best Car Insurance Provider by YourMoney.com in 2025 and 2026.
The insurer offers various levels of cover, including Bronze, Silver, and Gold, which includes 24/7 UK claims line, three-year guarantee on repairs by approved engineers, and various optional extras.
While is has received mixed reviews on review sites like TrustPilot, you can rely on the stability and long-existing reputation of the Post Office brand.
What is the Defaqto rating for Post Office car insurance?
Defaqto is a leading independent reviewer of financial products. Post Office's higher-tier policies (Car Insurance Silver and Gold) receive the maximum five-star Defaqto rating for features and benefits, while its standard Bronze car insurance is rated two stars.
Post Office Bronze Car Insurance
⭐⭐^
Post Office Silver Car Insurance
⭐⭐⭐⭐⭐^
Post Office Gold Car Insurance
⭐⭐⭐⭐⭐^
What will a Post Office comprehensive car insurance policy cover me for?
If you choose a fully comprehensive Post Office car insurance policy (Bronze) the following is included:
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Damage to your car
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Damage to other people's cars
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Theft of your car
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Courtesy car
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Personal accident benefit
How much do Post Office car insurance policies cost?
These are the average prices of Post Office car insurance policies across a wide range of drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors, so could differ significantly
Post Office Bronze
£479^
Post Office Silver
£451^
Post Office Gold
£407^
What is included in Post Office Car Insurance Silver and Gold?
Post Office's Silver and Gold policies give you extra cover and benefits compared to standard policies. Both include:
Windscreen cover
Uninsured driver promise
Vandalism promise
Child seat cover
Medical expenses
Personal belongings
Transfer home after an accident
Driving abroad for 90 days
Is Post Office Silver or Gold car insurance worth it?
Choosing Post Office Silver or Gold car insurance cover may be worth it if you're concerned about uninsured drivers or vandalism, regularly drive long distances and would benefit from built-in breakdown cover, or would struggle with unexpected costs after an accident.
MoneySuperMarket research has found that the average cost of buying separate breakdown cover (across all breakdown providers) is £27
However, upgrading may not be necessary if you already have breakdown cover elsewhere, don't have many years of no-claims to lose, would be comfortable paying some expenses like windscreen repair yourself, or mainly use your car for short, low-risk journeys.
Is Post Office the best company to insure my car with?
Which provider is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of Post Office car insurance to help you make your decision:
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Pros of Post Office car insurance
Awarded 'Best Car Insurance Provider' in 2025 and 2026 for value and service.
Offers tailored policies for drivers over 50
24/7 UK Claims Line
3-year guarantees on approved repairs
Option to add legal expenses and breakdown cover
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Cons of Post Office car insurance
Users have reported high cancellation admin fees when they cancel mid-term
Poor customer reviews regarding negative experiences, particularly around making claims
No claims discount (NCD) is not available for named drivers
Bronze car insurance is typically more expensive than competitors and offers significantly less cover
How does Post Office car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. All providers also offer higher-tier options, which will include more features for an extra cost.
Post Office Bronze | RAC Online | Aviva Signature | Direct Line Essentials | |
|---|---|---|---|---|
Price | £479^ | £309^ | £385^ | £430^ |
Defaqto rating | ⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐ |
Which? claims rating^ | N/A | 83%^ | 80%^ | 74% |
Claims payout rate | N/A | 99% | N/A | N/A |
Uninsured driver promise^ included? | No | No | Yes | Yes |
Courtesy car included? | Yes | Yes | Yes | Yes |
Administration fees^ | £10 | £15 | Free online, £18 if calling in | Free |
Further information |
Price data from MoneySuperMarket. Other data from provider website and correct as of May 2026.
Is the Post Office a good car insurer for young drivers?
While Post Office car insurance does offer an under-50s policy including all the basics you'd expect from a standard comprehensive policy, it lacks features that younger drivers often benefit from, such as telematics/“black box” policies that can help reduce premiums.
It’s generally designed more for straightforward, no-frills cover rather than helping new drivers bring costs down or build driving-based discounts.
How do I contact Post Office?
Claims lines are open 24/7
Other lines: 8am to 8pm Monday to Friday, 9am to 5pm on Saturdays and 10am to 4pm on Sundays.
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Online
You can use your online account to:
view your policy and insurance documents
make changes to your policy
How do I make a claim with Post Office?
If you need to make a claim on your Post car insurance policy, contact the Post Office as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), information about any other drivers or vehicles involved and photos or evidence.
