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.†
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.
Information sourced on 17 August 2020 for new online policies from Defaqto Matrix.
| Product Features | Age Co Car Insurance |
AA Car Insurance | Admiral Car Insurance |
RIAS |
|---|---|---|---|---|
| Adjustment Fee There is no adjustment fee |
✔ |
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| Cancellation Fee There is no cancellation fee |
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Misfuelling |
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✔ |
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Foreign Use Max Free Days |
✔ |
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Information sourced on 17 August 2020 for new online policies from Defaqto Matrix.
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 |
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| Loss of or damage to the car |
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| Driving a car that does not belong to you |
|
| Audio, navigation, entertainment and telephone equipment |
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| Personal belongings |
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| Damaged windscreen and window glass |
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| Personal accident |
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| Trailer cover |
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| Medical Emergencies |
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Car Insurance Policy Document
(viewable in pdf, file size 280 KB)
Comprehensive Cover Product Information Document
(viewable in pdf, file size 407 KB)
Third Party, Fire & Theft Cover Product Information Document
(viewable in pdf, file size 407 KB)
Third Party (Only) Cover Product Information Document
(viewable in pdf, file size 405 KB)
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.
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.
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 one 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.
All repairs are guaranteed for up to three years, provided that they are carried out by an approved repairer.
