Post Office Money

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. It also offers insurance products.

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

Its car and home insurance are provided by BISL, which provides insurance services for a number of major financial brands, while its new travel insurance policies are underwritten by Great Lakes Reinsurance, replacing Union Reiseversicherung AG (URV).

Its life insurance is backed by Royal London.

Post Office Money
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Bank accounts

Ranked 24th of 30 providers reviewed.

Customer happiness 56%
Customer trust 43%
Complaints performance 61%
Transparency rating 58%
Fairer Finance score
Reviewed Spring 2019
55%

Car insurance

Ranked 48th of 51 providers reviewed.

Customer happiness 56%
Customer trust 42%
Complaints performance 64%
Transparency rating 33%
Fairer Finance score
Reviewed Spring 2019
49%

Credit cards

Ranked 23rd of 34 providers reviewed.

Customer happiness 56%
Customer trust 47%
Complaints performance 61%
Transparency rating 43%
Fairer Finance score
Reviewed Spring 2019
52%

Home insurance

Ranked 40th of 47 providers reviewed.

Customer happiness 51%
Customer trust 45%
Complaints performance 64%
Transparency rating 44%
Fairer Finance score
Reviewed Spring 2019
51%

Life insurance

Ranked 25th of 25 providers reviewed.

Claims score 96.28%
Complaints performance 78.99%
Transparency rating 49%
Fairer Finance score
Reviewed Spring 2019
64%

Savings accounts

Ranked 42nd of 42 providers reviewed.

Customer happiness 40%
Customer trust 44%
Complaints performance 61%
Transparency rating 34%
Fairer Finance score
Reviewed Spring 2019
45%
Gold ribbon: first place

Travel insurance

Ranked 7th of 59 providers reviewed.

Customer happiness 65%
Customer trust 60%
Complaints performance 67%
Transparency rating 47%
Fairer Finance score
Reviewed Spring 2019
60%

Car insurance

4 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Post Office Money

Premier (Comparison Site)

4 stars
Cover for keys/locks if lost i £1,000
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Post Office Money

Under 50s

2 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Credit cards

0% balance transfers

Post Office Money

Balance Transfer Credit Card

3 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 18 or 22 or 25
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

Post Office Money

Matched Card

2 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 8 months
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

Post Office Money

Platinum Card

2 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 8 months
Representative APR i 18.90%
Risk based? i
Representative balance transfer rate i 1.46%

0% purchases

Post Office Money

Matched Card

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 8 months
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Post Office Money

Platinum Card

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 8 months
Representative APR i 18.90%
Risk based? i
Representative purchase rate i 1.46%
Number of days before interest is charged on purchases i 56 days

Post Office Money

Balance Transfer Credit Card

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 3 months
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Foreign use credit cards

Post Office Money

Platinum Card

4 stars
Representative APR i 18.90%
Foreign purchase fee i 0%
Foreign withdrawal fee i 2.50%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.46%

Post Office Money

Matched Card

3 stars
Representative APR i 19.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.50%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Post Office Money

Balance Transfer Credit Card

3 stars
Representative APR i 19.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.50%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Home insurance

Buildings insurance

Post Office Money

Home Insurance (Over 50s)

4 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i £1,000
Compulsory excess i £100
Escape of water excess i £250
Alternative accommodation cover limit i Sum insured
Cover for keys/locks if stolen i £1,000
Property owner liability i £2,000,000
24hr helpline i

Post Office Money

Premier Home Insurance (Comparison site)

4 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i £1,000
Compulsory excess i £100
Escape of water excess i £250
Alternative accommodation cover limit i Sum insured
Cover for keys/locks if stolen i £1,000
Property owner liability i £2,000,000
24hr helpline i

Post Office Money

Home Insurance (Under 50s)

3 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i £500
Compulsory excess i £100
Escape of water excess i £250
Alternative accommodation cover limit i 20% of sum insured up to £15,000
Cover for keys/locks if stolen i £500
Property owner liability i £2,000,000
24hr helpline i

Post Office Money

Home Insurance (Comparison site)

3 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i £500
Compulsory excess i £100
Escape of water excess i £250
Alternative accommodation cover limit i 20% of sum insured up to £15,000
Cover for keys/locks if stolen i £500
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

Post Office Money

Home Insurance (Over 50s)

3 stars
Theft from outbuildings i £2,000
Matching sets i
Cover for keys/locks if lost i £1,000
Cycles included whilst in the home i £350
New for old i
Alternative accomodation i Sum insured
Money in the home i £500
Cover for keys/locks if stolen i £1,000
24hr helpline i

Post Office Money

Home Insurance (Under 50s)

3 stars
Theft from outbuildings i £2,000
Matching sets i
Cover for keys/locks if lost i £500
Cycles included whilst in the home i £350
New for old i
Alternative accomodation i 10% of sum insured up to £7,000
Money in the home i £500
Cover for keys/locks if stolen i £500
24hr helpline i

