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Optional Extras

For an additional premium, you can add these optional extras to your home and car insurance policy.

Optional Extras: 0800 032 9391* Optional Extras: 0800 032 9391*

Donations to Age UK’s charitable work from Age Co sales are expected to reach £3 million each year

  • Legal Protection cover up to £100,000†
  • UK Motor Breakdown from just £69^
  • No Hidden Admin Fees
  • Key Protection for your car and home keys‡
  • Home Emergency cover for just £52††
  • UK based call centre
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 vechile theft, fire or fault claim§.

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 click here to view policy document.

**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, click here to view the policy document.

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, click here to view policy document.

‡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, click here to view policy document.

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 call the 0800 number, you will be dealing with either an Age UK office or 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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