Optional Extras
For an additional premium, you can add these optional extras to your home and car insurance policy.
Call for Free 0800 032 9391* 0800 032 9391*
Lines open Mon-Fri: 8:30am to 6pm, Sat: 9am to 1pm. Calls may be recorded.
For an additional premium, you can add these optional extras to your home and car insurance policy.
Call for Free 0800 032 9391* 0800 032 9391*
Lines open Mon-Fri: 8:30am to 6pm, Sat: 9am to 1pm. Calls may be recorded.
| Home Insurance | |
| Personal Legal Protection |
Provides up to £100,000 of cover to take legal action in relation to employment, contract or property disputes and personal injuries or clinical negligence†. |
| Home Emergency Cover |
Up to £500 for an approved and qualified professional to carry out repairs in the event of an emergency such as bursting or sudden leakage of water pipes, complete failure of central heating and hot water††. |
| Car Insurance | |
| Motor Breakdown | Motor Breakdown cover from just £69^. |
| Key Protection | Your car and household keys will be replaced if you lose them‡. |
| 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+. |
| Excess Protection | Will reimburse you the excess you pay following a vehicle theft, fire or fault claim§. |
Add Personal Legal Protection to your Buildings, Contents or Combined policy for £22
| What is covered? | |
| Personal Injury | Advisers’ costs to pursue a legal action for financial compensation for damages following an accident resulting in your personal injury or death against the person or organisation directly responsible. |
| Clinical Negligence | Advisers’ costs to pursue a legal action for financial compensation for damages following clinical negligence resulting in your personal injury or death against the person or organisation directly responsible. |
| Employment Disputes | Standard advisers’ costs to pursue a legal action brought before an Employment Tribunal (or its equivalent in Scotland, Northern Ireland, the Channel Islands or the Isle of Man) against an employer or ex-employer for breach as an employee of your: Contract of employment; or Legal rights under employment law. |
| Property Protection |
Advisers’ costs to pursue a legal action for nuisance or trespass against the person or organisation infringing your legal rights in relation to your main home. This section does not extend to divorce or matrimonial matters. Advisers’ costs to pursue a legal action for financial compensation for damages against a person or organisation that causes physical damage to your main home. The damage must have been caused after you first purchased this insurance. |
| Tax | Advisers’ costs incurred by an Accountant if you are subject to an HM Revenue and Customs full enquiry into your personal Income Tax position. This cover applies only if you have: a) Maintained proper, complete, truthful and up to date records b) Made all returns at the due time without having to pay any penalty c) Provided all information that HM Revenue and Customs reasonably requires. |
| Motor Prosecution Defence | Advisers’ costs to defend a legal action in respect of a motoring offence, arising from your use of a vehicle. Pleas in mitigation are covered where there is a reasonable prospect of such a plea materially affecting the likely outcome and when it is in the public interest to do so. Support for such pleas is solely at our discretion. |
For full terms and conditions, please view the policy document and the product information document.
Personal Legal Protection Policy Document
(viewable in pdf, file size 1 MB)
Personal Legal Protection Cover Product Information Document
(viewable in pdf, file size 407 KB)
Add Home Emergency cover to your building and contents policy for £52**
| What is covered? |
| An event which we consider to be an emergency to your Home by the following causes: |
| Bursting or sudden leakage of water pipes within your home or failure of your domestic hot water heating system |
| Failure of or damage to underground drains or sewers within the boundary of your home |
| Complete failure of your mains services for which you are legally responsible for |
| Complete failure of your central heating system involving a boiler or warm air unit |
| Damage to, or mechanical failure of, the only accessible toilet or cistern in your home which results in complete loss of function |
| Removal of wasp nests, mice or rats within your home |
| Damaged or broken locks, doors and windows. Break-in or vandalism compromising the security of your home |
| Missing or repositioned roof tiles |
| Where your home is rendered not fit to live in as a result of an emergency covered by this policy, if you ask us we will arrange and pay up to a total of £250 including VAT for reasonable overnight accommodation only costs, incurred by you |
For full terms and conditions, please view the policy document and the product information document.
Home Emergency Cover Policy Document
(viewable in pdf, file size 636 KB)
Home Emergency Cover Product Information Document
(viewable in pdf, file size 407 KB)
**Home Emergency Cover can only be purchased if you are the homeowner. Home Emergency Cover is also not available to customers residing in the scottish islands and non-permanent residential properties.
