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Garden Insurance

Protect your garden from theft, damage and loss with Age Co Home Insurance.

  • No hidden 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 the 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.

Whilst 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, fences and patios against accidental damage to the combined value of £1500. Age Co Contents Insurance will cover flower beds, plants, lawn and shrubs against accidental damage up to the value of £1500, plus an additional £600 for 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, fences, paths and patios are all covered as standard, and even 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. In fact, the value of garden furniture, gardening equipment and lawnmowers can quickly add up.

Age Co Contents Insurance covers your garden hedges, lawns and plants up the sum of £1500. It also covers other items in your garden, such as gardening equipment or furniture, up to the sum of £600.

Damage caused by the Emergency Services

For added peace of mind, 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.

Designed with the needs of over 50s in mind, Age Co Buildings and Contents Insurance is rated 5 Stars by Defaqto and has no hidden admin fees. Buying Age Co Home Insurance also helps support Age UK's charitable work. Find out more about Age Co Home Insurance.

Useful documents

Product Literature

Home Insurance Policy Document
(viewable in pdf, file size 1 MB) 

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

If you're an existing customer, please call on 0345 603 0512 for copies of your existing documents.

Calls to 03 numbers use free plan minutes if available. Otherwise they cost the same as 01/02 prefix calls.


Cancellation Charge Refund Form 
(viewable in pdf, file size 414 KB)

Age Co Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers^^

Make a Claim

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:

Buildings, contents, static or touring carvans

  • Call our claims helpline on the number shown on your insurance schedule.

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 we have asked you to fill in a claim form, send it back to us with everything we have asked for, within 30 days of us sending it to you.
  • Immediately send us any written claim which is made against you, and give us 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 we say so.
  • Admit or deny responsibility for any incident; or negotiate or settle any claims made against you by anyone else, unless we agree in writing that you can.

We can negotiate, defend or settle, in your name and on your behalf, any claims made against youWe can also take legal action in your name but for
our benefit to get back any payment we have made under this policy.

Further conditions for static and touring caravans and caravan equipment:

  1. Get an estimate for repairs from a local caravan repairer if your caravan is damaged.
  2. Keep all invoices and receipts for work carried out.
  3. You will not leave property for us to deal with unless we agree.

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 and provided by a limited panel of insurers^^

Customer reviews

Get in touch

Age Co Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers^^. Age Co Home Emergency Cover is provided by AXA Assistance (UK) 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.

^ The UK based service team have been awarded the Feefo Gold Trusted Service Award 2019.

* If you call the 0800 number, you will be dealing with either an Age UK office or Ageas Retail Limited.

^^ 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.


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