Post Office

Post Office money was launched in 2015. The Post Office's financial services arm is owned by the Bank of Ireland, although some of its products are sourced from other third parties. Their headquarters are in London.

Post Office Money offers a wide range of financial products, from online ISAs to pre-paid funeral plans and insurance plans.

Its car insurance are provided by BISL, which provides insurance services for a number of major financial brands. It's home insurance is underwritten by Ageas while its new travel insurance policies are underwritten by Collision Insurance.

Its life insurance is backed by Royal London.

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Car insurance

Ranked 44^th of 49 providers reviewed.

Customer happiness score	50%
Customer trust score	45.08%
Complaints performance	70.13%
Transparency rating	71.25%
Fairer Finance score Reviewed Autumn 2023	59%

Credit cards

Ranked 29^th of 34 providers reviewed.

Customer happiness score	50.69%
Customer trust score	44.44%
Complaints performance	69.39%
Transparency rating	54.49%
Fairer Finance score Reviewed Autumn 2023	55%

Home insurance (building and contents)

Ranked 30^th of 46 providers reviewed.

Customer happiness score	59.52%
Customer trust score	53.7%
Complaints performance	63.43%
Transparency rating	73.41%
Fairer Finance score Reviewed Autumn 2023	62%

Life insurance

Ranked 3^rd of 24 providers reviewed.

Claims score	93.76%
Complaints performance	86.19%
Transparency rating	61.13%
Fairer Finance score Reviewed Autumn 2023	80%

Personal loans

Ranked 16^th of 27 providers reviewed.

Customer happiness score	54.46%
Customer trust score	50%
Complaints performance	74.55%
Transparency rating	70.5%
Fairer Finance score Reviewed Autumn 2023	62%

Savings Accounts

Ranked 47^th of 53 providers reviewed.

Customer happiness score	43.72%
Customer trust score	47.91%
Complaints performance	74.46%
Transparency rating	63.62%
Fairer Finance score Reviewed Autumn 2023	57%

Travel insurance

Ranked 3^rd of 45 providers reviewed.

Customer happiness score	56.27%
Customer trust score	59.07%
Complaints performance	70.21%
Transparency rating	73.44%
Fairer Finance score Reviewed Autumn 2023	65%

Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i	£1,000.00
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i	£25.00
Windscreen replacement excess i	£99.00
Cover limit for stolen keys i	£1,000.00
Cover for replacing original audio/visual equipment i	Unlimited
Repairs guarantee (years) i	3 years
Vandalism i

Duration of 0% balance transfer offer period i	12 months
Balance transfer fee during promotional period i	2.9%
Representative APR i	34.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	2.9%
Representative balance transfer rate i	2.53%
Risk based? i

Representative APR i	34.9%
Representative cash transaction interest rate i	2.53%
Representative purchase rate i	2.53%
Risk based? i
Representative balance transfer rate i	2.53%
Initial minimum credit limit i	£200.00
Statement Due Date Change Fee i	£0.00

Accidental loss cover i
Mechanical breakdown cover i
Maximum single-item cover limit i	Sum insured
Type of product i	Stand-Alone
How is the excess charged? i	Standard excess decreases through time
Accidental damage cover i
Lowest excess i	£25.00
Liquid damage excess i	£45.00
Theft & loss claims excess i	£45.00
Mechanical breakdown cover replacement limit i	Sum insured
Theft Cover i
Accidental damage and breakdown claims excess i	£45.00
Theft replacement limit i	Sum insured
Cancellation fee i	£0.00
Malicious damage cover i
Arrangement fee i	£0.00
Additional early claims excess i	£5.00
Unauthorised usage cover i	£2,500.00
Immediate cover with no additional excess in the first 30 days of the policy i
Unauthorised usage cover (E-wallet) i	£500.00
Accessories cover limit i	£150.00
High end smartphones (>£1,000) minimum excess i	£45.00
High end tablets (>£1,200) minimum excess i	£45.00
High end laptops (>=£1,500) minimum excess i	£45.00
High end MacBooks (>=£1,500) minimum excess i	£45.00
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i	ERGO TIS on behalf of Great Lakes Insurance SE (GLISE)
Age of customer requirement i	18.00 years
No claims period i	Immediate Cover
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i	Worldwide
Maximum age of phones i	36 months
Maximum age of gadgets eligible for cover i	36 months
Rapid replacement i
Pro-rata refund i
Claim under warranty i
Replacement claims limit per Item for accidental damage/mechanical failure i	Unlimited
Replacement claims limit per Item for theft or loss i	Unlimited
Replacement warranty i	12 months
International cover limit (Days) i	45.00 days
Smartphones i
Tablets i
Smart watches i
Game Consoles i
Headphones i
Cameras i
E-readers i
Sat-Navs i
MP3 Players i
MacBooks or Laptops

