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.

Post Office
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Car insurance

Ranked 27th of 52 providers reviewed.

Customer happiness 57.62%
Customer trust 54.76%
Complaints performance 79.63%
Transparency rating 70.9%
Fairer Finance score
Reviewed Autumn 2022
66%

Credit cards

Ranked 21st of 31 providers reviewed.

Customer happiness 53.89%
Customer trust 52.22%
Complaints performance 66.51%
Transparency rating 56.41%
Fairer Finance score
Reviewed Autumn 2022
57%

Home insurance (building and contents)

Ranked 30th of 48 providers reviewed.

Customer happiness 58.29%
Customer trust 53.13%
Complaints performance 69.1%
Transparency rating 71.99%
Fairer Finance score
Reviewed Autumn 2022
63%
Gold ribbon: first place

Life insurance

Ranked 3rd of 26 providers reviewed.

Claims score 93.85%
Complaints performance 93.63%
Transparency rating 60.48%
Fairer Finance score
Reviewed Autumn 2022
83%

Savings Accounts

Ranked 34th of 50 providers reviewed.

Customer happiness 49.58%
Customer trust 55.44%
Complaints performance 73.15%
Transparency rating 66.1%
Fairer Finance score
Reviewed Autumn 2022
61%
Gold ribbon: first place

Travel insurance

Ranked 13th of 38 providers reviewed.

Customer happiness 53.05%
Customer trust 59.28%
Complaints performance 53.3%
Transparency rating 66.91%
Fairer Finance score
Reviewed Autumn 2022
58%

Car insurance

Post Office

Over 50s (with keycare cover and guaranteed replacement car)

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

Post Office

Under 50s (with keycare cover and guaranteed replacement car)

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

Post Office

Over 50s

3 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £99.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Post Office

Under 50s

2 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £99.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Credit cards

0% balance transfer credit cards

Post Office

Classic

3 stars
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 2.529%
Risk based? i

0% purchase credit cards

Post Office

Classic

3 stars
Duration of purchases offer period i 12 months
Representative APR i 34.9%
Highest APR i 34.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 2.529%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Foreign use credit cards

Post Office

Classic

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 34.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 2.529%

Gadget insurance

Post Office

Premier Cover

4 stars
Accidental loss cover i
Mechanical breakdown cover i
Maximum single-item cover limit i £2,500.00
Accidental damage cover i
Territorial limits restriction i
Mechanical breakdown cover replacement limit i £2,500.00
Theft Cover i
Theft replacement limit i £2,500.00
Malicious damage cover i
Unauthorised usage cover i £2,500.00
Unauthorised usage cover (E-wallet) i £500.00
Accessories cover limit i £150.00
How is the excess charged? i Standard excess decreases through time
Lowest excess i £25.00
Liquid damage excess i £50.00
Theft & loss claims excess i £50.00
Accidental damage and breakdown claims excess i £50.00
Cancellation fee i £15.00
Arrangement fee i £0.00
Additional excess charge i £0.00
Immediate cover with no additional excess in the first 30 days of the policy i FALSE
High end smartphones (>£1,000) minimum excess i £50.00
High end tablets (>£1,200) minimum excess i £50.00
High end laptops (>=£1,500) minimum excess i £50.00
High end MacBooks (>=£1,500) minimum excess i £50.00
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
Type of product i Stand-Alone
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i Great Lake Insurance SE
Age of customer requirement i 18
No claims period i 30
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i UK Only
Maximum age of phones i 36 Months
Maximum age of gadgets eligible for cover i 36 Months
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

Post Office

Standard Cover

4 stars
Accidental loss cover i
Mechanical breakdown cover i
Maximum single-item cover limit i £2,500.00
Accidental damage cover i
Territorial limits restriction i
Mechanical breakdown cover replacement limit i £2,500.00
Theft Cover i
Theft replacement limit i £2,500.00
Malicious damage cover i
Unauthorised usage cover i £2,500.00
Unauthorised usage cover (E-wallet) i £500.00
Accessories cover limit i £150.00
How is the excess charged? i Standard excess decreases through time
Lowest excess i £50.00
Liquid damage excess i £100.00
Theft & loss claims excess i £100.00
Accidental damage and breakdown claims excess i £100.00
Cancellation fee i £15.00
Arrangement fee i £0.00
Additional excess charge i £0.00
Immediate cover with no additional excess in the first 30 days of the policy i FALSE
High end smartphones (>£1,000) minimum excess i £100.00
High end tablets (>£1,200) minimum excess i £100.00
High end laptops (>=£1,500) minimum excess i £100.00
High end MacBooks (>=£1,500) minimum excess i £100.00
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
Type of product i Stand-Alone
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i Great Lake Insurance SE
Age of customer requirement i 18
No claims period i 30
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i UK Only
Maximum age of phones i 36 Months
Maximum age of gadgets eligible for cover i 36 Months
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

