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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.

  • 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

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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 21 October 2019 for new online policies from Defaqto Matrix.

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

Policy options and extras

Choose from a range of optional extras to tailor the cover to suit you.

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 and where a third party can be identified to claim for uninsured losses and personal injuries
  • For any claim to be pursued there must be more than a 50% chance of success
  • Any costs incurred before the insurer appoints a solicitor will not be covered.
Key Protection
  • Within the core motor insurance policy replacement keys and locks following loss or theft of car keys are covered up to £500 and an excess of £100 would be payable. This Key Protection cover also includes other keys, such as home and office. No limit on the number of claims subject to a maximum of £1,500 in the policy year including VAT
  • Lost or stolen keys must be reported to the police and a crime reference number obtained
  • Some claims will require you to pay for the replacement of keys/locks and then seek reimbursement.
Excess Protection
  • Excess Protection will reimburse you the excess you pay following a vehicle theft, fire or fault claim
  • Claims for glass are excluded
  • Excess can only be reimbursed if it's not recoverable from a third party
  • You can make up to 2 claims per policy year subject to a limit of £500 per claim.

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

What you need to buy

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

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

Frequently Asked Questions

How do I make a claim?

Simply call the claims helpline (telephone number shown on your policy schedule), which is open 24 hours a day, 365 days a year. An operator will immediately confirm whether your policy covers you for the incident. Please have your policy details available.

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What are the impacts of a 'no-deal' Brexit for Age Co customers?

A 'no-deal' Brexit will have some impacts on Age Co Car and Travel Insurance customers. Read our article to understand more.

Brexit - important information for policy holders PDF

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What are the benefits of over 50s car insurance?

Many factors are taken into consideration when calculating an insurance quote, age being one of them. With more experience on the road and a tendency to be cautious, older drivers are welcomed with Age Co Car Insurance. Unlike other providers, Age Co Car Insurance has no upper age limits and no admin fees for changes or cancellations to policies. Age Co’s Comprehensive Cover also offers great additional benefits like 180 days of European cover, a maximum payment of £250 to get you and your passengers home if your vehicle is no longer road worthy, and unlimited windscreen cover with our chosen glass companies. 

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Who is eligible for Age Co Car Insurance and can young drivers be included on the policy?

Although this insurance is designed with the over 50s in mind, there are no age restrictions. Younger named drivers can be included on the policy, subject to acceptance by the insurer.

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What if I have pre-existing medical conditions?

Having pre-existing medical conditions should not affect your Age Co Car Insurance quote, but UK law requires you to report certain conditions to the Driver and Vehicle Licensing Agency (DVLA) and, if they deem you to be unfit for driving, you will be refused cove.

Legally, you must be able to read a car number plate from 20 metres away to be able to drive, so if you find that your eyesight is no longer what it once was, you should schedule an eye test at the opticians (available for free on the NHS for those aged 60 or above, and free to all ages in Scotland). It is your responsibility to notify Age Co of any changes to your medical conditions to ensure you are still covered under an existing policy.

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What is 'No-Claims Discount'?

This is a discount on your car insurance premium. You can receive this if you have not made any claims against your policy, or if you have made a claim and your insurer has made a full recovery of costs from the Third Party. This discount grows with time based on the number of years you have been claims free.

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Can I protect my 'No-Claims Discount'?

You will automatically be given Protected No Claims Discount if you have at least four years No Claims Discount and have not made more than 1 fault claim in the past 3 years. No Claims Discount Protection allows you to have up to two claims in three years without affecting your No Claims Discount. It does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault. Other factors can also increase the price of your policy.

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Will I have to pay any additional charges or fees once I have paid the premium?

Some providers charge ‘hidden admin fees', which can include adjustment, cancellation fees and duplicate document fees. 

With Age Co Car Insurance there are no hidden admin fees. There are also no fees for policy amendments, cancelling your policy or requesting duplicate copies of your policy documents. An additional premium will only be requested if you make any changes that increase your level of risk. An example of this would be adding an additional driver. Where the changes amount to less than £10, a request for additional payment will not be made, nor a refund issued.

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Will I get a courtesy car during repairs?

With comprehensive cover, you will be entitled to a courtesy car in the event of an accident, or once the vehicle has been recovered following a theft, whilst repairs are being carried out by an approved repairer. A courtesy car will also be provided for up to 14 days should your car be stolen or written off. 

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What is CIE?

The Continuous Insurance Enforcement (CIE) legislation was introduced in England, Scotland and Wales to help ensure all motor vehicles are either insured or declared as ‘off road’ using a Statutory Off Road Notice (SORN). If you don’t use your car on the roads, for example, if you keep it in a garage during the winter months, then you will not need to insure your vehicle, but you must inform the Driver and Vehicle Licensing Agency (DVLA) and obtain a SORN. Otherwise you may receive a fine, a court prosecution, or your car may be clamped, seized and disposed of.

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Is Motor Breakdown cover available?

You can add Motor Breakdown cover for an additional cost or can buy this separately. This cover is provided by Call Assist Ltd. You'll be covered for roadside assistance, vehicle recovery, and you're even covered at home if your car won't start. 

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What if my vehicle is ‘off road’ during winter or SORN?

If you are not currently using your car, or if you keep it laid up in a garage during the winter months, you can inform the Driver and Vehicle Licensing Agency (DVLA) and obtain a Statutory Off Road Notice (SORN). Vehicles with a SORN are not required to be insured while they remain off the road. It is important to note, however, that you could lose your no-claims bonus if you do not maintain a car insurance policy in your name for more than two years. 

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Is Motor Legal Protection cover available?

You can take out Motor Legal Protection cover, which includes a 24/7 legal helpline, for an extra cost. This is designed to protect you against compensation for personal injury when you are not at fault or to defend a motoring prosecution brought against you. You can also obtain legal advice and assistance to pursue your claim for uninsured losses. This might include your policy excess, loss of earnings, car hire changes or additional travel expenses.

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How do I renew my policy?

You will be written to in good time before your renewal date with the full details of your renewal. If you are paying by direct debit instalments your policy will automatically renew. Should you not wish to renew, you can cancel by phoning us on 0345 128 7915.

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What should I do if I have an accident?

You should call the accident helpline on 0345 601 6687 or +44 2380 621983 if calling from abroad. It’s open 24 hours a day, 365 days a year.

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Are the repairs guaranteed?

All repairs are guaranteed for up to three years, provided that they are carried out by an approved repairer.

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What if I change my mind and want to cancel my car insurance policy?

If you are not satisfied with your policy you can cancel at any time over the phone or in writing at no additional cost. You will only be charged for the time you have been on cover, unless a claim has been made. If a claim has been made you will need to pay the full annual premium.

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What about third party insurance?

Third party insurance is the absolute minimum level of cover you are required to have by law before driving a car. Should you have an accident and cause damage or injure another driver their costs will be covered, but you and your car will not be covered. Third-party insurance is not always cheaper than comprehensive and it may cost you more in the long run. 

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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

M8408V15MAR20

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