Over 50s Car Insurance
5 Star Car Insurance from £185.41*
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.†
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|
|AA Car Insurance|
|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.
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
|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.|
£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 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||
|Damaged windscreen and window glass||
Choose from a range of optional extras to tailor the cover to suit you.
Motor Legal 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
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 can pass messages to friends, family or colleagues.
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.
If an approved repairer is used, you do not need to get any estimates, and repairs can begin immediately after we have authorised them.
When the work is done, our repairer will contact you to arrange a convenient time to deliver the car back to you.
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 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:
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.
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.
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.
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.
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