In addition to this summary of cover, please refer to the policy booklet for terms, conditions, limitations and exclusions. Age Co Car Insurance also offers Third-Party Fire & Theft and Third-Party only cover - terms, conditions, limitations and exclusions for these cover types can be found in the policy booklet
|
Cover |
Comprehensive |
Significant limitations |
|---|---|---|
| Liabilities to third parties | Yes | £20,000,000 limit for third party property damage. |
| Use of your car in European Union | Yes | Maximum 180 days in any one period of insurance. |
| Driving a car that does not belong to you | Yes. In some circumstances. | Cover only applies for the policyholder and if shown on the certificate of motor insurance. Cover is Third Party only. |
| Accidental or malicious damage to your own car | Yes | Market value. Subject to excesses. Additional excesses for young or inexperienced drivers. |
| Damage to own car by fire or theft | Yes | Market value. Subject to excesses. |
| Audio, navigation, entertainment and telephone equipment | Yes | Cover only applies to equipment permanently fitted to the car. |
| Personal belongings | Yes | Up to £300. |
| Damaged windows or windscreen | Yes | £50 replacement excess. Cover is limited to £250 after the deduction of the excess if the approved glassline is not used. If your windscreen can be repaired, your excess will be waived. |
| Personal accident and road rage | Yes | Policyholder, spouse and civil partner: death £5,000; loss of sight or limb £5,000. |
| Medical expenses | Yes | Up to £500 each person. |
|
Replacement locks |
Yes |
£100 excess. Up to £500. |
| Trailer cover | Yes | Up to £350 if single axle and attached. |
| Medical emergencies | Yes | Within 24 hours of emergency occuring. |
Significant exclusions
|
Cover |
Significant exclusions and limitations |
|---|---|
| Loss of or damage to car and personal belongings |
|
| Loss of or damage to the car |
|
| Driving a car that does not belong to you |
|
| Audio, navigation, entertainment and telephone equipment |
|
| Personal belongings |
|
| Damaged windscreen and window glass |
|
| Personal accident |
|
| Trailer cover |
|
| Medical Emergencies |
|
Car Insurance Policy Document
(viewable in pdf, file size 280 KB)
Comprehensive Cover Product Information Document
(viewable in pdf, file size 407 KB)
Third Party, Fire & Theft Cover Product Information Document
(viewable in pdf, file size 407 KB)
Third Party (Only) Cover Product Information Document
(viewable in pdf, file size 405 KB)
Age Co Car Insurance is designed with the over 50s in mind, you can purchase either comprehensive, third-party fire and theft, or third-party only cover. Plus, with a whole range of added benefits and optional extras available, you can choose cover that’s right for you, from an award-winning service provider.†
Information sourced on 17 August 2020 for new online policies from Defaqto Matrix.
| Product Features | Age Co Car Insurance |
AA Car Insurance | Admiral Car Insurance |
RIAS |
|---|---|---|---|---|
| Adjustment Fee There is no adjustment fee |
✔ |
|
|
|
| Cancellation Fee There is no cancellation fee |
|
|
|
|
|
Misfuelling |
|
✔ |
|
|
|
Foreign Use Max Free Days |
✔ |
|
|
|
Information sourced on 17 August 2020 for new online policies from Defaqto Matrix.
Here are some useful tips when looking to buy car insurance:
To get a no-obligation Car Insurance quote designed for the over 50s, please have these details to hand:
0800 077 8193** 0800 077 8193**
Lines open Mon-Fri: 8am to 8pm, Sat: 9am to 1pm. Calls may be recorded.
Age Co Car Insurance is administered by Ageas Retail Limited, and underwritten by Ageas Insurance Limited.
Age Co Motor Breakdown Insurance is provided by Call Assist 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.
* 10% of all customers who took out a Comprehensive policy between May and October 2020 paid £193.14 or less (includes insurance premium tax at the applicable rate).
** If you call the 0800 number, you may be dealing with Ageas Retail Limited.
*** If you have at least 4 years of proven no claims and have made no more than 1 fault claim in the past 3 years.
^ In the event of an accident or when recovered damaged following a theft, and if repairs are carried out by an approved repairer. A courtesy car will also be provided for up to 14 days if your vehicle is stolen or written off.
† The UK based service team have been awarded the Feefo Platinum Trusted Service Award 2020.
Call lines open Mon-Fri: 8:30am to 6pm, Sat: 9am to 1pm. Calls may be recorded.
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.
Call Assist Ltd is registered in England and Wales. Registered Company No: 3668383. Registered Office address: Axis Court, North Station Road, Colchester, Essex, CO1 1UX. Call Assist Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 304838
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