Post Office

Economy Cover

2 stars
Accidental loss cover i
Mechanical breakdown cover i
Maximum single-item cover limit i £2,500.00
Accidental damage cover i
Territorial limits restriction i
Mechanical breakdown cover replacement limit i £2,500.00
Theft Cover i
Theft replacement limit i £2,500.00
Malicious damage cover i
Unauthorised usage cover i £2,500.00
Unauthorised usage cover (E-wallet) i £500.00
Accessories cover limit i £150.00
How is the excess charged? i Standard excess decreases through time
Lowest excess i £125.00
Liquid damage excess i £175.00
Theft & loss claims excess i £175.00
Accidental damage and breakdown claims excess i £175.00
Cancellation fee i £15.00
Arrangement fee i £0.00
Additional excess charge i £0.00
Immediate cover with no additional excess in the first 30 days of the policy i FALSE
High end smartphones (>£1,000) minimum excess i £175.00
High end tablets (>£1,200) minimum excess i £175.00
High end laptops (>=£1,500) minimum excess i £175.00
High end MacBooks (>=£1,500) minimum excess i £175.00
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
Type of product i Stand-Alone
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i Great Lake Insurance SE
Age of customer requirement i 18
No claims period i 30
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i UK Only
Maximum age of phones i 36 Months
Maximum age of gadgets eligible for cover i 36 Months
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

Home Emergency Cover

Post Office

DAS Home Emergency Cover (Bronze & Silver Plus)

4 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home emergency policy
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i DAS Legal Expenses Insurance Company Ltd
Maximum Excess i £0.00
Alternative Accommodation Cover i £300.00
24/7 Claims Helpline i
Unoccupied period i 60

Post Office

DAS Home Emergency Cover (Gold Plus)

4 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home emergency policy
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i DAS Legal Expenses Insurance Company Ltd
Maximum Excess i £0.00
Alternative Accommodation Cover i £300.00
24/7 Claims Helpline i
Unoccupied period i 60

Post Office

DAS Home Emergency Cover (Silver & Gold)

4 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home emergency policy
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i DAS Legal Expenses Insurance Company Ltd
Maximum Excess i £0.00
Alternative Accommodation Cover i £300.00
24/7 Claims Helpline i
Unoccupied period i 60

Home insurance (building and contents)

3 stars
Alternative accommodation cover limit for buildings i Unlimited
Matching sets (Contents) i
Theft from outbuildings cover limit i £2,000.00
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £25,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £1,000,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £1,000.00
Replace belongings new for old i
Trace and Access i Sum Insured
Matching sets (Buildings) i
Escape of Water (Plus Compulsory Excess) i £350.00
Compulsory excess (Contents) i £100.00
Flood excess i £250.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £0.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings Cover limit i £1,000,000.00
Contents Cover limit i £100,000.00
Underwriter Ageas
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee i £10.00
Cancellation fee after 14 days i £35.00
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection £1,500.00
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents £0.00
Visitor's Possessions £0.00
Out in Open Cover
Frozen Food Cover £1,000,000.00
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £1,000.00
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £5,000.00
Household Removals
Student's Belongings
Shopping in Transit £0.00
Cover Away from Home offered for: Electronics Optional
Cover Away from Home offered for: Money Optional
Cover Away from Home offered for: Jewellery Optional
Cover Away from Home offered for: Bicycles & Other Optional
Special events (weddings and civil ceremonies) - limit Sum Insured
Special events (weddings and civil ceremonies) - days 30 days
Special events (births) - limit Sum Insured
Special events (births) - days 30 days
Special events (anniversaries and birthdays) - limit sum Insured
Special events (anniversaries and birthdays) - days 30 days
Special events (religious events) - limit sum Insured
Special events (religious events) - days 30 days
Cover for Home Emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Post Office

Silver

2 stars
Alternative accommodation cover limit for buildings i £200,000.00
Matching sets (Contents) i
Theft from outbuildings cover limit i £2,000.00
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £15,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £1,000.00
Keys/locks if lost or stolen (Buildings) i £1,000.00
Money in the home i £1,000.00
Replace belongings new for old i
Trace and Access i £5,000.00
Matching sets (Buildings) i
Escape of Water (Plus Compulsory Excess) i £350.00
Compulsory excess (Contents) i £100.00
Flood excess i £250.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £0.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings Cover limit i £1,000,000.00
Contents Cover limit i £80,000.00
Underwriter Ageas
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee i £10.00
Cancellation fee after 14 days i £35.00
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection £1,000.00
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents £0.00
Visitor's Possessions £0.00
Out in Open Cover
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £1,000.00
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £0.00
Household Removals
Student's Belongings
Shopping in Transit £0.00
Cover Away from Home offered for: Electronics Optional
Cover Away from Home offered for: Money Optional
Cover Away from Home offered for: Jewellery Optional
Cover Away from Home offered for: Bicycles & Other Optional
Special events (weddings and civil ceremonies) - limit Sum Insured
Special events (weddings and civil ceremonies) - days 30 days
Special events (births) - limit Sum Insured
Special events (births) - days 30 days
Special events (anniversaries and birthdays) - limit sum Insured
Special events (anniversaries and birthdays) - days 30 days
Special events (religious events) - limit sum Insured
Special events (religious events) - days 30 days
Cover for Home Emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Buildings insurance

