Post Office Money

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 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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Car insurance

Ranked 49th of 52 providers reviewed.

Customer happiness 58.76%
Customer trust 55.58%
Complaints performance 74.62%
Transparency rating 51.91%
Fairer Finance score
Reviewed Autumn 2020
53%

Credit cards

Ranked 15th of 29 providers reviewed.

Customer happiness 58%
Customer trust 51%
Complaints performance 71%
Transparency rating 44%
Fairer Finance score
Reviewed Autumn 2020
56%

Home insurance (building and contents)

Ranked 31st of 51 providers reviewed.

Customer happiness 51.05%
Customer trust 39.78%
Complaints performance 67.34%
Transparency rating 78.06%
Fairer Finance score
Reviewed Autumn 2020
59%

Life insurance

Ranked 13th of 24 providers reviewed.

Claims score 80.25%
Complaints performance 82.58%
Transparency rating 56.66%
Fairer Finance score
Reviewed Autumn 2020
73%

Savings accounts

Ranked 39th of 47 providers reviewed.

Customer happiness 50.48%
Customer trust 49.67%
Complaints performance 71.68%
Transparency rating 51.42%
Fairer Finance score
Reviewed Autumn 2020
56%
Gold ribbon: first place

Travel insurance

Ranked 8th of 69 providers reviewed.

Customer happiness 60.47%
Customer trust 59.76%
Complaints performance 59.38%
Transparency rating 47.6%
Fairer Finance score
Reviewed Autumn 2020
57%

Car insurance

Post Office Money

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

5 stars
Cover limit for lost keys 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 limit for stolen keys 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 (with keycare cover and guaranteed replacement car)

5 stars
Cover limit for lost keys 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 limit for stolen keys 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
4 stars
Cover limit for lost keys i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover limit for stolen keys 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 limit for lost keys 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 limit for stolen keys 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 limit for lost keys i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover limit for stolen keys 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 transfer credit cards

2 stars
Duration of balance transfer offer period i 18 months
Balance transfer fee during promotional period i 2.90%
Representative APR i 34.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 2.53%

0% purchase credit cards

3 stars
Duration of purchases offer period i 12 months
Representative APR i 34.90%
Highest APR i 34.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 2.53%
Number of days before interest is charged on purchases i 56 days

Foreign use credit cards

3 stars
Representative APR i 19.9% to 24.9%
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.87%
1 stars
Representative APR i 34.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 2.53%

Life insurance

Over 50s life insurance

Post Office Money

Over 50s Life Cover

4 stars
Age when premiums stop i 90
How long after policy is started can full benefits be claimed? i 12 months
Cover for accidental death in waiting period i Full payout
Can you reduce monthly payments? i
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
Payout for accidental death outside waiting period i 2x the cover
Discount offered with a funeral provider? i £300

Pet insurance

Cat insurance

Post Office Money

Premium Plus

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £7,000
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £0
3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £2,000
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £250
3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £1,000
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £0

Post Office Money

Essential

2 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £1,500
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £250

Dog insurance

Post Office Money

Premium Plus

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £7,000
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 8 years
Amendment fee i £0

Post Office Money

Essential

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £1,500
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 8 years
Amendment fee i £0
3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £2,000
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 8 years
Amendment fee i £0
3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £1,000
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 8 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

4 stars
Medical excess i £100
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Max trip duration i 17 days
Emergency medical cover and repatriation cover limit i £5,000,000
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £250
Combined passport & travel cover limit i £200
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i
4 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £350
Combined passport & travel cover limit i £400
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Post Office Money

Prime (Comparison Site)

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

Post Office Money

Elite (Comparison Site)

4 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £350
Combined passport & travel cover limit i £400
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i
1 stars
Medical excess i £125
Cancelling before travel cover limit i £1,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,000
Max trip duration i 17 days
Emergency medical cover and repatriation cover limit i £2,000,000
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £1,000
Lost or stolen cash i £250
Combined passport & travel cover limit i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Post Office Money

Lite (Comparison Site)

1 stars
Medical excess i £125
Cancelling before travel cover limit i £1,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £2,000,000
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £1,000
Lost or stolen cash i £250
Combined passport & travel cover limit i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

4 stars
Medical excess i £100
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Emergency medical cover and repatriation cover limit i £5,000,000
Cutting trip short cover limit i £3,000
Missed departure cover limit i £750
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £250
Combined passport & travel cover limit i £200
4 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £1,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £350
Combined passport & travel cover limit i £400

Post Office Money

Prime (Comparison Site)

4 stars
Medical excess i £100
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Emergency medical cover and repatriation cover limit i £5,000,000
Cutting trip short cover limit i £3,000
Missed departure cover limit i £750
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £250
Combined passport & travel cover limit i £200

Post Office Money

Elite (Comparison Site)

4 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £1,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £350
Combined passport & travel cover limit i £400

Post Office Money

Lite (Comparison Site)

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

Travel insurance add-on: cruise cover

Post Office Money

Superior (Comparison Site)

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

Post Office Money

Classic (Comparison Site)

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

Post Office Money

Superior Plus (Comparison Site)

1 stars
Missed port departure cover limit i £500
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £500
Missed port departure excess i £0
Timetable/itinerary change cover limit i £750
Unused excursions cover limit i £300
1 stars
Missed port departure cover limit i £1,000
Re-joining a cruise cover limit i £1,000
Cabin confinement cover limit i £0
Missed port departure excess i £125
Timetable/itinerary change cover limit i £0
Unused excursions cover limit i £0
1 stars
Missed port departure cover limit i £1,000
Re-joining a cruise cover limit i £1,000
Cabin confinement cover limit i £0
Missed port departure excess i £100
Timetable/itinerary change cover limit i £0
Unused excursions cover limit i £0

Travel insurance add-on: winter sports

3 stars
Ski equipment owned cover limit i £1,000
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own 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 cover limit i £350
Piste closure cover limit i £300
Unused ski pass due to illness or injury i £400
2 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Ski equipment owned excess i £100
Ski equipment hired i £500
Single item limit for hired equipment i £250
Avalanche closure cover limit i £250
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £300
1 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Ski equipment owned excess i £125
Ski equipment hired i £500
Single item limit for hired equipment i £250
Avalanche closure cover limit i £150
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £300

Post Office Money

Classic (Comparison Site)

1 stars
Ski equipment owned cover limit i £400
Single owned item cover limit i £150
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £100
Ski equipment owned excess i £200
Ski equipment hired i £400
Single item limit for hired equipment i £250
Avalanche closure cover limit i £200
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £250

Post Office Money

Superior (Comparison Site)

1 stars
Ski equipment owned cover limit i £400
Single owned item cover limit i £150
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £100
Ski equipment owned excess i £100
Ski equipment hired i £400
Single item limit for hired equipment i £250
Avalanche closure cover limit i £200
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £250

Post Office Money

Superior Plus (Comparison Site)

1 stars
Ski equipment owned cover limit i £400
Single owned item cover limit i £150
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £100
Ski equipment owned excess i £0
Ski equipment hired i £400
Single item limit for hired equipment i £250
Avalanche closure cover limit i £200
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £250