Age Co Home Insurance offers combined buildings and contents 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:
Please note, insurance for 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 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
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:
For full details, please refer to the policy and product information documents:
Home Insurance Policy Document
(viewable in pdf, file size 1 MB)
Buildings & Contents Cover Product Information Document
(viewable in pdf, file size 414 KB)
|Product Features||Age Co|
|Buildings Insurance||Up to £500,000||Up to £1,000,000||Up to £1,000,000||Unlimited|
|Min £40,000||Min £75,000||Min £75,000|
Information sourced on 17 July 2020 for new online policies from Defaqto Matrix.
See what is and isn't covered by Age Co's combined buildings and contents Home Insurance.
In addition to this summary of cover, please refer to the Home Insurance Policy Document for terms, conditions, limitations and exclusions and to the Buildings & Contents Cover Product Information Document for details specific to your quotation.
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|
|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%|
|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|
|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|
Loss or damage caused by weight of snow. Loss or damage to gates and fences caused by storm or flood.
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.
‡10% of all customers who bought a Home Buildings & Contents policy between May and October 2020 paid £165.37 or less (includes insurance premium tax at the applicable rate).
^The UK based service team have been awarded the Feefo Platinum Trusted Service Award 2020.
†On standard construction properties.
^^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.
^^^In the event of a change of circumstances, premium charges may apply.
*If you call the 0800 number, you will be dealing with Ageas Retail Limited.
Age Co Car, Breakdown and Home Insurance are arranged and administered by Ageas Retail Limited. Age Co Insurance Services is the trading name of Age UK Enterprises Limited, a trading subsidiary company of Age UK (registered charity no. 1128267). Age UK Enterprises Limited donates its net profit to Age UK. Both Age UK Enterprises Limited (Financial Services Register no. 311438) and Ageas Retail Limited (Financial Services Register no. 312468) are authorised and regulated by the Financial Conduct Authority. Age UK Enterprises Limited registered office: Tavis House, 1-6 Tavistock Square, London, WC1H 9NA (registered in England and Wales, number 3156159). Ageas Retail Limited registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA (registered in England and Wales, number 1324965).
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.
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.