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  • No admin fees
  • UK based call centre
  • Up to £600 cover for garden contents included with Home Contents cover
  • Buildings Insurance covers fences, walls, gates and paths
  • Award Winning Service^
Donations to Age UK's charitable work from Age Co sales are expected to reach £3 million each year

Garden insurance

For many of us the garden is as important as any room in our home. Whether you’re a proud gardener or just enjoy having some outside space to relax in, it’s important to ensure that what you love is covered under your home insurance.

While specialist garden insurance is available from some providers, Age Co Home Insurance may be all you need. Age Co Buildings Insurance will cover outbuildings, walls and patios against accidental damage up to the combined value of £1,500. Age Co Contents Insurance will cover flower beds, plants, lawns and shrubs against accidental damage up to the value of £1,500, plus an additional £600 for the theft of trees, shrubs and gardening equipment.

Garden Structures

Age Co Buildings Insurance covers more of your garden than you might think. Your garden walls, gates, paths and patios are all covered as standard, as well as carports, permanent swimming pools and hot tubs, tennis courts and outbuildings.

These structures are covered against a variety of risks including:

•  Fire, lightning or explosion
•  Malicious damage
•  Damage from falling objects such as aerials, branches, or telegraph poles 
•  Accidental Damage Cover (optional add-on for an extra cost)

Flower beds, plants, hedges and trees

Plants and flowers define how a garden looks and feels, and it can be devastating when they are damaged. If you’re a keen gardener who likes to grow from scratch, you may also be shocked to learn how expensive some fully grown plants can be to replace.

Age Co Contents Insurance will pay for damage to your hedges, lawns and plants caused by:

•  Fire, lightning or earthquakes
•  Malicious damage
•  Falling television aerials, satellite dishes, branches, or building masonry 

Theft of Garden Items

It’s easy to forget about items that are kept outside when calculating the value of your home contents. But omitting these possessions from your insurance policy can be a costly mistake. After all, the value of garden furniture, gardening equipment and lawnmowers can quickly add up.

As well as covering your garden hedges, lawns and plants up to the sum of £1,500, Age Co Contents Insurance covers other items in your garden, such as gardening equipment and furniture, up to the sum of £600.

Damage caused by the Emergency Services

Age Co Buildings Insurance will pay for damage caused to your garden if the emergency services need to attend an emergency at your home. This even includes re-landscaping costs, if necessary.

So, whether you are after shed contents insurance, lawn mower theft insurance, cover for your plants or financial protection for your outdoor furniture, Age Co can help.  

Designed to meet the needs of over 50s, Age Co Buildings and Contents Insurance is rated an impressive 5 Stars by Defaqto and has no hidden admin fees plus purchasing Age Co Home Insurance helps to support Age UK's charitable work. 

Find out more about Age Co Home Insurance.

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.

If your policy reference starts with 'UK' it is underwritten by Ageas. If your policy reference starts with 'AU' it is underwritten by Prestige. If you're unsure or if this doesn't apply, please get in touch.

Product Literature

Home Insurance Policy Document
(viewable in pdf, file size 3 MB) 

(viewable in pdf, file size 185 KB)
Personal Legal Protection Policy Document
(viewable in pdf, file size 1 MB) 


How to make a claim

24-hour claims helplines:

  • If your policy is underwritten by Ageas Insurance Limited, call 0345 602 5273.
  • If your policy is underwritten by Prestige Underwriting Services Limited, call 0800 028 5273.

If you are unsure who underwrites your policy, you can find this information on your policy schedule, or you can call the Age Co Home Insurance policy administration helpline on 0345 128 7916. Lines open Mon-Fri: 8am to 8pm, Sat: 9am to 1pm.

If you are aware of an incident that might lead to a claim or you need to make a claim, you must do the following as soon as possible:

What you must do for all claims:

  • Tell the police as soon as reasonably possible if something is lost or if you suspect theft or malicious damage.
  • Take all practical steps to get back any property which has been lost.
  • If you have been asked to fill in a claim form, send it back with everything that has been asked for, within 30 days of it being sent to you.
  • Immediately send to your insurer any written claim which is made against you, and provide them with full details of any verbal claims made against you.
  • Take reasonable action to protect the property from further loss or damage.

You must not:

  • Throw away, get rid of or destroy any items that are damaged until you are told to do so.
  • Admit or deny responsibility for any incident; or negotiate or settle any claims made against you by anyone else, unless it has been agreed in writing that you can.

Any claims against you can be negotiated, defended or settled in your name and on your behalf. Legal action can also be taken in your name but for the benefit of the insurer to get back any payment made under the policy.

Words written in bold/italicised have special meanings.
These meanings are explained in the policy definitions section of the policy booklet on pages 7-9.

Age Co Home Insurance is administered by Ageas Retail Limited^^

Customer reviews

Get in touch

^The UK based service team have been awarded the Feefo Platinum Trusted Service Award 2021.
* If you call the 0800 number, you will be dealing with Ageas Retail Limited.
^^Details are available on request.

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).

Age Co Home Emergency Cover is provided by AXA Assistance (UK) Ltd.

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.


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