Escape of water excess for buildings i	£350.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i	Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£100.00
Unoccupied period i	60 days
Property owner liability i	£2,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i	£35.00
Amendment fee (telephone) i	£10.00

How long after policy is started can full benefits be claimed? i	12 months
Age when premiums stop i	95
Cover type (level or increasing) i	Increasing
Cover for accidental death in waiting period i	200%
Signing up incentive i	£125 Gift Card
Can you reduce monthly payments? i
Minimum age i	50
If a payment is missed, how long until the policy is cancelled? i	60 days
Maximum age i	80
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i	3%
Cover for non-accidental death in waiting period (% of premiums paid) i	100%
Payout for accidental death outside waiting period i	150%
How much for terminal illness benefit? i	£0.00
How much will be paid for serious illness? i	£0.00
Discount offered with a funeral provider? i	£250
Funeral benefit option provider i	Co-op Funeralcare

Medical excess i	£80.00
Type of cover i	Lifetime, annual
Medical cover limit i	£4,500.00
Age when compulsory excess rises i	10 years
Annual policy limit i	£4,500.00
Cancellation fee i	£0.00
Annual condition limit i
Amendment fee i	£0.00
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£4,500.00
Cruciate ligament damage i	£4,500.00
CT scans i	£4,500.00
MRI scans i	£4,500.00
Prescribed food i	£4,500.00
Complementary treatment i	£1,500.00
Boarding fees limit i	£2,000.00
Death benefit (illness) i	£2,000.00
Euthanasia cover limit i	£4,500.00
Cremation i	£200.00
If renewed, are existing conditions covered? i
Holiday cancellation i	£3,000.00
Holiday cover i	£4,500.00
Quarantine costs cover i	£1,000.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i	£1,000.00
Maximum number of days abroad i	90 days

Medical excess i	£50.00
Cancelling before travel cover limit i	£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£3,000.00
Emergency medical cover and repatriation cover limit i	£10,000,000.00
Mental health cover i
Max trip duration i	31 days
Cutting trip short (curtailment) cover limit i	£5,000.00
Abandoning your trip (abandonment) cover limit i	£5,000.00
Personal money i	£500.00
Combined passport & travel documents cover limit i	£500.00
Natural disaster relocation cover i

Missed port departure cover limit i	£1,000.00
Re-joining a cruise cover limit i	£1,000.00
Cabin confinement cover limit i	£500.00
Missed port departure excess i	£50.00
Timetable/itinerary change cover limit i	£500.00
Unused excursions cover limit i	£500.00

Ski equipment owned cover limit i	£1,000.00
Single owned item cover limit i	£1,000.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i	£500.00
Ski equipment owned excess i	£50.00
Ski equipment hired i	£1,000.00
Single item limit for hired equipment i	£1,000.00
Avalanche closure cover limit i	£350.00
Piste closure cover limit i	£500.00
Unused ski pass due to illness or injury i	£400.00

Post Office

Car insurance

Credit cards

0% balance transfer credit cards

Credit builder credit cards

Gadget insurance

Home insurance (building and contents)

Buildings insurance

Life insurance

Over 50s life insurance

Pet insurance

Cat insurance

Dog insurance

Travel insurance

Annual multi-trip insurance

Single trip insurance

Travel insurance add-on: cruise cover

Travel insurance add-on: winter sports

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