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  • Protecting your No Claims Discount is included as standard***
  • No upper age limit, unlike other providers
  • No hidden fees
  • Guaranteed courtesy car for comprehensive cover customers^
  • 'Get you home service' after an accident - up to £250
  • Award-winning service†
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, 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!

  • 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 Gold Trusted Merchant

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.

Compare insurers

Compare Age Co Car Insurance with other insurers
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 08 October 2019 for new online policies from Defaqto Matrix.

§ In the event of a change of circumstances, premium charges may apply.

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)

 

Policy options and extras

Choose from a range of optional extras to tailor the cover to suit you.

Motor Legal Protection

  • Provides up to £100,000 of legal costs that can be used in the event of an accident that is not your fault and where a third party can be identified to claim for uninsured losses and personal injuries
  • For any claim to be pursued there must be more than a 50% chance of success
  • Any costs incurred before the insurer appoints a solicitor will not be covered.
Key Protection
  • Within the core motor insurance policy replacement keys and locks following loss or theft of car keys are covered up to £500 and an excess of £100 would be payable. This Key Protection cover also includes other keys, such as home and office. No limit on the number of claims subject to a maximum of £1,500 in the policy year including VAT
  • Lost or stolen keys must be reported to the police and a crime reference number obtained
  • Some claims will require you to pay for the replacement of keys/locks and then seek reimbursement.
Excess Protection
  • Excess Protection will reimburse you the excess you pay following a vehicle theft, fire or fault claim
  • Claims for glass are excluded
  • Excess can only be reimbursed if it's not recoverable from a third party
  • You can make up to 2 claims per policy year subject to a limit of £500 per claim.

What you need to buy

To get a no-obligation Car Insurance quote designed for the over 50s, please have these details to hand:

Vehicle Details:

  • Registration number
  • Make/Model type
  • Annual mileage - an estimate

Driver/s Details (Main and Additional):

  • Name and Address (including postcode)
  • Date of birth
  • Occupation
  • Type of licence and number of years held
  • Any driving conviction details for the last 5 years for all drivers
  • Any past motor claims by all drivers in the last 5 years
  • No Claims Discount - number of years
  • Policy start date

Here are some useful tips when looking to buy car insurance

  • Third-party insurance is not always cheaper than comprehensive and it may cost you more in the long run. If you are involved in a crash with an uninsured driver and if you are unable to prove the other party is liable for the crash you would end up paying the repair bill for your vehicle.
  • Always contact the DVLA and your motor insurance company if you develop any medical conditions that could impair your ability to drive. Otherwise you may find yourself not insured and facing a fine. To find out more, please visit www.gov.uk/health-conditions-and-driving

Product Literature

Car Insurance Policy Document

Motor Legal Protection Policy Document

Key Protection Policy Document

Excess Protection Policy Document

Brexit Information for Policy Holders

How to make a claim

24-hour claims helpline

0345 6016687 or +44 2380 621980 if calling from abroad

Our claims helpline is open 24 hours a day, 365 days a year.

Our claims helpline is a service to report incidents to our operators who can immediately confirm whether your policy covers you for the incident. Remember to save this number in your mobile phone so that you will have it available if you have an accident. We may record or monitor calls for training purposes, to improve the quality of our service and to prevent and detect fraud.

If the car is involved in an incident or you need to make a claim, please phone us as soon as possible. To help us deal with your call efficiently, please have your certificate of motor insurance and details of the incident with you when you call. If you are at the scene of the accident when you call our claims helpline and do not have your certificate of motor insurance with you, please give us the car registration number.

  • We will validate your claim and discuss with you how your claim will be progressed.
  • We will answer all correspondence within five working days of receiving it.

Repair service for an incident within the geographical limits

Message relay

We can pass messages to friends, family or colleagues.

Repairs

If damage to the car is covered and it can be repaired, we will arrange for one of our approved repairers to contact you and arrange to collect the car. Repairs made by our approved repairers are guaranteed for three years.

Authorisation

If an approved repairer is used, you do not need to get any estimates, and repairs can begin immediately after we have authorised them.

Delivery

When the work is done, our repairer will contact you to arrange a convenient time to deliver the car back to you.

Paying for repairs

We will pay the repair bill. All you need to do is pay any policy excess direct to our repairer when they deliver the car back to you.

If the car cannot be repaired

If the car cannot be economically repaired, we will offer you a settlement amount within one week of the date we receive the engineer’s report. Once this amount is agreed, we will send you the payment within one working day of receiving satisfactory vehicle documents.

If the car is a total loss (a write-off), you must send in all the original documents that we ask for (for example, the vehicle registration document (V5C) and the current MOT certificate). We will arrange for an appointed salvage agent to collect the vehicle to dispose of it. Please remove all your personal belongings from the car before it is collected. 

If you have comprehensive cover you have these following extra services:

Get-you-home service within the geographical limits

If the car is not roadworthy following an incident covered by your policy, we can assist in getting you and your passengers from the scene of the incident to your home or to your planned destination, subject to a maximum payment of £250. If you cannot complete your journey, we will pay for overnight accommodation up to £75 per person for you and your passengers.

Guaranteed courtesy car

To keep you mobile, while using an approved repairer within the geographical limits, you will be offered a small courtesy car while yours is being repaired.

The repairer may, with your agreement, provide an alternative solution more suitable to your
requirements. Once we have decided that your car can be economically repaired by one of our approved repairers and if it cannot be driven, we will provide the courtesy car on the next working day for as long as the repairs take.

If your car can still be legally driven (in other words, it is roadworthy), we will deliver the courtesy car when your car is collected for repairs. If it is deemed that your car is uneconomical to repair, or if it is stolen and not recovered, we will provide you with a small courtesy car with an engine size no greater than 1200cc for up to 14 days.

While you have the courtesy car you will be liable to pay fines for any parking or driving offences or congestion charges, and any additional costs for non-payment of these charges.

You may be asked to produce an appropriate credit or debit card to the approved repairer to cover these costs.

6 Words written in bold have special meanings.
These meanings are explained in the policy definitions section of this policy booklet on page 8.

Customer reviews

Frequently Asked Questions

How do I make a claim?

Simply call the claims helpline (telephone number shown on your policy schedule), which is open 24 hours a day, 365 days a year. An operator will immediately confirm whether your policy covers you for the incident. Please have your policy details available.

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What are the impacts of a 'no-deal' Brexit for Age Co customers?

A 'no-deal' Brexit will have some impacts on Age Co Car and Travel Insurance customers. Read our article to understand more.

Brexit - important information for policy holders PDF

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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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Who is eligible for Age Co Car Insurance and can young drivers be included on the policy?

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.

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What if I have pre-existing medical conditions?

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.

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What is 'No-Claims Discount'?

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.

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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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Will I have to pay any additional charges or fees once I have paid the premium?

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.

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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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What is CIE?

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.

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Is Motor Breakdown cover available?

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. 

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What if my vehicle is ‘off road’ during winter or SORN?

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. 

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Is Motor Legal Protection cover available?

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.

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How do I renew my policy?

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.

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What should I do if I have an accident?

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.

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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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What if i change my mind and want to cancel my car insurance policy?

 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.

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What about third party insurance?

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. 

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How can I pay?

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.

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Get in touch

;

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.

Age Co are unable to offer insurance to residents of the Channel Islands.

* 10% of all customers who took out a Comprehensive policy between April and September 2019 paid £185.41 or less (includes insurance premium tax at the applicable rate).

** 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.

^^ 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

M8408V8OCT19

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