Car insurance
UK-based car insurance claims line open 24/7
3-year guarantee on repairs carried out by our approved engineers
Optional extras can be added at an extra cost to create a tailored car insurance package
Our car insurance policies
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Under 50s car insurance
- Overseas cover on European trips for up to 60 days. With the same level of cover you have in the UK
- Flexible policy gives you the option to add cover for legal costs and extras. Additional charges apply
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Over 50s car insurance
- Enjoy peace of mind with our 5 Star Defaqto rated cover
- Emergency cover included. We’ll pay up to £100 per person and a maximum of £400 per incident. This can cover alternative transport or overnight accommodation
Car insurance in the EU
If you’re driving in the EU, you’ll need to provide proof of your car insurance. There are two potential scenarios to be aware of. Find out more in the common questions section.
Car insurance optional extras
Create the cover package that suits you. You can add extra car insurance options for an additional charge. Limits and exclusions may apply. Check the policy documents for details.
5 Star protection
Buying insurance based on price alone might suit your budget. But it may not provide the features, benefits, cover and customer service you need.
A Defaqto Star Rating reflects the level of features and benefits offered. This could help you make a more informed decision about which policy to choose.
Defaqto rates our over 50s car insurance 5 Stars.
Some common car insurance questions
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What you need to drive abroad will depend to some extent on where you’re going.
Green cards
You may need a green card to drive your vehicle and tow a caravan or trailer in: Albania, Azerbaijan, Belarus, Iran, Israel, Moldova, Morocco, Russia, Tunisia, Turkey, or Ukraine.
You won’t need a green card to do so in: Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, or Switzerland.
If you’re visiting a green card country
Insurance to drive in countries where you’ll need a green card must be agreed by your insurer before you go. You may need to pay an extra premium under the terms of your policy.
Please contact us 21 days before you travel. If your insurer agrees to the cover and you’ve paid any additional premiums required, we’ll arrange for a green card to be sent to you.
Driving in the EU
To drive in the EU, you’ll need to:
- Take a copy of your certificate of insurance, driving licence and V5C logbook
- Display a UK sticker on your vehicle
- Get an international driving permit (in some EU/EEA countries)
If you intend to tow a trailer with your vehicle, you may also need to register your trailer before you travel. This depends on the type of trailer.
Policies bought or renewed after May 2021
The “Section 9: Driving Abroad’ part of your terms and conditions will still contain information about the previous EU ruling. This advised green cards were needed in all circumstances. We won’t be reissuing policy documents in the short term. But this section will be updated if you choose to renew your policy.
Further reading
If you’re planning to drive abroad these websites may help
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You can pay annually or in monthly instalments. You’ll need to enter into a credit agreement, subject to status, to pay in monthly instalments. You can pay by credit/debit card or direct debit, but your first payment must always be made with a credit or debit card.
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If you choose to pay in monthly instalments, you’ll be charged the APR % stated in your credit agreement. It means you’ll pay more than you’d pay through an annual lump sum arrangement.
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We don’t offer a no claims discount on named drivers.
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Go to our retrieve a quote page and follow the instructions to see your saved quote.
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You can download your document policy pack at the time of purchase and your certificate of insurance should arrive in the post within 7 working days. If you need further copies, you can access your documents online or contact us to receive a hard copy.
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We’ll remind you 28 days before your renewal date and give you instructions to follow to renew your policy. If you’d like to speak to us about renewing your policy, please call us on 0330 018 4082.
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It means your policy will renew automatically when it comes up for renewal each year. It’s a stress-free way of staying insured. We’ll send a reminder 28 days before your renewal date so you can checkthe details and make sure you’re still happy to go ahead.
If you change your mind, opting out of automatic renewals is easy. Go into your account or call the customer service team on 0345 073 1002 to make the change.
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Please call the claims helpline on 0345 073 1005.
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Please call us on 0345 073 1002, and we’ll give you more information at the time you make a claim.
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Please call us on 0345 073 1002. Charges and fees may be applicable when cancelling your policy before or after the 14-day cooling off period. Please see your policy documents for full details.
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If you’re transporting goods in the UK, you don’t need to inform us and you’ll still be covered.
If you’re transporting goods in the EU, our motor insurance policy will provide, at minimum, third-party liability coverage for the duration of the policy. But it’s important to check your policy documents carefully for cover limits and policy exclusions.
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Yes, we’re here to help. We know many things can impact people’s livelihoods and cause financial hardship. If you think you’ll be unable keep making your regular policy payments, please contact us as soon as possible on 0345 073 1002. Our opening hours are Monday-Saturday, 8am – 6pm.
We have specialists who can discuss your circumstances and agree on how we can help with your financial situation. We may be able to help in several ways. For instance, moving your payment dates. Agreeing partial payments or payment holidays in the short term. Orremoving any fees applied to your policy.
Please contact us before you miss a payment. But please don’t cancel payments or direct debits as this can leave you uninsured. We’ll help you find a solution before you’re in a situation where you can’t pay.
*Call charges
Calls to 03 numbers will cost no more than calling a standard UK number starting with 01 or 02 from your fixed line or mobile and may be included in your call package. Calls may be monitored or recorded for training and compliance purposes.
Related motoring services
About our car insurance
Post Office® Car Insurance is arranged and administered by BISL Limited. BISL Limited arranges policies from a panel of insurers, details are available on upon request from BISL Limited.
Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.
BISL Limited is authorised and regulated by the Financial Conduct Authority, FRN 308896. BISL Limited is registered in England. Registered number 3231094. Registered Office: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG.
These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).