Post Office claims line:
0345 073 1005
Claims lines are open 24 hours a day, 7 days a week
How do I cancel my Post Office car insurance?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You must telephone Post Office to cancel your car insurance - you cannot do it online.
The number is 0345 073 1002
I'm coming up for renewal
You can tell Post Office at any point up until your renewal date that you do not wish to renew your policy. There is no charge for not renewing.
I've just taken out a policy
If you cancel your Post Office car insurance before your policy starts or within the first 14 days of your policy starting you will be entitled to a refund of any premiums you paid.
However, Post Office are likely to charge you an admin fee and they also have the right to charge you for any days you were covered. These charges will be taken out of your refund.
If you wish to cancel your policy at any time later than 14 days after it started, you may be entitled to a pro-rated refund of your premium. You will probably be charged an admin fee, which will be taken out of your refund.
My policy has auto-renewed
If you cancel your Post Office car insurance within the first 14 days of your policy auto-renewing you will be entitled to a refund of any premiums you paid.
However, Post Office are likely to charge you an admin fee and they also have the right to charge you for any days you were covered. These charges will be taken out of your refund.
If you wish to cancel your policy at any time later than 14 days after it auto-renewed, you may be entitled to a pro-rated refund of your premium. You will probably be charged an admin fee.
What other insurance does the RAC sell?
More car insurance providers
With MoneySuperMarket, you can quickly and easily compare GoSkippy car insurance against policies from up to 197
Is it cheaper to buy Post Office car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as Post Office compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare Post Office policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my Post Office car insurance policy?
To find your Post Office car insurance policy, log in to the Post Office self-service portal to download documents instantly. You can also check your email for the confirmation link sent upon purchase, check your post (arrives within 7 working days), or call their customer service on 0345 073 1002.
Will I be charged if I make a change to my Post Office car insurance?
Yes, Post Office charges a £10 administration fee for changes you make to your car insurance account, such as changing your address or adding extra drivers. Your premium may also go up or down depending on the change.
Can I add other drivers to my Post Office car insurance policy?
Yes, you can add other drivers (named drivers) to your Post Office car insurance policy. You can do this by contacting their customer services team to update your policy, although adding drivers may change your premium depending on their age and driving history.
MoneySuperMarket data found that adding a young driver (under 25) to any car insurance policy increased premiums by £768.94
Does Post Office car insurance include breakdown cover?
Post Office only includes breakdown cover in its Gold car insurance policy. Its Bronze and Silver policies do not include breakdown cover as standard, but it can be purchased as an optional add-on for an extra fee.
How do I renew my Post Office car insurance policy?
You can renew your Post Office car insurance policy by calling 0330 018 4082, logging into your online self-service portal, or allowing the policy to renew automatically. A renewal reminder is sent 28 days in advance, allowing you to update details or opt out of automatic renewal.
Auto-renewal does not mean you will get the same cover at the same price as you had before. Post Office must contact you in advance of your policy renewing to inform you of any price or policy changes. If you don't want your Post Office cover to auto-renew, you need to inform them before your policy end date.
Before letting your Post Office policy auto-renew, it's worth comparing car insurance quotes to see if you could get a better deal elsewhere. Shopping around can help ensure you’re not paying more than necessary, as renewal prices aren’t always the most competitive.
Can I pay my Post Office car insurance in monthly instalments?
Yes, you can pay for your Post Office car insurance policy via monthly Direct Debits. This is usually more expensive than paying one annual lump sum, because car insurers add interest onto monthly payments.
What is Post Office car insurance?
Post Office car insurance is a UK motor insurance product offered under the Post Office brand, part of its expansion from a centuries-old postal service into financial services, providing drivers with cover (such as comprehensive or third party) through policies underwritten by partner insurers.
Who underwrites Post Office insurance?
Post Office car insurance is arranged and administered by BISL Limited, which utilizes a panel of insurers rather than a single underwriter. Key insurers on this panel include Ageas Insurance Limited and AXA Insurance Limited. Other specialists provide specific add-ons, such as RAC Insurance Ltd (motor legal protection) and ARAG plc (replacement car).
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 6 May 2026
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Based on car insurance policies sold through MoneySuperMarket between January 2026 and March 2026 where the user requested Breakdown Cover and it wasnt included as standard cover.
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
Based on the 10th percentile of comprehensive car insurance policies sold through MoneySuperMarket in the month of March 2026.
Accurate as of 05 May 2026.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in November 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
Shopping Gift Card value varies based on the first monthly premium of the policy and will be confirmed on the results page
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