3 stars
Trace and Access i Sum Insured
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i Unlimited
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £350.00
Buildings Compulsory Excess i £100.00
Escape of water excess i £350.00
Flood excess i £250.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £35.00
Amendment fee i £10.00
Property owner liability i £2,000,000.00

Post Office

Silver

2 stars
Trace and Access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £1,000.00
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i £200,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £350.00
Buildings Compulsory Excess i £100.00
Escape of water excess i £350.00
Flood excess i £250.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £35.00
Amendment fee i £10.00
Property owner liability i £2,000,000.00

Contents insurance

3 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i £1,000,000.00
Theft from outbuildings cover limit i £2,000.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £1,000.00
Alternative accommodation cover limit for contents i £25,000.00
24hr helpline i

Post Office

Silver

2 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i £1,000.00
Theft from outbuildings cover limit i £2,000.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £1,000.00
Alternative accommodation cover limit for contents i £15,000.00
24hr helpline i

Life insurance

Over 50s life insurance

Post Office

Over 50s Life Cover (Increasing)

4 stars
Age when premiums stop i 95
Cover for accidental death in waiting period i 2x cover amount
How long after policy is started can full benefits be claimed? i 12 months
Signing up incentive i £100 gift card
Maximum age i 80
Payout for accidental death outside waiting period i 2 x full payout
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i 60 days
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
Discount offered with a funeral provider? i £250

Post Office

Over 50s Life Cover (Level)

4 stars
Age when premiums stop i 95
Cover for accidental death in waiting period i 2x cover amount
How long after policy is started can full benefits be claimed? i 12 months
Signing up incentive i £100 gift card
Maximum age i 80
Payout for accidental death outside waiting period i 2 x full payout
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i 60 days
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
Discount offered with a funeral provider? i £250

Pet insurance

Cat insurance

Post Office

Lifetime £7,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,000.00
Medical excess i £90.00
Annual policy limit i £7,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,000.00
Cruciate ligament damage i £7,000.00
CT scans i £7,000.00
MRI scans i £7,000.00
Prescription diet (treatment of bladder stones only) i £7,000.00
Complementary treatment i £750.00
Boarding fees limit i £2,000.00
Death benefit (illness) i £2,000.00
Euthanasia cover limit i £7,000.00
Cremation i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £7,000.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Post Office

Max Benefit

3 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £2,000.00
Medical excess i £90.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £2,000.00
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) i £2,000.00
Complementary treatment i £750.00
Boarding fees limit i £500.00
Death benefit (illness) i £500.00
Euthanasia cover limit i £2,000.00
Cremation i £0.00
Holiday cancellation i £500.00
Holiday cover i £2,000.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Post Office

Lifetime £3,000

2 stars
Type of cover i Lifetime, other
Medical cover limit i £3,000.00
Medical excess i £90.00
Annual policy limit i £3,000.00
Annual condition limit i £1,000.00
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) i £1,000.00
Complementary treatment i £750.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £1,000.00
Cremation i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £1,000.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Post Office

Time Limited

1 stars
Type of cover i Time-limited
Medical cover limit i £1,500.00
Medical excess i £90.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £1,500.00
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,500.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £750.00
Boarding fees limit i £500.00
Death benefit (illness) i £500.00
Euthanasia cover limit i £1,500.00
Cremation i £0.00
Holiday cancellation i £500.00
Holiday cover i £1,500.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

Post Office

Lifetime £7,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,000.00
Medical excess i £90.00
Annual policy limit i £7,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,000.00
Cruciate ligament damage i £7,000.00
CT scans i £7,000.00
MRI scans i £7,000.00
Prescription diet (treatment of bladder stones only) i £7,000.00
Complementary treatment i £750.00
Euthanasia cover limit i £7,000.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £7,000.00
If renewed, are existing conditions covered? i

Post Office

Max Benefit

3 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £2,000.00
Medical excess i £90.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 2,000
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) i £2,000.00
Complementary treatment i £750.00
Euthanasia cover limit i £2,000.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £500.00
Holiday cover i £2,000.00
If renewed, are existing conditions covered? i

