Over 50s Car Insurance
5 Star Car Insurance from £185.64*
Or call FREE on: 0800 323 4437** 0800 323 4437**
Lines open Mon-Fri: 8am to 8pm, Sat: 9am to 1pm. Calls may be recorded.
5 Star Car Insurance from £185.64*
Or call FREE on: 0800 323 4437** 0800 323 4437**
Lines open Mon-Fri: 8am to 8pm, Sat: 9am to 1pm. Calls may be recorded.
Age Co Car Insurance is designed with the over 50s in mind, and includes comprehensive, third-party fire and theft, and 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.†
Watch the Age Co Car Insurance Advert!
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.
If you're an Age Co Car or Travel Insurance customer read our article on the impacts of a 'no-deal' Brexit.
| Product Features | Age Co Car Insurance | RIAS Car Insurance | Admiral Motor Insurance | AA Car Insurance (non members) |
|---|---|---|---|---|
| Aditional fees and coverage | ||||
| Adjustment Fee § | £0 | £25 | £19.50 | £25 |
| Cancellation fees after cooling off period | £0 | £50 | £49.50 | £30 |
| European cover at no extra cost | 180 days | 90 days | 90 days | 90 days |
Information sourced on 24 September 2018 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 |
|
| Loss of or damage to the car |
|
| Driving a car that does not belong to you |
|
| Audio, navigation, entertainment and telephone equipment |
|
| Personal belongings |
|
| Damaged windscreen and window glass |
|
| Personal accident |
|
| Trailer cover |
|
| Medical Emergencies |
|
Download the car insurance policy booklet (PDF 848 KB)
Choose from a range of optional extras to tailor the cover to suit you.
|
Motor Legal Protection |
|
| Key Protection |
|
| Excess Protection |
|
To get a no-obligation Car Insurance quote designed for the over 50s, please have these details to hand:
Here are some useful tips when looking to buy car insurance
Product Literature
Motor Legal Protection Policy Document
A 'no-deal' Brexit will have some impacts on Age Co Car and Travel Insurance customers. Read our article to understand more.
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.
Although this insurance is designed with the over 50s in mind, there are no age restrictions. Younger named drivers can be included on the policy, subject to acceptance by the insurer.
Having pre-existing medical conditions should not affect your Age Co Car Insurance quote, but UK law requires you to report certain conditions to the Driver and Vehicle Licensing Agency (DVLA) and, if they deem you to be unfit for driving, you will be refused cove.
Legally, you must be able to read a car number plate from 20 metres away to be able to drive, so if you find that your eyesight is no longer what it once was, you should schedule an eye test at the opticians (available for free on the NHS for those aged 60 or above, and free to all ages in Scotland). It is your responsibility to notify Age Co of any changes to your medical conditions to ensure you are still covered under an existing policy.
This is a discount on your car insurance premium. You can receive this if you have not made any claims against your policy, or if you have made a claim and your insurer has made a full recovery of costs from the Third Party. This discount grows with time based on the number of years you have been claims free.
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.
Some providers charge ‘hidden admin fees', which can include adjustment, cancellation fees and duplicate document fees.
With Age Co Car Insurance there are no hidden admin fees. There are also no fees for policy amendments, cancelling your policy or requesting duplicate copies of your policy documents. An additional premium will only be requested if you make any changes that increase your level of risk. An example of this would be adding an additional driver. Where the changes amount to less than £10, a request for additional payment will not be made, nor a refund issued.
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.
The Continuous Insurance Enforcement (CIE) legislation was introduced in England, Scotland and Wales to help ensure all motor vehicles are either insured or declared as ‘off road’ using a Statutory Off Road Notice (SORN). If you don’t use your car on the roads, for example, if you keep it in a garage during the winter months, then you will not need to insure your vehicle, but you must inform the Driver and Vehicle Licensing Agency (DVLA) and obtain a SORN. Otherwise you may receive a fine, a court prosecution, or your car may be clamped, seized and disposed of.
You can add Motor Breakdown cover for an additional cost or can buy this separately. This cover is provided by Call Assist Ltd. You'll be covered for roadside assistance, vehicle recovery, and you're even covered at home if your car won't start.
If you are not currently using your car, or if you keep it laid up in a garage during the winter months, you can inform the Driver and Vehicle Licensing Agency (DVLA) and obtain a Statutory Off Road Notice (SORN). Vehicles with a SORN are not required to be insured while they remain off the road. It is important to note, however, that you could lose your no-claims bonus if you do not maintain a car insurance policy in your name for more than two years.
You can take out Motor Legal Protection cover, which includes a 24/7 legal helpline, for an extra cost. This is designed to protect you against compensation for personal injury when you are not at fault or to defend a motoring prosecution brought against you. You can also obtain legal advice and assistance to pursue your claim for uninsured losses. This might include your policy excess, loss of earnings, car hire changes or additional travel expenses.