Post Office Money

Home Insurance (Comparison site)

3 stars
Theft from outbuildings i £2,000
Matching sets i
Cover for keys/locks if lost i £500
Cycles included whilst in the home i £350
New for old i
Alternative accomodation i 10% of sum insured up to £7,000
Money in the home i £500
Cover for keys/locks if stolen i £500
24hr helpline i

Post Office Money

Premier Home Insurance (Comparison site)

3 stars
Theft from outbuildings i £2,000
Matching sets i
Cover for keys/locks if lost i £1,000
Cycles included whilst in the home i £350
New for old i
Alternative accomodation i Sum insured
Money in the home i £500
Cover for keys/locks if stolen i £1,000
24hr helpline i

Life insurance

Over 50s life insurance

Post Office Money

Over 50s Life Cover

4 stars
Cover for accidental death in waiting period i Full payout
Waiting period i 12 months
Premium ending age i 90
Can you reduce monthly payments? i
Missed payments allowance i 60 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i 2x the cover
Maximum age i 80
Funeral benefit option £300

Pet insurance

Cat insurance

Post Office Money

Premium Plus

4 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £7,000
Dental cover (if due to an accident) i £7,000
Cruciate ligament damage i £7,000
CT scans i £7,000
MRI scans i £7,000
Prescription diet (treatment of bladder stones only) i £7,001
Euthanasia i £7,000
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 10 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i
3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia i £2,000
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 10 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i
3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,000
Dental cover (if due to an accident) i £1,000
Cruciate ligament damage i £1,000
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £1,000
Euthanasia i £1,000
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 10 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Post Office Money

Essential

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,500
Dental cover (if due to an accident) i £1,500
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £1,500
Euthanasia i £1,500
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 10 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Dog insurance

Post Office Money

Premium Plus

4 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £7,000
Dental cover (if due to an accident) i £7,000
Cruciate ligament damage i £7,000
CT scans i £7,000
MRI scans i £7,000
Prescription diet (treatment of bladder stones only) i £7,000
Euthanasia i £7,000
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 10 years
Amendment fee i £0

Post Office Money

Essential

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,500
Dental cover (if due to an accident) i £1,500
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £1,500
Euthanasia i £1,500
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 10 years
Amendment fee i £0
3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia i £2,000
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 10 years
Amendment fee i £0
3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,000
Dental cover (if due to an accident) i £1,000
Cruciate ligament damage i £1,000
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £1,000
Euthanasia i £1,000
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 10 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

Post Office Money

Superior (Comparison Site)

4 stars
Medical excess i £150
Cancelling before travel i £2,500
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £2,500
Abandoning your trip i £2,500
Lost or stolen cash i £400
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Post Office Money

Superior Plus (Comparison Site)

4 stars
Medical excess i £0
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £3,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £500
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i
4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £350
Combined passport & travel i £125
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Post Office Money

Premier Plus

4 stars
Medical excess i £0
Cancelling before travel i £10,000
Personal possessions & baggage - damaged, lost or stolen i £3,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £10,000
Abandoning your trip i £10,000
Lost or stolen cash i £525
Combined passport & travel i £200
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i
3 stars
Medical excess i £100
Cancelling before travel i £2,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 17 days
Emergency medical cover and repatriation i £5,000,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £2,000
Lost or stolen cash i £250
Combined passport & travel i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Post Office Money

Classic (Comparison Site)

2 stars
Medical excess i £200
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £1,000
Lost or stolen cash i £250
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Post Office Money

Super Economy

1 stars
Medical excess i £150
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 17 days
Emergency medical cover and repatriation i £2,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £1,000
Lost or stolen cash i £0
Combined passport & travel i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i
1 stars
Medical excess i £125
Cancelling before travel i £1,500
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 17 days
Emergency medical cover and repatriation i £2,000,000
Cutting trip short/curtailment i £1,500
Abandoning your trip i £1,500
Lost or stolen cash i £250
Combined passport & travel i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Cruise add-on

Post Office Money

Superior (Comparison Site)

2 stars
Missed port departure i £500
Re-joining a cruise i £0
Cabin confinement i £500
Missed port departure excess i £100
Timetable/itinerary change i £750
Unused excursions i £300
1 stars
Missed port departure i £1,000
Re-joining a cruise i £1,000
Cabin confinement i £0
Missed port departure excess i £50
Timetable/itinerary change i £0
Unused excursions i £0

Post Office Money

Premier Plus

1 stars
Missed port departure i £1,500
Re-joining a cruise i £1,500
Cabin confinement i £0
Missed port departure excess i £0
Timetable/itinerary change i £0
Unused excursions i £0