Post Office

Lifetime £3,000

2 stars
Type of cover i Lifetime, other
Medical cover limit i £3,000.00
Medical excess i £90.00
Annual policy limit i £3,000.00
Annual condition limit i £1,000.00
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) i £1,000.00
Complementary treatment i £750.00
Euthanasia cover limit i £1,000.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £1,000.00
If renewed, are existing conditions covered? i

Post Office

Time Limited

1 stars
Type of cover i Time-limited
Medical cover limit i £1,500.00
Medical excess i £90.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 1,500
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,500.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £750.00
Euthanasia cover limit i £1,500.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £500.00
Holiday cover i £1,500.00
If renewed, are existing conditions covered? i

Savings Accounts

1 Year Fixed Rate Accounts

Post Office

Online Bond Issue 89

Interest Rate (AER) i 3.6%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £2,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Post Office

Growth Bond (Issue 52)

Interest Rate (AER) i 3.35%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 11
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

2 Year Fixed Rate Accounts

Post Office

Growth Bond (Issue 52)

Interest Rate (AER) i 3.45%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 11
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Post Office

Online Bond Issue 89

Interest Rate (AER) i 3.7%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £2,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

3 Year Fixed Rate Accounts

Post Office

Online Bond Issue 89

Interest Rate (AER) i 3.8%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £2,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Post Office

Growth Bond (Issue 52)

Interest Rate (AER) i 3.55%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you to request if you would like the funds to be transferred to another fixed term account or an easy access account.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 11
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Easy Access Accounts

Post Office

Online Saver Issue 61

Interest Rate (AER) i 2.65%
Maximum Balance i £2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Post Office

Instant Saver (Issue 22)

Interest Rate (AER) i 2%
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £100.00
Minimum Age to Open Account i 11
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Post Office

Fixed Rate Cash ISA (Issue 36)

Interest Rate (AER) i 2.9%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Post Office

Online ISA - Fixed Rate Issue 34

Interest Rate (AER) i 2.9%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest, funds will be transferred to nominated account or to holding account
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

Post Office

Fixed Rate Cash ISA (Issue 36)

Interest Rate (AER) i 3%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 180 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Post Office

Online ISA - Fixed Rate Issue 34

Interest Rate (AER) i 3%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 180 days interest, funds will be transferred to nominated account or to holding account
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Post Office

Easy Access Cash ISA (Issue 27)

Interest Rate (AER) i 1.9%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £100.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Post Office

Online ISA - Easy Access (Issue 33)

Interest Rate (AER) i 2.15%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £100.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Travel insurance

Annual multi-trip insurance

Post Office

Standard

4 stars
Medical excess i £99.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000.00
Cancelling before travel cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £7,500,000.00
Mental health cover i
Personal money i £350.00
Combined passport & travel cover limit i £350.00
Cutting trip short cover limit i £3,000.00
Abandoning your trip cover limit i £3,000.00
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 17 days

Post Office

Premier

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

Post Office

Economy

1 stars
Medical excess i £125.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500.00
Cancelling before travel cover limit i £1,000.00
Emergency medical cover and repatriation cover limit i £5,000,000.00
Mental health cover i
Personal money i £250.00
Combined passport & travel cover limit i £250.00
Cutting trip short cover limit i £1,000.00
Abandoning your trip cover limit i £0.00
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 17 days

Single trip insurance

Post Office

Standard

4 stars
Cancelling before travel cover limit i £3,000.00
Medical excess i £99.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short cover limit i £3,000.00
Missed departure cover limit i £750.00
Abandoning your trip cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £7,500,000.00
Personal money i £350.00
Combined passport & travel cover limit i £350.00

Post Office

Premier

4 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel cover limit i £500.00

Post Office

Economy

1 stars
Cancelling before travel cover limit i £1,000.00
Medical excess i £125.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cutting trip short cover limit i £1,000.00
Missed departure cover limit i £0.00
Abandoning your trip cover limit i £0.00
Emergency medical cover and repatriation cover limit i £5,000,000.00
Personal money i £250.00
Combined passport & travel cover limit i £250.00

Travel insurance add-on: cruise cover

Post Office

Premier

3 stars
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 £0.00
Unused excursions cover limit i £500.00

Post Office

Economy

3 stars
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 £125.00
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £500.00

Post Office

Standard

3 stars
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 £99.00
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £500.00

Travel insurance add-on: winter sports

Post Office

Premier

4 stars
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
Avalanche closure cover limit i £350.00
Piste closure cover limit i £350.00
Ski equipment owned excess i £50.00
Ski equipment hired i £1,000.00
Single item limit for hired equipment i £1,000.00
Unused ski pass due to illness or injury i £300.00

Post Office

Economy

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £150.00
Piste closure cover limit i £250.00
Ski equipment owned excess i £125.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £300.00

Post Office

Standard

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £250.00
Ski equipment owned excess i £99.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £400.00