You will be written to in good time before your renewal date with the full details of your renewal. If you are paying by direct debit instalments your policy will automatically renew. Should you not wish to renew, you can cancel by phoning us on 0345 128 7915.
You should call the accident helpline on 0345 601 6687 or +44 2380 621983 if calling from abroad. It’s open 24 hours a day, 365 days a year.
All repairs are guaranteed for up to three years, provided that they are carried out by an approved repairer.
If you are not satisfied with your policy you can cancel at any time over the phone or in writing at no additional cost. You will only be charged for the time you have been on cover, unless a claim has been made. If a claim has been made you will need to pay the full annual premium.
Third party insurance is the absolute minimum level of cover you are required to have by law before driving a car. Should you have an accident and cause damage or injure another driver their costs will be covered, but you and your car will not be covered. Third-party insurance is not always cheaper than comprehensive and it may cost you more in the long run.
You can pay in full by credit or debit card, by cash (only accepted in Age UK offices), cheque or postal order.
Alternatively, you can pay monthly at a 17.7% APR Represenative.
0800 323 4437** 0800 323 4437**
Lines open Mon-Fri: 8am to 8pm, Sat: 9am to 1pm. Calls may be recorded.
Age Co Car Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.^^
Age Co Motor Breakdown Insurance is provided by Call Assist Ltd.
Age UK Enterprises are always committed to providing good customer service. If you buy a product from Age UK Enterprises, you may be contacted by our partners Feefo on our behalf to find out about your buying experience.
If you need to make a complaint , please refer to the policy documents.
* 10% of all customers who took out a Comprehensive policy between February and July 2019 paid £185.64 or less (includes insurance premium tax at the applicable rate).
# This promotion is open to UK residents age 18+ who purchase a new Age Co Home or Car Insurance policy between 03 June 2019 and 03 September 2019, which must be live for 14 days or more. Five magazines to choose from: BBC Top Gear, Woman & Home, BBC Good Food, BBC Gardener's World, Home & Antiques. Last claim date 07 November 2019. Promoter: Age UK, Tavis House, 1-6 Tavistock Square, London WC1H 9NA. Full terms & conditions at www.ageco.co.uk/insurance/magazine_tcs/
** If you call the 0800 number, you may be dealing with either an Age UK office or Ageas Retail Limited.
*** If you have at least 4 years of proven no claims and have made no more than 1 fault claim in the past 3 years.
^ In the event of an accident or when recovered damaged following a theft, and if repairs are carried out by an approved repairer. A courtesy car will also be provided for up to 14 days if your vehicle is stolen or written off.
† The UK based service team have been awarded the Feefo Gold Trusted Service Award 2019.
‡‡ No Claims Discount can be affected by cancelling cover mid-term. The cancellation fee refund of up to £55 will be made up to 60 days after the request is received together with a confirmation letter from your existing insurer. This letter should state that your policy has been cancelled, and the cancellation charge amount. The original documents should not be sent, only a copy. Your copy will not be returned. The refund will be paid to you by cheque. This offer only applies to new car insurance policies bought over the phone, online, or via an Age UK office before 31 December 2018. Refund forms must be received within 60 days of the Age Co Car Insurance policy start date. This offer may be withdrawn or amended at any time. In the event of the offer being withdrawn only policies purchased before the withdrawal date will be honoured. The refund will not be paid if the Age Co Car Insurance policy has been cancelled within 14 days of the policy start date. Only one administrative/cancellation fee claim can be made per policy. Payment can only be made to the policyholder identified on the policy documents. Your full premium may be taken if your policy is cancelled mid term. Pro rata refunds differ from company to company. Cancellation notice periods differ from insurer to insurer and can take up to seven days. Please check with your existing insurer before cancelling and setting up an Age Co policy. Terms and Conditions apply. The decision of Age UK Enterprises Limited in regards to this promotion is final.
^^ Details are available on request.
Age UK Enterprises Limited trades under the trading name Age Co Insurance Services. Age UK Enterprises Limited is a trading subsidiary company of Age UK (registered charity, no. 1128267) and donates its net profits to Age UK. Products offered by Age Co Insurance Services are arranged by Age UK Enterprises Limited and arranged and administered by Ageas Retail Limited, both of which are authorised and regulated by the Financial Conduct Authority. Ageas Retail Limited Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Registered in England and Wales 1324965. FS Register number: 312468. Age UK Enterprises Limited Registered office: Tavis House, 1-6 Tavistock Square, London, WC1H 9NA. Registered in England and Wales 3156159. FS Register number: 311438.
Call Assist Ltd is registered in England and Wales. Registered Company No: 3668383. Registered Office address: Axis Court, North Station Road, Colchester, Essex, CO1 1UX. Call Assist Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 304838
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