Add UK Motor Breakdown cover to your policy from as little as £69^
| What is covered? | |
| Doorstep & Roadside Assistance | If the insured vehicle is immobilised or rendered un-roadworthy as the result of an insured incident, we will arrange and pay for callout and assistance at your home or at the roadside; and, if necessary, the transportation of the insured person(s) and the insured vehicle to the nearest repairer. |
| Message Relay | If we have been contacted in connection with an insured incident, we will relay telephone messages to your family members, friends or business associates to advise of unforeseen travel delays. |
| Vehicle Recovery/Onwards Transportation | In the event of loss of use of the insured vehicle caused by an insured incident, and it is apparent repairs cannot be effected by the end of the working day in which the insured incident occurred, provided our services were requested at the time of the insured incident. |
For full terms and conditions, please view the policy document and the product information documents.
Motor Breakdown Policy Document
(viewable in pdf, file size 705 KB)
Motor Breakdown (UK & EU) Cover Product Information Document
(viewable in pdf, file size 360 KB)
Motor Breakdown (UK Only) Cover Product Information Document
(viewable in pdf, file size 359 KB)
Add Motor Legal Proctection to your car insurance policy for £22
| What is covered? | |
| Personal Injury | You are covered for advisers’ costs to pursue damages for claims arising from a road traffic accident whilst you are in, boarding or alighting the vehicle, against those whose negligence has caused your injury or death. |
| Uninsured Loss Recovery | You are covered for advisers’ costs to pursue damages claims arising from a road traffic accident against those whose negligence has caused you to suffer loss of your insurance policy excess or other out of pocket expenses. |
| Motor prosecution defence | Advisers’ costs to defend an action in respect of a motoring offence, arising from your use of a vehicle. |
| Motor contract disputes | You are covered for advisers’ costs to pursue or defend contract disputes relating to the sale or purchase of goods or services relating to the vehicle, including the vehicle itself. At least £250 including VAT must be in dispute. |
| Vehicle cloning | You are covered for advisers’ costs to defend civil or criminal legal proceedings arising from use of the vehicle’s identity by another person or organisation without your permission. |
| Motor Insurance Database disputes | You are covered for advisers’ costs for representation of your legal rights in a dispute with the police and/or other government agency in the event your vehicle is seized following a failure in the communications between your insurance broker/insurer and the Motor Insurance Database, resulting in incorrect information about you or your vehicle being recorded on that database. |
| Physiotherapy cover | Following a road traffic accident involving your vehicle, which was not your fault, we will pay your physiotherapy costs of up to £375 for each injured person if we have agreed to pay them. |
For full terms and conditions, please view the policy document and the product information document.
Legal Protection Policy Document
(viewable in pdf, file size 622 KB)
Legal Protection Cover Product Information Document
(viewable in pdf, file size 406 KB)
Add Excess Protection to your car insurance policy for £22‡
| What is covered? | This optional cover is designed to provide reimbursement of your Excess in the event of an incident during the period of insurance; Where no recovery can be made from a third party; To the value of your Age UK Car or Motorcycle Insurance Policy excess up to a maximum of £500 (If your Excess exceeds this amount you will be responsible for the difference). A maximum of two claims in the period of insurance. |
For full terms and conditions, please view the policy document and the product information document.
Excess Protection Policy Document
(viewable in pdf, file size 624 KB)
Excess Protection Cover Product Information Document
(viewable in pdf, file size 358 KB)
‡Only avaliable for comprehensive customers and for vehicles valued over £500.
Add Key Protection to your car insurance policy for £20
| What is covered? | Your car and household keys will be replaced if you lose them‡. |
| Your car or household keys will be replaced if they are stolen‡. | |
| Your car and household keys will be replaced if they are broken in any lock denying you access to your property. |
For full terms and conditions, please view the policy document and the product information document.
Key Protection Policy Document
(viewable in pdf, file size 613 KB)
Key Protection Cover Product Information Document
(viewable in pdf, file size 359 KB)
0800 032 9391* 0800 032 9391*
Lines open Mon-Fri: 8:30am to 6pm, Sat: 9am to 1pm. Calls may be recorded.
Age Co Personal Legal Protection is provided by Arc Legal Assistance.
Age Co Home Emergency is provided by AXA Assistance (UK).
Age Co Motor Breakdown is provided by Call Assist Ltd.
Age Co Motor Legal Protection is provided by Arc Legal Assistance.
Key Protection and Excess Protection are provided by Ageas Insurance Limited.
If you need to make a complaint, please refer to the policy documents.
* If you call the 0800 number, you will be dealing with Ageas Retail Limited. Calls may be recorded. Lines are open 8am - 8pm Monday- Friday and 9am- 1pm on Saturdays.
† There must be more than a 50% chance of success for the claim to be accepted.
^For eligible vehicles under 11 years old. Vehicles over 11 years old will pay an increased premium. Optional European cover available
‡Subject to policy limits, excess, terms and conditions.
†† Limited to £1,500 during the period of insurance, and claims will be excluded for an emergency within 14 days of the date of first purchase of this policy.
§Claims for glass are excluded and you can make up to 2 claims per policy year subject to a limit of £500 per claim.
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