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  • No hidden admin fees
  • UK based call centre
  • 'New for Old' cover
  • Award Winning Service^
  • 24-hour legal helpline
Donations to Age UK’s charitable work from Age Co sales are expected to reach £3 million each year

Buildings and Contents Insurance

Age Co Home Insurance offers both buildings insurance and contents insurance, which can be bought separately or as a package

Buildings insurance

Buildings insurance is designed to protect the foundations of your home. It is essential to protect against the risks of fire, flood and storm damage. 

The policy covers:

•  Fixtures and fittings
•  Garages, paths, drives and patios
•  Garden walls
•  Outbuildings
•  Accidental Damage Cover (optional add-on for an extra cost)

The policy will automatically cover your property up to £500,000^^^ rebuilding costs.

Please note that a non-standard construction property would be based on the customer's sum insured amount for the rebuild cost.

Cover cannot be provided if you are not the owner.

Contents insurance 

Contents insurance is designed to protect your belongings inside your home and garden. It can provide you with the reassurance that the things you value are protected. 

The policy covers:

•  Loss or damage to household goods
  Replacement of external locks if keys are lost away from your home or stolen
•  Loss of valuables (including jewellery), money and credit cards 
•  Cover for rent or alternative accommodation costs if your home can't be lived in due to an insured event.
•  Accidental Damage Cover (optional add-on for an extra cost)

Contents cover is available up to £60,000.

Increased contents cover of up to £100,000 may be available, subject to terms and conditions.  

Buildings and contents insurance will cover you against:

  • Fire, explosion, lightning, earthquake buildings and contents insurance
  • Storm or flood
  • Collision or impact by vehicle, train, aircraft or animal
  • Riot or malicious damage
  • Water or oil leaks from fixed installations
  • Theft or attempted theft
  • Falling trees, branches, telegraph poles and lamp posts
  • Subsidence, ground heave or landslip***

***Excesses are £1,000 for subsidence claims (reducing to £100 for properties under 10 year old), and £250 excess for flood and escaping water claims.

For full details, please refer to the Home Insurance policy document. Terms, conditions, limitations and exclusions apply.

Compare Insurers

Compare Age Co Home Insurance with other insurers
Product FeaturesAge Co
Home Insurance

AA
Home Insurance
Buildings & Contents

Saga
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Tesco Bank
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Additional Fees
Adjustment Fee § £0 £15 £14.50 £25
Cancellation Fee £0 £20 £35 £35
Coverage
Buildings Insurance Up to £500,000 Up to £1,000,000 Up to £1,000,000 Unlimited
Contents Insurance

Min £60,000

Min £40,000 Min £75,000 Min £75,000

Information sourced on 03 October 2019 for new online policies from Defaqto Matrix.

§ In the event of a change of circumstances, premium charges may apply.

Age Co Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers^^

What your policy will cover

See what is and isn't covered by Age Co Contents Insurance.

In addition to this summary of cover, please refer to the policy document for terms, conditions, limitations and exclusions and to the Insurance Product Information Document (IPID) for details specific to your quotation.

Buildings insurance 
Standard policy limits
Loss or damage to the building, as covered by your policy
The maximum claim limit shown on your building insurance policy schedule
Trace and access source of leak for escape of water and escape of oil causes Up to the maximum claim limit shown on your policy schedule
Property owners' liability £2 million
Cover for rent or alternative accommodation costs if your home can't be lived in due to an insured event
20% of the building's maximum claim limit shown on your policy schedule
Contents insurance Standard policy limits
Loss or damage to your home contents, as covered by your policy The maximum claim limit shown on your contents insurance policy schedule
Maximum claim limit for any valuable £2,000. Cover for higher valued items may be available upon request
Valuables in the home The maximum claim limit shown on your policy schedule
Money £500
Credit cards £1,000 
Freezer food  £1,000 
Public and personal liability £2 million 
Unpaid damages £2 million 
Tenant's liability 20% of the maximum claim limit for contents shown on your policy schedule 
Loss or damage to contents during removal Up to the maximum claim limit for contents shown on your policy schedule 
10% increase in the maximum claim limit for religious festivals, birthdays, family wedding and civil partnership ceremonies  Maximum claim limit for contents increased by 10% 
Counselling fees  £1,000 
Garden cover  £1,500 
Accidental breakage to audio/visual equipment, DVD equipment, fixed glass in furniture, mirrors and desk-top computers   Up to the maximum claim limit for contents shown on your policy schedule 
Fraudulent use of credit cards £1,000 
Carer's contents  £250
Items covered while living in a nursing home, residential care home or staying with family or friends Up to 20% of the maximum claim limit for contents shown on your policy schedule 
Medical equipment on loan  £5,000 
Accidental damage to wheelchairs and stairlifts in the home  Up to the maximum claim limit for contents shown on your policy schedule
Rent and alternative accommodation  20% of the contents' maximum claim limit shown on your policy schedule 

