Age UK (now Age Co) car insurance review

If you're looking for car insurance later on in life then Age Co may have a policy that suits you.

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Age Co Car Insurance

You never know what life will throw your way. That’s why it’s important to make sure you’re protected when you take a seat behind the wheel. Finding the right car insurance policy for you can give you peace of mind.

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.

Take a look at our guide to see if Age Co can provide the right car insurance for you.

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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Compare Age Co policies

Updated December 8th, 2019
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 180 days
Yes
N/A
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit
Up to 180 days
No
N/A
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit
Up to 180 days
No
N/A
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit

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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.

What are Age Co’s cover options?

Age Co offers three levels of cover and each includes different features as a standard.

Cover benefitsThird PartyThird Party, Fire and TheftComprehensive
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✓ 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 even more peace of mind.

  • Motor legal protection which covers legal costs in the event of an accident that isn’t your fault and where a third party can be identified to claim for uninsured losses and personal injuries.
  • Key protection which covers replacement keys and locks following loss or theft of car keys. It also includes other keys such as home or office keys.
  • Excess protection which reimburses you the excess you pay following a vehicle theft, fire or fault claim.

What are the benefits of an Age Co car insurance policy?

There is a range of benefits to choosing an Age Co car insurance policy including:

  • No upper age limits
  • No admin or cancellation fees
  • Access to a 24-hour accident helpline
  • With comprehensive cover, you receive a guaranteed courtesy car if your vehicle is being repaired following an incident
  • With comprehensive cover, they will provide a courtesy car for up to 14 days if your car is stolen and not recovered
  • Age Co’s ‘Message Relay Service’ gives you the option for a friend or family member to be contacted if you have an accident
  • With comprehensive cover only, their ‘Get You Home Service’ will make sure you arrive home or to your destination if your car isn’t roadworthy after an accident
  • Motor breakdown cover is available
  • European cover for up to 180 days a year

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 Age Co Claims Team on 03456016687, or +442380621980 if you are calling from abroad.

Age Co’s claims helpline is open 24 hours a day all year. 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.

What is my excess?

An excess is the amount of money you contribute when you make a claim. The amount of your excess will vary depending on the car that’s covered, its age and the 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.


The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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