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  • Protecting your No Claims Discount is included as standard**
  • No upper age limit
  • No admin fees
  • Guaranteed courtesy car with comprehensive cover^
  • Award-winning service†
  • 24-hour accident helpline
Age Co is 100% owned by Age UK and gives its profits to the charity enabling them to support those older people most at need

Common questions for over 70s Car Insurance

Driving after the age of 70 can open many doors for retirees and help pensioners to enjoy their independence for longer. 

Choosing the best car insurance for over 70s will become important as you reach this milestone, to ensure your individual needs are met. Age Co Car Insurance is specifically designed for mature drivers, with policies that can be enhanced with optional extras to give you the cover you need.

Can I get insured after 70?

Age Co Car Insurance welcomes experienced drivers of all ages, and we have set no upper age limit on Age Co Car Insurance policies.  As long as you are deemed safe to drive by the DVLA and medical practitioners you can get a quote today.

Will I get a cheaper car insurance policy for being over 70?

Not necessarily. While years of experience and a lengthy no-claims period could help get you a lower cost policy, you will still be subject to the same considerations you always have; including the type of car you drive and your postcode. 

Will my car insurance be affected by my health?

One of the key reasons that you must start renewing your driving licence every three years from the age of 70 is to ensure that your medical information is up-to-date and being assessed correctly. You must always report medical conditions that could affect your driving to the DVLA.

As well as this, you must also inform your car insurance provider of any changes to your medical health, or risk your policy becoming invalid. The price of your insurance and the options available to you might be impacted by certain conditions, but you could risk serious fines and/or prosecution if you fail to inform the right people. 

You should also make the most of free NHS eye tests for over 60 year olds, to ensure that your eyesight meets the legal requirements for driving. If you are prescribed glasses, you must wear them when driving. If you do not it could invalidate your insurance policy. 

Why choose Age Co Car Insurance for over 70s?

Age Co Car Insurance comes with Protected No Claims Discount as standard, a guaranteed Courtesy Car, no admin fees and a ‘Get you home service’ after an accident – up to £250. Features such as a 24-hour accident helpline and a UK-based call centre are included. Age Co Car Insurance has continued to receive the highest possible Star Rating from Defaqto, since 2014.


 

Benefits

Age Co Car Insurance for older drivers is designed specifically with the over 50s in mind.

Plus, with a whole range of added benefits and optional extras available, you can choose the 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 
  • Our ‘Get You Home Service’ will ensure you arrive home or to your planned destination if your car is not roadworthy after an accident - up to £250
  • Unlimited windscreen 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 Insurance. 

Get a car insurance quote online today. 

Summary of cover

In addition to this summary of cover, please refer to the policy booklet for terms, conditions, limitations and exclusions.

Cover

Comprehensive

Significant limitations

Liabilities to third parties Yes £20,000,000 limit for third party property damage.
Use of your car in the 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 £750.

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

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
  • Sunroof 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

 

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.
 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.

Customer reviews

What you need to buy

To get a no-obligation Comprehensive Car Insurance quote, 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

Policy documents

If you're an existing customer, please call the friendly UK-based team on 0345 603 0512 if you need postal copies of any of your documents. Calls to 03 numbers use free plan minutes if available, otherwise they cost the same as 01/02 prefix calls.

Policy Documents

Car Insurance

Car Insurance Policy Document
(viewable in pdf, file size 280 KB)

Comprehensive Cover Product Information Document
(viewable in pdf, file size 255 KB)

Car Insurance Locks & Keys Cover Information Document (for policies purchased after 1st March 2022)
(viewable in pdf, file size 88KB)

Third Party, Fire & Theft Cover Product Information Document (for existing customers only)
(viewable in pdf, file size 254 KB)

Third Party (Only) Cover Product Information Document (for existing customers only)
(viewable in pdf, file size 252 KB)

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Motor Breakdown

Motor Breakdown Policy Document
(viewable in pdf, file size 705 KB)

Motor Breakdown (UK) Cover Product Information Document
(viewable in pdf, file size 207 KB)

Motor Breakdown (UK & EU) Cover Product Information Document
(viewable in pdf, file size 206 KB)

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Legal Protection - Car Insurance Optional Extra

Legal Protection Policy Document
(viewable in pdf, file size 622 KB)

Legal Protection Cover Product Information Document
(viewable in pdf, file size 253 KB)

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Excess Protection - Car Insurance Optional Extra

Excess Protection Policy Document
(viewable in pdf, file size 624 KB)

Excess Protection Cover Product Information Document
(viewable in pdf, file size 358 KB)

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Key Protection - Car Insurance Optional Extra (no longer available to purchase from Nov 22nd 2021)

Key Protection Policy Document
(viewable in pdf, file size 613 KB)

Key Protection Cover Product Information Document
(viewable in pdf, file size 359 KB)

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Brexit Information for Policy Holders

Brexit Information for Policy Holders
(viewable in pdf, file size 1,268 KB)

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Get in touch

 


The UK based service team have been awarded the Feefo Platinum Trusted Service Award 2022.
**You must have at least 4 years No Claims Discount and 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. 
*If you call the 0800 number, you may be dealing with Ageas Retail Limited.
††There is no obligation to complete the renewal date section, you will just need to complete your contact details and provide us with an email address. See the Prize Draw Terms and Conditions.

Age Co Car, Breakdown and Home Insurance are arranged and administered by Ageas Retail Limited. AgeCo Limited is a trading subsidiary of Age UK (registered charity no. 1128267). Both AgeCo Limited (Financial Services Register no. 311438) and Ageas Retail Limited (Financial Services Register no. 312468) are authorised and regulated by the Financial Conduct Authority. AgeCo Limited registered office: One America Square, 17 Crosswall, London, EC3N 2LB (registered in England and Wales, no. 03156159). Ageas Retail Limited Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA (registered in England and Wales, no. 01324965).

AgeCo Limited is always committed to providing good customer service. If you buy a product from AgeCo Limited, you may be contacted by Feefo.com on our behalf to find out about your buying experience.

If you need to make a complaint, please refer your policy documents or find details on our Contact Us page.

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

CI607R2MAR22

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