Additional benefits available to you 24 hours, 365 days a year:

  • Identity theft advice. If you are a victim of or worried about identity theft, there is advice and guidance.
  • 24-Hour Domestic Assistance Service.  If you have an emergency in your home, the service provider Arc Legal Assistance Ltd can arrange help from an authorised contractor. The contractor's costs or call out fees will only be repaid if they are covered by your Home Insurance policy or Home Emergency policy (minus any excess).
  • Optional additional voluntary excess. If you agree to pay an additional excess of £50, £100 or £250 for your buildings and contents insurance cover, you may reduce your insurance premium. This is on top of the standard £45 policy excess‡.
  • 24-hour legal helpline. Expert, independent and confidential advice on any legal problem arising under the laws of any member country of the EU or the Isle of Man, Channel Islands, Switzerland or Norway.

Significant exclusions:

Buildings Insurance

Loss or damage caused by weight of snow. Loss or damage to gates and fences caused by storm or flood. 

Contents Insurance

Loss or damage caused by weight of snow. Theft or attempted theft when your home or any part of it is lent, let or sublet to or occupied by someone who is not a member of your family, unless damaged was caused because force was used to get in or out of the building.

General policy exclusions applicable to all sections and optional extras

Property covered by another policy of insurance. Any criminal or deliberate act by you or your family. Loss or damage caused by wear and tear or lack of maintenance.

Age Co Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers^^

Customer reviews

Frequently Asked Questions

What's different about cover for the over 50s?

Another great benefit of being over 50 is that you could find that you get a better deal on your home insurance, simply because you are over 50. This is because the over 50s are less likely to cause damage by having, for example, un-planned parties. Because of this you could be considered as less “risk” to the insurance company, and instead older and wiser!

At the same time, it’s important to make sure you have cover that’s designed to meet your needs. For instance, people over the age of 50 are more likely to have a greater number of high-value items~, having collected them over a lifetime.  The over 50s are also more likely to have larger family homes. It’s also important for the over 50s to make sure you select cover which settles claims on a ‘new for old’ basis. This ensures that the cost of a replacement will be calculated based on how much it would cost to replace the item today, rather than the price you originally paid for it, be it 5, 15 or even 25 years ago. 

And finally, the over 50s are more likely to use their free time to travel, so you should also consider how frequently your property might be unoccupied or whether you want your personal possessions to be covered while you are away from home. 

~You can find out more about insuring high value items such as Jewellery.

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How do I add an optional extra, such as accidental damage, to my cover?

The insurance arranger will be happy to discuss the options with you, so that you can decide what cover you need. When you apply, just let them know which extras – if any – you want to include in your cover.

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What are 'hidden admin fees'?

'Hidden admin fees' can include adjustment fees, cancellation fees and duplicate document fees. Age Co Home Insurance have no fees for policy amendments, cancellations, and duplicate documents.

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What does Star rating mean?

It is important to base your financial decisions on the quality of a product - not just how much it costs. Star Ratings assess products based on the features and benefits they offer, helping you see at a glance where a product sits in the market. Age UK Home Insurance provides one of the highest quality policies in the market as indicated by a Defaqto 5 Star Rating.

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Who are Defaqto?

Defaqto are a leading independent UK financial researcher, specialising in analysing and comparing financial products such as insurance. They rate hundreds of insurance products, giving each a 1 to 5 rating based on quality and comprehensiveness of the features and benefits it offers. This may help you make a more informed decision about which one suits your needs. Defaqto are completely independent and unbiased and never knowingly exclude a product or policy from their Star Ratings.

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Get in touch

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Age Co Home Insurance are administered by Ageas Retail Limited and provided by a limited panel of insurers.^^
Age Co Home Emergency Cover is provided by AXA Assistance (UK) Ltd.

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 bought a Home Buildings & Contents policy between September 2019 and February 2020 paid £162.48 or less (includes insurance premium tax at the applicable rate).

** If you call the 0800 number, you will be dealing with Ageas Retail Limited.

^^ Details are available on request.

† On standard construction properties.

^ The UK based service team have been awarded the Feefo Platinum Trusted Service Award 2020.

Call lines open Mon-Fri: 8am to 8pm, 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.

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.

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