You might have put a lot of money into your home over the years. You may also have collected many treasured and valuable possessions. This means it’s vital to have home insurance in place that you can rely on.
Fortunately, it’s easy to get high-quality home insurance when you are aged 60 or over. Age Co offers buildings insurance, contents insurance or both for the over 60s, which can be purchased separately or as a package.
You can choose whether to purchase buildings insurance, contents insurance or both as a combined package.
Buildings insurance offers financial protection in the event of damage to the structure of your home. Age Co buildings insurance for the over 60s automatically covers your property up to £500,000 rebuilding costs. It includes fixtures and fittings, garages, paths, drives and patios. It also covers damage to your garden walls and any outbuildings.
Contents insurance protects the belongings inside your home up to the value of £60,000, covering you for loss or damage to household goods, valuables and replacement external locks. It also covers alternative accommodation costs†† if your home can’t be lived in because of an insured event.
Buildings and contents insurance policies are designed to protect you against a range of risks, including storm damage, fires and floods. They also cover you against the escape of water or oil leaks, malicious damage, impact by vehicles, falling trees, subsidence and more.
There are a range of optional extras that you can add to your home insurance policy for an additional cost. These include accidental damage cover, personal legal protection and home emergency cover.
A number of things can affect the price you pay for your over 60s home insurance. For example, the size and age of your property will impact the cost of your premiums. Where you live will have a bearing too. If you live in an area with a high crime rate, this may push your insurance costs up. Similarly, if your home is in an area at a high risk of flooding, you could expect to pay more. Previous home insurance claims are likely to increase your premiums too.
If you’re thinking of relocating or downsizing for retirement, you might want to consider insurance costs when choosing a property. This could affect the type of home you go for, as well as the area you move to.
There are many reasons to choose Ago Co for your over 60s home insurance. For example, you’ll benefit from an award-winning service^ and a 24-hour legal helpline. Also, you won’t encounter any admin fees, and you’ll speak with someone at a UK-based call centre. Ago Co Home Insurance is 5 Star Defaqto rated, so you know you’re getting a high-quality product.
See what is and isn't covered by Age Co's combined buildings and contents Home Insurance.
In addition to this summary of cover, please refer to the Home Insurance Policy Document for terms, conditions, limitations, and exclusions and to the Buildings & Contents Cover Product Information Document for details specific to your quotation.
Buildings insurance |
Standard policy limits |
| Loss or damage to the building, as covered by your policy |
The maximum claim limit shown on your building insurance policy schedule |
| Trace and access source of leak for escape of water and escape of oil causes | Up to the maximum claim limit shown on your policy schedule |
| Property owners' liability | £2 million |
| Cover for rent or alternative accommodation costs†† if your home can't be lived in due to an insured event |
20% of the building's maximum claim limit shown on your policy schedule |
| Contents insurance | Standard policy limits |
| Loss or damage to your home contents, as covered by your policy | The maximum claim limit shown on your contents insurance policy schedule |
| Maximum claim limit for any valuable | £2,000. Cover for higher valued items may be available upon request |
| Valuables in the home | The maximum claim limit shown on your policy schedule |
| Money | £500 |
| Credit cards | £1,000 |
| Freezer food | £1,000 |
| Public and personal liability | £2 million |
| Unpaid damages | £2 million |
| Tenant's liability | 20% of the maximum claim limit for contents shown on your policy schedule |
| Loss or damage to contents during removal | Up to the maximum claim limit for contents shown on your policy schedule |
| 10% increase in the maximum claim limit for religious festivals, birthdays, family wedding, and civil partnership ceremonies | Maximum claim limit for contents increased by 10% |
| Counseling fees | £1,000 |
| Garden cover | £1,500 |
| Accidental breakage to audio/visual equipment, DVD equipment, fixed glass in furniture, mirrors, and desktop computers | Up to the maximum claim limit for contents shown on your policy schedule |
| Fraudulent use of credit cards | £1,000 |
| Carer's contents | £250 |
| Items covered while living in a nursing home, residential care home or staying with family or friends | Up to 20% of the maximum claim limit for contents shown on your policy schedule |
| Medical equipment on loan | £5,000 |
| Accidental damage to wheelchairs and stairlifts in the home | Up to the maximum claim limit for contents shown on your policy schedule |
| Rent and alternative accommodation | 20% of the contents' maximum claim limit shown on your policy schedule |
Buildings Insurance
Loss or damage caused by weight of snow. Loss or damage to gates and fences caused by storm or flood.
