Post Office Van Insurance

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Tip: Think about the type of goods you will be taking. Some items may need special insurance.

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What is Post Office Van Insurance and who provides it?

Post Office van insurance is a broker-arranged van insurance policy, not underwritten directly by Post Office Limited.

Post Office® Van Insurance is arranged and administered by BISL Limited, which places policies with a panel of insurers. BISL Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 308896).

Post Office Limited is an appointed representative of Post Office Management Services Limited, which is also authorised and regulated by the Financial Conduct Authority (FRN 630318). These details can be checked on the Financial Conduct Authority website.

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What types of vans are covered by Post Office van insurance?

Post Office van insurance covers most vehicles designed to carry goods, tools or supplies, up to a gross vehicle weight of 3.5 tonnes (3,500kg).

It does not cover:

  • Vehicles designed to carry passengers (such as buses or minibuses)
  • Vehicles used as plant or machinery

Eligibility depends on the individual circumstances of the vehicle and driver.

What types of vans are covered by Post Office van insurance

What levels of cover does Post Office van insurance offer?

Post Office van insurance provides a choice of cover levels, allowing customers to select a level of cover that suits their needs.

Cover level What it includes
Comprehensive cover Covers damage to your van and third parties
Third party, fire and theft Covers third parties plus fire and theft of your van
Third party only Covers injury or damage caused to others

The van insurance policy wording and cover limits depend on the insurer providing the policy.

What is included with comprehensive cover?

When choosing comprehensive cover, Post Office van insurance includes the following confirmed benefits:

Feature Included
Third party injury Unlimited
Third party property damage Up to £2 million
Fire and theft Yes
Accessories Yes
Weather and malicious damage Yes
Glass cover Included (replacement excess applies)
Driving abroad Up to 30 days in Europe at the same level as UK cover
Van repairs 3-year guarantee on repairs by approved repairers

This structure is designed to provide peace of mind for drivers who rely on their van.

See available van cover options

What optional extras are available with Post Office van insurance?

Post Office offers a clear range of optional extras, each administered by named providers.

Optional extra Key details
Breakdown cover Provided by RAC. Includes roadside assistance, recovery, onward travel and a 24/7 helpline
Tools and van contents Administered by AXA. Cover from £1,000 to £7,500
Motor legal protection Underwritten by RAC Insurance. Covers uninsured losses and up to £100,000 in legal expenses
Keycare cover Administered by Ageas. Up to £1,000 per year plus £40 per day hire (up to 3 days)

Limits and exclusions apply. Full details are in the policy documents.

How does a claims discount work with Post Office van insurance?

Post Office van insurance offers a mirrored claims discount, which may help reduce the cost of your premium in certain situations.

A mirrored claims discount means the insurer may recognise a no claims discount (NCD) that you are currently using on another vehicle, such as a car or a different van. Instead of losing the benefit of that discount when insuring your van, the insurer may apply a similar discount to your van insurance policy.

Whether a claims discount is applied depends on several factors, including:

  • The insurer underwriting your policy
  • The type of vehicle you are insuring
  • Your driving history and recent claims record
  • How the no claims discount is currently being used on another vehicle

A mirrored claims discount is not guaranteed and does not transfer ownership of the original no claims discount. It is assessed at quote stage and may change at renewal.

You should always check your policy documents and quotation details to confirm:

  • Whether a claims discount has been applied
  • How it affects your premium
  • Any conditions linked to future claim

How are claims handled?

Post Office van insurance provides access to a UK-based contact centre and a 24/7 claims helpline.

Claims are handled by the insurer underwriting your insurance policy, not the Post Office itself. Where repairs are required, these are carried out by approved repairers, in line with your policy terms.

How are claims handled for post office van insurance

Claim process – step by step

  1. Contact the claims helpline as soon as possible to report the incident.
  2. Provide the required details, including what happened and who was involved.
  3. The insurer reviews the claim and explains what will happen next.
  4. Repairs or settlement are arranged in line with your policy, using approved repairers where applicable.

How do I manage my Post Office van insurance policy?

Customers can manage their van insurance policy through a dedicated page on the Post Office website.

You can:

  • View and download policy documents
  • Access your certificate of insurance
  • Manage your document policy pack
  • Renew or make changes to your policy

How do payments work for Post Office van insurance?

Post Office offers flexible payment options to suit different financial situations.

