For an additional premium, you can choose from a range of optional extras to add to your home or car insurance policy
Call the Age Co team at the Ageas Contact Centre on 0800 032 9391* 0800 032 9391*
Lines open Mon-Fri: 8.30 am to 6.00 pm, Sat: 9 am to 1 pm. Calls may be recorded.
Personal Legal Protection can be added to your Home Insurance and 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†.
To add Personal Legal Protection to your Home Insurance Policy for £22, call the Age Co Team at the Ageas Contact Centre on 0800 032 9391*.
| 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 or the Isle of Man) against an employer or ex-employer for breach 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)
Home Emergency Cover~ can be added to your Home Insurance policy for £52 and covers up to £500 for an approved and qualified professional to carry out repairs in the event of an emergency listed below.
To add Home Emergency Cover~ to your Home Insurance policy call the Age Co team at the Ageas Contact Centre on 0800 032 9391*.
What is covered? |
|
An event that the insurer considers to be an emergency to your Home by the following causes:
|
|
Where your home is rendered not fit to live in as a result of an emergency covered by this policy, the insurer will pay up to a total of £250 including VAT, for reasonable overnight accommodation only costs, incurred by you. ~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. |
For full terms and conditions, please view the policy document and the product information document.
Home Emergency Policy Document
(viewable in pdf, file size 636 KB)
Home Emergency Cover Product Information Document
(viewable in pdf, file size 407 KB)
See the Motor Breakdown web page for further information about the benefits of having cover, and what's included.
To add Motor Breakdown cover to your Car Insurance policy for as little as £69^, call the Age Co team at the Ageas Contact Centre on 0800 032 9391*.
| What is covered? | |
| Doorstep & Roadside Assistance | If the insured vehicle is immobilised or rendered un-roadworthy as the result of an insured incident, the insurer 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 the insurer has been contacted in connection with an insured incident, the insurer 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 affected 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: The insurer will arrange and pay for the transportation of the insured person(s), and if appropriate, the insured vehicle: i) to the policyholder's home address. OR ii) to the original destination within the UK area. OR iii) to the repairer either in the vicinity of the above locations or to a repairer of your choice. The means of transport shall be at the insurer's discretion. |
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 Only) Cover Product Information Document
(viewable in pdf, file size 359 KB)
To add Motor Legal Protection to your Car Insurance policy for £22, call the Age Co team at the Ageas Contact Centre on 0800 032 9391*.
| 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 the 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, the insurer will pay your physiotherapy costs of up to £375 for each injured person if they have agreed to pay them. |
For full terms and conditions, please view the policy document and the product information document.
Motor Legal Protection Policy Document
(viewable in pdf, file size 622 KB)
Motor Legal Protection Cover Product Information Document
(viewable in pdf, file size 406 KB)
Excess Protection will reimburse you the excess you pay following a vehicle theft, fire or fault claim**.
To add Excess Protection to your Car Insurance policy for £22‡, call the Age Co team at the Ageas Contact Centre on 0800 032 9391*.
| 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. The policy reimburses the excess when recovery cannot be made from a third party. The amount paid is the value of your Age Co Car Insurance policy excess up to a maximum of £500, (if the excess exceeds the amount the policyholder will be responsible for the difference). A maximum of two claims in the period of insurance are permitted. |
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 available where your car is valued more than the total excess payable in your car insurance policy.
0800 032 9391* 0800 032 9391*
Lines open Mon-Fri: 8.30 am to 6.00 pm, Sat: 9 am to 1 pm. Calls may be recorded.
* If you call the 0800 number, you will be dealing with Ageas Retail Limited.
† There must be more than a 50% chance of success for the claim to be accepted.
~ Limited to £1,500 during the period of insurance and claims will be excluded for an emergency within 14 days of the date of the first purchase of this policy.
^ For eligible vehicles under 11 years old. Vehicles over 11 years old will pay an increased premium. Optional European cover is available.
** Claims for glass are excluded.
‡ Subject to policy limits, excess, terms and conditions.
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.
Age Co Excess Protection is provided by Ageas Insurance Limited.
If you need to make a complaint, please refer to the policy documents.
MI428R1NOV21