Contents Insurance
Loss or damage caused by weight of snow. Theft or attempted theft when your home or any part of it is lent, let, or sublet to or occupied by someone who is not a member of your family unless damaged was caused because force was used to get in or out of the building.
General policy exclusions applicable to all sections and optional extras
Property covered by another policy of insurance. Any criminal or deliberate act by you or your family. Loss or damage caused by wear and tear or lack of maintenance.
Choose from a wide range of optional extras to tailor the cover to suit you.
For an additional charge, you can add these optional extras to your insurance cover. Please download the policy document for full terms and conditions.
Cover | Standard policy limits |
Significant exclusions |
|---|---|---|
| Accidental damage to buildings and contents | Up to the buildings' or contents' maximum claim limit shown on your policy schedule |
|
| Unspecified personal belongings | Limited to £1,000 - £5,000 |
|
| Specified personal belongings | Limited to £10,000 |
|
| Pedal cycles | Limited to £300 unspecified and £1,000 specified |
|
| Static caravan | Up to £35,000 for the structure and up to £2,500 for the caravan equipment |
|
| Touring caravan | Up to £25,000 for the structure and up to £2,500 for the caravan equipment |
|
| Home emergency |
To qualify to add Home Emergency cover, the property has to be owned by the policyholder and also their main residence. Benefits include:
Limited to £1,500 during the period of insurance, with a claim limit of £500 per incident. Provides emergency repair by a qualified professional or permanent repair provided this does not exceed the cost of the emergency repair. Claim limits include the cost of call out, labour, materials and VAT. |
|
| Personal legal protection | Provides up to £100,000 of cover to take legal action for things such as employment, contract or property disputes and personal injuries or clinical negligence. |
|
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.
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:
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.
If you're an existing customer, please call the friendly UK-based Age Co team at the Ageas contact centre on 0345 603 0512 if you need postal copies of any of your documents.
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.
Home Insurance Policy Document
(viewable in pdf, file size 1 MB)
Home Buildings & Contents Insurance Cover Product Information Document
(viewable in pdf, file size 261 KB)
Home Buildings Insurance (Only) Cover Product Information Document
(viewable in pdf, file size 260 KB)
Home Contents Insurance (Only) All Risks Cover Product Information Document
(viewable in pdf, file size 261 KB)
Home Insurance Policy Document
(viewable in pdf, file size 1 MB)
Buildings & Contents Cover Product Information Document
(viewable in pdf, file size 411 KB)
Buildings (Only) Cover Product Information Document
(viewable in pdf, file size 410 KB)
Contents (Only) All Risks Cover Product Information Document
(viewable in pdf, file size 410 KB)
Contents (Only) Cover Product Information Document
(viewable in pdf, file size 410 KB)
Home Emergency Cover Policy Document
(viewable in pdf, file size 3 MB)
Home Emergency Cover Product Information Document
(viewable in pdf, file size 206 KB)
Personal Legal Protection Policy Document
(viewable in pdf, file size 1 MB)
Personal Legal Protection Cover Product Information Document
(viewable in pdf, file size 252 KB)
Simply call the Age Co Home Insurance claims helpline 0345 602 5273. Lines are open 24 hours a day, 365 days a year. You will need to have your policy details ready when you call.
