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Age Co Car Insurance

Choose award-winning Age Co Car Insurance for both quality and price          

Age Co Car Insurance is administered by Ageas Retail Limited, and underwritten by Ageas Insurance Limited.

Defaqto Car Insurance 5 Stars Feefo Platinum Service 2020
  • Protecting your No Claims Discount is included as standard***
  • No upper age limit, unlike other providers
  • No hidden admin fees
  • Guaranteed courtesy car for comprehensive cover customers^
  • 'Get you home service' after an accident — up to £250
  • Award-winning service†
Donations to Age UK's charitable work from Age Co sales are expected to reach £3 million each year

Summary of cover

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
  • All loss or damage arising from malicious damage, vandalism, fire, theft or attempted theft when no-one is in the car unless all its doors and windows are closed and locked
  • All loss or damage arising from malicious damage, vandalism, fire, theft or attempted theft when no-one is in the car unless all keys or devices used to lock the car are removed from it
Loss of or damage to the car
  • Extra costs due to parts or replacements not being available in the UK
  • Caused by a person known to you taking the car without your permission
  • Caused by deception
Driving a car that does not belong to you
  • Use outside the UK
  • A car registered outside the UK
  • If your car is disposed of or damaged beyond economical repair
Audio, navigation, entertainment and telephone equipment
  • All loss or damage when no-one is in the car unless all its doors and windows are closed and locked
  • All loss or damage when no-one is in the car unless all keys or devices used to lock the car are removed from it
Personal belongings
  • Money, business goods and telephones
Damaged windscreen and window glass
  • Sun roof and hood mechanisms
  • Windows and windscreens unless made of glass
Personal accident
  • Suicide
  • Failure to wear seat belts
  • If driving with excess drink/drugs
Trailer cover
  • Caravans, trailer tents, horseboxes, vehicle transporters, tipping trailers and food bars
  • No cover if unattached
Medical Emergencies
  • Drivers under 25 and inexperienced drivers

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)

Benefits

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.

  • Our 'Message Relay Service' gives you the option for a friend or relative to be contacted if you have an accident
  • Permanently fitted audio equipment is protected under comprehensive and third-party fire and theft policies only
  • Our ‘Get You Home Service’ will ensure you arrive home or to your planned destination if your car is not roadworthy after an accident (comprehensive cover only) - up to £250
  • Unlimited windscreen cover (comprehensive cover only)
  • Optional key protection cover
  • Optional excess protection cover
  • Optional motor legal protection cover; provided by Arc Legal Assistance Limited
  • Motor breakdown cover is also available; provided by Call Assist Ltd
  • European cover for up to 180 days a year, so that you can make the most of exploring the Continent during your retirement years
  • 5 Star Defaqto rated - the highest rating possible
  • Accredited the Feefo Platinum Trusted Merchant 2020

Plus, you can also start saving straight away! If you move to Age Co Car Insurance and cancel your current insurance, you'll be refunded any cancellation fees that your current insurer charges - up to £55^^. Simply download and return the cancellation charge refund form. Please check that Age Co Car Insurance will cover your car and what you will be charged by your current insurer before cancelling your existing policy.

Compare insurers

Information sourced on 17 August 2020 for new online policies from Defaqto Matrix.

Compare Age Co Car Insurance with other insurers
Product Features Age Co
Car Insurance

AA Car Insurance
(non members)

Admiral
Car Insurance

RIAS 
Car Insurance

Adjustment Fee 
There is no adjustment fee
 




Cancellation Fee
There is no cancellation fee





Misfuelling
Misfuelling cover is provided as standard


 



Foreign Use Max Free Days
Free Foreign Use available 93 days or more

 


 


 


 

Information sourced on 17 August 2020 for new online policies from Defaqto Matrix.

Customer reviews

What you need to buy

Here are some useful tips when looking to buy car insurance:

  • Third-party insurance is not always cheaper than comprehensive and it may cost you more in the long run. If you are involved in an incident with an uninsured driver and if you are unable to prove the other party is liable for the crash you would end up paying the repair bill for your vehicle.
  • Always contact the DVLA and your motor insurance company if you develop any medical conditions that could impair your ability to drive. Otherwise you may find yourself not insured and facing a fine. To find out more, please visit www.gov.uk/health-conditions-and-driving.

To get a no-obligation Car Insurance quote designed for the over 50s, please have these details to hand:

Vehicle Details:

  • Registration number
  • Make/Model type
  • Annual mileage - an estimate

Driver/s Details (Main and Additional):

  • Name and Address (including postcode)
  • Date of birth
  • Occupation
  • Type of licence and number of years held
  • Any driving conviction details for the last 5 years for all drivers
  • Any past motor claims by all drivers in the last 5 years
  • No Claims Discount - number of years
  • Policy start date

Get in touch

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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 September 2019 and February 2020 paid £187.99 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

M0186V1AUG20

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