Age UK car insurance review (now Age Co)

Age Co specialises in car insurance for older drivers, who are considered a lower risk.

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Age Co Car Insurance

Once you hit 50, you’re less likely to pretend you’re Lewis Hamilton when on the road – at least that’s what insurance companies are banking on.

Age Co policies are designed specifically with those aged over 50 in mind. There are three levels of cover and a range of optional extras, so you can tailor your car insurance policy and pay only for features you want.

Age Co car insurance

Age Co car insurance benefits

  • Defaqto 5-star car insurance
  • No-claims protection as standard
  • No upper age limit
  • 180 days of European cover
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Who is Age Co?

Age Co is the commercial arm of Age UK, the UK’s largest charity dedicated to helping people in later life. Created in April 2009, Age UK provides free information and advice on a range of topics including money, wellbeing, care, travel and work. Through Age Co, it also offers car insurance designed for the over-50s.

Who underwrites Age Co’s car insurance?

Age Co car insurance policies are underwritten by Ageas Retail Ltd, an established international insurance group.

More details can be found in the Age Co car insurance policy document on its website.

Compare Age Co policies

Updated January 27th, 2020
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Age Co Comprehensive
Age Co Comprehensive
Up to 180 days
Yes
N/A
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit
Age Co Fire and Theft
Age Co Fire and Theft
Up to 180 days
No
N/A
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit
Age Co Third Party
Age Co Third Party
Up to 180 days
No
N/A
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit

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What are Age Co’s cover options?

Age Co offers three levels of cover.

If you’re not worried about any damage to your own car and just want to be protected against harming other people or their property, you can opt for third party only cover. With Age Co, as well as third party liability, this cover includes using the car abroad, a no claims discount and no claims discount protection (if eligible).

If you would like a higher level of cover, you can choose from the two options below:

Product NameAge Co Third Party, Fire and TheftAge Co Comprehensive
Damage to your car
Damaged windscreen and window glass
Fire and theft
Personal accident and road rage
Medical expenses
Personal belongings
Liabilities to third parties
Using the car abroad
Hotel and alternative travel costs
No claims discount
No claims discount protection✓ if eligible✓ if eligible
Replacement locks
Permanently fitted audio equipment

What optional extras can I add to my policy?

Age Co offers a range of optional extras that you can add to your policy to give you more peace of mind.

  • Motor legal protection. Covers legal costs in the event of an accident that wasn’t your fault (where a third party can be identified to claim for uninsured losses and personal injuries).
  • Key protection. Covers replacement keys and locks following loss or theft of your car keys. This includes other keys, such as home or office.
  • Excess protection. Reimburses you the excess you pay following a car insurance claim.

What is my excess?

An excess is the amount of money you contribute when you make a claim. Your excess amount is influenced by a number of personal factors, like the age and model of your car and the level of experience of the drivers on your policy.

If more than one excess applies, they will be added together.

Full details on your policy excess will be in your policy schedule.

What is the claims process for Age Co?

If you need to make a claim on your Age Co car insurance policy, you can contact the company’s claims team on 03456016687, or +442380621980 if you are calling from abroad.

Age Co’s claims helpline is open 24/7. The claims team will be able to tell you whether your policy covers you for the incident.

Make sure you have your certificate of motor insurance and details of the incident to hand when you call.

Pros and cons for the Age Co

Pros

  • No upper age limits
  • Access to a 24-hour accident helpline
  • Age Co’s Message Relay service gives you the option for a friend or family member to be contacted if you have an accident

Cons

  • Key protection requires an extra premium
  • Medical emergencies must be reported within 24 hours to be covered
  • Might not provide the best cover for younger drivers

Verdict

If you’re a driver aged over 50, it’s worth checking Age Co. Unlike most insurers, Age Co doesn’t have an upper age limit and its comprehensive policy includes a lot of helpful benefits, such as a courtesy car and the Get You Home service (which ensures you arrive home or to your destination if your car isn’t roadworthy after an accident).

For drivers under 50 and particularly very young or new drivers, Age Co may not be the best option, as it is specifically tailored to older customers. That said, everyone’s circumstance is different, so you could still benefit from getting a quote.


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