Payment options available

  • Annual lump sum arrangement
  • Monthly instalments via direct debits

Monthly instalments are usually paid under a credit agreement and may increase the total cost compared to paying annually.

Can I get help if I’m struggling to make payments?

Yes. Post Office confirms support for customers facing financial hardship.

Options may include:

  • Payment holidays
  • Partial payments
  • Changes to payment dates

Support is assessed case-by-case based on your financial situation.

What happens at renewal?

Before your renewal date, you will receive a renewal notice explaining your next steps. You can review cover, payment options, and make changes before renewal.

Opening hours and customer service support

The customer service team can be contacted by phone and online.

Contact centre opening hours:

  • Monday to Friday: 8am – 8pm
  • Saturday: 9am – 5pm
  • Sunday and bank holidays: 10am – 4pm

Calls are charged at standard UK rates.

Opening hours and customer service support

Important policy and regulatory information

Post Office van insurance is part of a range of policies offered under regulated UK financial services.

Key entities involved:

  • Post Office Limited
  • Post Office Management Services Limited
  • BISL Limited

All firms are authorised and regulated by the Financial Conduct Authority. Firm Reference Numbers can be verified on the FCA register.

Key things to check before buying

Before taking out Post Office van insurance, review:

  • Your chosen level of cover
  • Any optional extras
  • Cover limits and exclusions
  • Payment method and regular policy payments
  • Whether you need cover for short-term use or EU travel (free circulation area / green card requirements)

This helps reduce the risk of your car or van being underinsured.

Frequently Asked Questions about Post Office Van Insurance

No. Post Office van insurance is arranged and administered by BISL Limited and placed with a panel of insurers. Post Office Limited acts as an appointed representative and does not underwrite the policy.

BISL Limited, Post Office Limited, and Post Office Management Services Limited are authorised and regulated by the Financial Conduct Authority. Firm Reference Numbers can be checked on the Financial Conduct Authority website.

Cover is available for vehicles designed to carry goods, tools, or supplies with a maximum gross weight of 3.5 tonnes (3,500kg). Passenger vehicles such as buses or minibuses are not covered.

Post Office van insurance offers three cover levels: third party, third party fire and theft, and comprehensive cover. The level of cover chosen determines what is included in the insurance policy.

Comprehensive cover includes unlimited third-party injury cover, up to £2 million for third-party property damage, fire and theft, accessories cover, glass cover, EU driving for up to 30 days, and a three-year guarantee on repairs by approved repairers.

Yes. Optional extras include RAC breakdown cover, tools and van contents cover from £1,000 to £7,500, motor legal protection up to £100,000, and keycare cover. Limits and exclusions apply and are set out in the policy documents.

Post Office van insurance offers a mirrored no claims discount, which may allow a discount based on a no claims discount you are currently using on another vehicle, subject to insurer approval.

Claims are supported through a UK-based contact centre and a 24-hour claims helpline. Repairs are carried out by approved repairers where applicable and subject to policy terms.

Yes. You can pay either as an annual lump sum or by monthly instalments using direct debit. Monthly payments are usually set up under a credit agreement and may cost more overall.

Support is available for customers experiencing financial hardship. Depending on your financial situation, this may include payment holidays, partial payments, or changes to payment dates.

You can request a van insurance quote online through the Post Office website or by contacting the contact centre. Quotes are arranged by BISL Limited based on your details and individual circumstances.

Get a Post Office van insurance quote

Yes. You can compare Post Office van insurance with other providers by reviewing cover levels, optional extras, and policy features. As the policy is arranged through a panel of insurers, terms and pricing may differ.

You may need to provide personal details, vehicle information, driving history, and payment details. After purchase, you will receive policy documentation, including your certificate of insurance.

Yes. Post Office van insurance can be suitable for small businesses that use vans to carry goods, tools, or supplies, provided the vehicle meets eligibility and weight requirements.

Yes. Comprehensive cover includes EU driving for trips of up to 30 days during the policy period, at the same level of cover as in the UK.

No. Tools and van contents cover is an optional extra and must be added separately. Cover levels range from £1,000 to £7,500, subject to policy terms.

Policy documents are usually made available after purchase through the Post Office online service. This includes your policy documentation and certificate of insurance, which should be checked carefully.

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Page last updated on: 02/02/2026

Page reviewed by: Tim Bailey

4000+ reviews