Age Co Home Insurance is designed with the over 50s in mind, however there is no age restriction and anyone can apply providing your home is:
In order to provide buildings cover, the property must be owned by you.
Cover cannot be provided if you or anyone living with you has:
Please note that other factors may also affect eligibility, not just those listed above. If you're unsure please call the Age Co team at the Ageas Contact Centre on 0800 028 7601*.
No. If you live in rented accommodation, your landlord should have buildings insurance and you only need contents insurance.
If you own your own property it is advised that you have both. Almost all mortgage lenders will require you to take out buildings insurance as part of the conditions of the mortgage contract.
All claims for contents cover are settled on a ‘new for old’ basis. So, damaged items will be repaired and anything stolen or damaged beyond repair will be replaced as new. With buildings cover, claim settlements are based on the full repair or rebuilding cost. Please note, the sum insured must be high enough to cover the full replacement or rebuilding cost at today’s prices.
Not necessarily. But, if you need to insure high sums or depending on the area you live in, you may need to take additional precautions as part of the arrangements for providing your buildings and contents insurance cover. See page 10 of the policy document for more details.
If you’re not satisfied with your policy, you can cancel at any time by telephoning the Age Co team at the Ageas Contact centre on 0800 028 7601* or writing to Age Co Insurance. 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. See page 10 of the policy document for more details.
You can add extras options to your cover online or over the telephone. The insurance arranger will be happy to discuss the options with you so that you can decide what additional cover you need. When you apply, just let them know which extras – if any – you want to include in your cover.
If you make a change to your policy during the period of insurance and the difference in the premium is less than £10, you will not be charged an additional premium or have a refund. Plus, unlike most insurers, Age Co Home Insurance will not charge you an admin fee for changing your policy.
'Admin fees' can include adjustment fees, cancellation fees and duplicate document fees. Age Co Home Insurance have no fees for policy amendments, cancellations or duplicate documents.
Defaqto are a leading independent UK financial researcher, specialising in analysing and comparing financial products such as insurance. They rate hundreds of insurance products, giving each a 1 to 5 rating based on quality and comprehensiveness of the features and benefits it offers. This may help you make a more informed decision about which one suits your needs. Defaqto are completely independent and unbiased and never knowingly exclude a product or policy from their Star Ratings.
Defaqto assesses products based on the features and benefits they offer, helping you see at a glance where a product sits in the market. Age Co Home Insurance provides one of the highest quality policies in the market as indicated by a Defaqto 5 Star Rating.
Buildings insurance is compulsory if your property is mortgaged, and is highly recommended (but not compulsory) if you own your house outright.
Buildings insurance covers the structure of your property and your permanent fixtures and fittings, such as your kitchen and bathroom. To put it simply, buildings insurance covers the things you can’t take with you if you were to move to a new house. You cannot take out buildings insurance for a property you don’t own.
Whether you are in owned, rented or temporary accommodation, you should also protect your belongings. Contents insurance covers the items within your home from loss, damage or theft. Again, to put it simply, contents insurance covers the items you would take with you if you were to move. Most content insurance policies will have the option of covering items while you are away from your home or on holiday. An additional charge may apply.
It is sensible to have both buildings and contents insurance, as independently they might not give you the cover you need. Plus, many insurers will provide a discount to customers who take out both buildings and contents insurance from the same provider.
0800 028 7601* 0800 028 7601*
Lines open Mon-Fri: 8.30 am to 6.00 pm, Sat: 9 am to 1 pm. Calls may be recorded.
^The UK based service team have been awarded the Feefo Platinum Trusted Service Award 2022.
††Rent and Alternative Accommodation cover is 20% of the Buildings or Contents sum insured.
*If you call the 0800 number, you will 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).
If you need to make a complaint, please refer your policy documents or find details on our Contact Us page.
Age Co are unable to offer insurance to residents of the Channel Islands.
AgeCo Limited are 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.
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