Who is the Post Office?
Post Office Limited has a long history, being formed following the restoration of the monarchy in 1660 as the General Post Office.
It began offering postal services to the masses in 1661 in tandem with the Royal Mail, which undertook delivery services.
In more recent times the City of London-based operation has branched out, notably in 2015 when Post Office Money was formed.
It currently offers motor, pet, travel, life and home insurance through the 11,500-plus Post Office branches, online and via its call centres.
In just over half a decade, Post Office Money has grown to the point where it now employs 43,000 people in its insurance business alone.
The Post Office is accountable to the government, being required to present its annual report to parliament since the introduction of the Postal Services Act. This requirement adds weight to the argument that its customers are in safe hands.
Post Office buildings insurance and contents insurance policies have been underwritten by Ageas as of 2000. Since then, the two have worked to ensure policies are clearly worded and fewer questions require answering to secure cover.
Post Office home insurance policy details
The Post Office offers a selection of home insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary.
Before buying home insurance, we recommend you check the cover and benefits included.
The Post Office offers both buildings and contents home insurance, which can be combined within one annual policy.
There are two levels of cover available, Silver and Gold, to cater for the needs of different customers and the type of home being covered.
Buildings insurance covers the actual structure of your home. The Post Office's policies come with a range of added extras too, including:
- Buildings sum insured: This insurance policy will cover you for claims of up to £1,000,000 if your home is completely destroyed. It includes the removal of debris, installation of pipes and services, as well as the rebuild cost.
- Alternative accommodation: If your home is rendered uninhabitable the insurer will cover the cost of staying somewhere else up to £200,000 with a Silver policy. There’s no upper limit with the Gold policy.
- Replacement locks and keys: If your keys are lost, stolen or damaged, the cost of replacing locks and keys up to £1,000 is covered with the Silver policy. The Gold limit is up to £1,000,000.
- Trace and access: With the Silver policy level you’re covered up to £5,000 for a plumbing service to find and fix costly leaks that may damage your property. With Gold the upper limit is up to the buildings sum insured.
- Acquired disability: You’re covered up to £10,000 with the Gold policy for changes that need to be made to your home if you becoming permanently physically disabled. This benefit is not offered with the Silver policy.
Contents insurance covers the contents within your home. Post Office offers a few extras with its cover too, including:
- Contents cover: You’re able to claim for losses to personal possessions up to a value of £80,000 with the Silver level of cover and £100,000 with Gold.
- Valuables in the home: The insurer will cover the loss of valuables up to a total of £24,000 or £30,000, depending on whether you have Silver or Gold cover.
- High valuable contents insurance: Individual valuable items are covered to a maximum of £2,500 regardless of insurance level.
- Garden Cover: Loss, damage of theft of hedges, lawns and plants is covered to a maximum of £1,000 with Silver insurance and £1,500 with gold.
- Home entertainment equipment cover: Unlimited cover for this form of claim is available with both the Silver and Gold policies.
- Matching sets: Typically covering three-piece suites, but it can also ensure other matching sets that can’t be repaired or replaced are replaced. It’s available with Gold only.