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Car Insurance

Car Insurance designed with the over 50s in mind
              

Age Co Car Insurance is administered by Ageas Retail Limited, and underwritten by Ageas Insurance Limited.

  • Protecting your No Claims Discount is included as standard*
  • No upper age limit, unlike other providers
  • No hidden admin fees
  • Guaranteed courtesy car for comprehensive cover customers^
  • Award winning service**
  • 'Get you home service' after an accident - up to £250
Donations to Age UK's charitable work from Age Co sales are expected to reach £3 million each year

Benefits

Age Co Car Insurance is designed with the over 50s in mind, you can purchase either, comprehensive, third-party fire and theft, or third-party only cover. Plus, with a whole range of added benefits and optional extras available, you can choose cover that’s right for you, from an award-winning service provider.

  • Our 'Message Relay Service' gives you the option for a friend or relative to be contacted if you have an accident.
  • Permanently fitted audio equipment is protected under comprehensive and third-party fire and theft policies only
  • Our ‘Get You Home Service’ will ensure you arrive home or to your planned destination if your car is not roadworthy after an accident (comprehensive cover only) - up to £250
  • Unlimited windscreen cover (comprehensive cover only)
  • Optional key protection cover
  • Optional excess protection cover
  • Optional motor legal protection cover; provided by Arc Legal Assistance Limited
  • Motor breakdown cover is also available; provided by Call Assist Ltd
  • European cover for up to 180 days a year, so that you can make the most of exploring the Continent during your retirement years
  • 5 Star Defaqto rated - the highest rating possible
  • Accredited the Feefo Platinum Trusted Merchant 2020

Plus, you can also start saving straight away! If you move to Age Co Car Insurance and cancel your current insurance, you'll be refunded any cancellation fees that your current insurer charges - up to £55. Simply download and return the cancellation charge refund form. Please check that Age Co Car Insurance will cover your car and what you will be charged by your current insurer before cancelling your existing policy.

Compare insurers

Compare Age Co Car Insurance with other insurers
Product Features Age Co
Car Insurance

AA Car Insurance
(non members)

Admiral
Car Insurance

RIAS 
Car Insurance

Adjustment Fee 
There is no adjustment fee
 




Cancellation Fee
There is no cancellation fee





Misfuelling
Misfuelling cover is provided as standard


 



Foreign Use Max Free Days
Free Foreign Use available 93 days or more

 


 


 


 


Information sourced on 17 August 2020 for new online policies from Defaqto Matrix.

Summary of cover

In addition to this summary of cover, please refer to the policy booklet for terms, conditions, limitations and exclusions. Age Co Car Insurance also offers Third-Party Fire & Theft  and Third-Party only cover - terms, conditions, limitations and exclusions for these cover types can be found in the policy booklet

Cover

Comprehensive

Significant limitations

Liabilities to third parties Yes £20,000,000 limit for third party property damage.
Use of your car in European Union Yes Maximum 180 days in any one period of insurance.
Driving a car that does not belong to you Yes. In some circumstances. Cover only applies for the policyholder and if shown on the certificate of motor insurance. Cover is Third Party only.
Accidental or malicious damage to your own car Yes Market value. Subject to excesses. Additional excesses for young or inexperienced drivers. 
Damage to own car by fire or theft Yes Market value. Subject to excesses.
Audio, navigation, entertainment and telephone equipment Yes Cover only applies to equipment permanently fitted to the car.
Personal belongings Yes Up to £300.
Damaged windows or windscreen Yes £50 replacement excess. Cover is limited to £250 after the deduction of the excess if the approved glassline is not used. If your windscreen can be repaired, your excess will be waived.
Personal accident and road rage Yes Policyholder, spouse and civil partner: death £5,000; loss of sight or limb £5,000.
Medical expenses Yes Up to £500 each person.

Replacement locks

Yes

£100 excess. Up to £500.

Trailer cover Yes Up to £350 if single axle and attached.
Medical emergencies Yes Within 24 hours of emergency occuring.

Significant exclusions

Cover

Significant exclusions and limitations

Loss of or damage to car and personal belongings
  • All loss or damage arising from malicious damage, vandalism, fire, theft or attempted theft when no-one is in the car unless all its doors and windows are closed and locked
  • All loss or damage arising from malicious damage, vandalism, fire, theft or attempted theft when no-one is in the car unless all keys or devices used to lock the car are removed from it
Loss of or damage to the car
  • Extra costs due to parts or replacements not being available in the UK
  • Caused by a person known to you taking the car without your permission
  • Caused by deception
Driving a car that does not belong to you
  • Use outside the UK
  • A car registered outside the UK
  • If your car is disposed of or damaged beyond economical repair
Audio, navigation, entertainment and telephone equipment
  • All loss or damage when no-one is in the car unless all its doors and windows are closed and locked
  • All loss or damage when no-one is in the car unless all keys or devices used to lock the car are removed from it
Personal belongings
  • Money, business goods and telephones
Damaged windscreen and window glass
  • Sun roof and hood mechanisms
  • Windows and windscreens unless made of glass
Personal accident
  • Suicide
  • Failure to wear seat belts
  • If driving with excess drink/drugs
Trailer cover
  • Caravans, trailer tents, horseboxes, vehicle transporters, tipping trailers and food bars
  • No cover if unattached
Medical Emergencies
  • Drivers under 25 and inexperienced drivers

 

Download the car insurance policy booklet (PDF 848 KB)

Age Co Car Insurance is administered by Ageas Retail Limited, and underwritten by Ageas Insurance Limited.

Customer reviews

Frequently asked questions

What are the benefits of over 50s car insurance?

Many factors are taken into consideration when calculating an insurance quote, age being one of them. With more experience on the road and a tendency to be cautious, older drivers are welcomed with Age Co Car Insurance. Unlike other providers, Age Co Car Insurance has no upper age limits and no admin fees for changes or cancellations to policies. Age Co’s Comprehensive Cover also offers great additional benefits like 180 days of European cover, a maximum payment of £250 to get you and your passengers home if your vehicle is no longer road worthy, and unlimited windscreen cover with our chosen glass companies. 

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Will I get a courtesy car during repairs?

With comprehensive cover, you will be entitled to a courtesy car in the event of an accident, or once the vehicle has been recovered following a theft, whilst repairs are being carried out by an approved repairer. A courtesy car will also be provided for up to 14 days should your car be stolen or written off. 

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Can I protect my 'No-Claims Discount'?

You will automatically be given Protected No Claims Discount if you have at least four years No Claims Discount and have not made more than 1 fault claim in the past 3 years. No Claims Discount Protection allows you to have up to two claims in three years without affecting your No Claims Discount. It does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault. Other factors can also increase the price of your policy.

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Are the repairs guaranteed?

All repairs are guaranteed for up to three years, provided that they are carried out by an approved repairer.

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