Post Office Money

Classic (Comparison Site)

1 stars
Missed port departure i £500
Re-joining a cruise i £0
Cabin confinement i £500
Missed port departure excess i £200
Timetable/itinerary change i £750
Unused excursions i £300

Post Office Money

Superior Plus (Comparison Site)

1 stars
Missed port departure i £500
Re-joining a cruise i £0
Cabin confinement i £500
Missed port departure excess i £0
Timetable/itinerary change i £750
Unused excursions i £300

Single trip insurance

Post Office Money

Superior (Comparison Site)

4 stars
Medical excess i £150
Cancelling before travel i £2,500
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £2,500
Missed departure i £500
Abandoning your trip i £2,500
Lost or stolen cash i £400
Combined passport & travel i £500

Post Office Money

Superior Plus (Comparison Site)

4 stars
Medical excess i £0
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £3,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £500
Combined passport & travel i £500
4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £350
Combined passport & travel i £125

Post Office Money

Premier Plus

4 stars
Medical excess i £0
Cancelling before travel i £10,000
Personal possessions and baggage - damaged, lost or stolen i £3,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £10,000
Missed departure i £1,500
Abandoning your trip i £10,000
Lost or stolen cash i £525
Combined passport & travel i £200
3 stars
Medical excess i £100
Cancelling before travel i £2,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £5,000,000
Cutting trip short/curtailment i £2,000
Missed departure i £750
Abandoning your trip i £2,000
Lost or stolen cash i £250
Combined passport & travel i £100

Post Office Money

Classic (Comparison Site)

2 stars
Medical excess i £200
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £250
Abandoning your trip i £1,000
Lost or stolen cash i £250
Combined passport & travel i £300

Post Office Money

Super Economy

1 stars
Medical excess i £150
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £2,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £0
Abandoning your trip i £1,000
Lost or stolen cash i £0
Combined passport & travel i £100
1 stars
Medical excess i £125
Cancelling before travel i £1,500
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £2,000,000
Cutting trip short/curtailment i £1,500
Missed departure i £0
Abandoning your trip i £1,500
Lost or stolen cash i £250
Combined passport & travel i £100

Winter sports add-on

3 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £500
Ski equipment owned excess i £50
Ski equipment hired i £1,000
Single item limit for hired equipment i £500
Avalanche closure i £300
Piste closure i £300
Unused ski pass due to illness or injury i £400

Post Office Money

Premier Plus

3 stars
Ski equipment owned i £2,000
Single item limit for owned equipment i £1,000
Hiring replacement winter sports equipment i £1,000
Ski equipment owned excess i £0
Ski equipment hired i £2,000
Single item limit for hired equipment i £1,000
Avalanche closure i £400
Piste closure i £400
Unused ski pass due to illness or injury i £500

Post Office Money

Super Economy

1 stars
Ski equipment owned i £200
Single item limit for owned equipment i £100
Hiring replacement winter sports equipment i £100
Ski equipment owned excess i £125
Ski equipment hired i £200
Single item limit for hired equipment i £100
Avalanche closure i £100
Piste closure i £100
Unused ski pass due to illness or injury i £150
1 stars
Ski equipment owned i £200
Single item limit for owned equipment i £100
Hiring replacement winter sports equipment i £100
Ski equipment owned excess i £125
Ski equipment hired i £200
Single item limit for hired equipment i £100
Avalanche closure i £100
Piste closure i £100
Unused ski pass due to illness or injury i £200
1 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £250
Ski equipment owned excess i £100
Ski equipment hired i £500
Single item limit for hired equipment i £250
Avalanche closure i £200
Piste closure i £200
Unused ski pass due to illness or injury i £300

Post Office Money

Classic (Comparison Site)

1 stars
Ski equipment owned i £400
Single item limit for owned equipment i £150
Hiring replacement winter sports equipment i £100
Ski equipment owned excess i £200
Ski equipment hired i £400
Single item limit for hired equipment i £250
Avalanche closure i £200
Piste closure i £200
Unused ski pass due to illness or injury i £250

Post Office Money

Superior (Comparison Site)

1 stars
Ski equipment owned i £400
Single item limit for owned equipment i £150
Hiring replacement winter sports equipment i £100
Ski equipment owned excess i £100
Ski equipment hired i £400
Single item limit for hired equipment i £250
Avalanche closure i £200
Piste closure i £200
Unused ski pass due to illness or injury i £250

Post Office Money

Superior Plus (Comparison Site)

1 stars
Ski equipment owned i £400
Single item limit for owned equipment i £150
Hiring replacement winter sports equipment i £100
Ski equipment owned excess i £0
Ski equipment hired i £400
Single item limit for hired equipment i £250
Avalanche closure i £200
Piste closure i £200
Unused ski pass due to illness or injury i £250