Age Co

Age Co car insurance review (formerly Age UK)

Age Co specialises in car insurance for older drivers, who are considered a lower risk. Find out what's included in the cover and the pros and cons of the policy.

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Ronny Lavie

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3.6 ★★★★★ (159 reviews) Write a review

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★★★★★
Satisfaction survey
Customers reported good value and service.
May not be best suited to drivers under 50.

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. Find out what’s included and how easy it is to make a claim.

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 car insurance policies

1 - 3 of 3
Updated regularly
Name Product Courtesy car cover New car replacement EU Cover Personal accident cover Multi-car discount Link
Age Co Third Party
Age Co Third Party
cross
cross
No
No upper age limit
Age Co Fire and Theft
Age Co Fire and Theft
cross
cross
No
No upper age limit
Age Co Comprehensive
Age Co Comprehensive
tick
tick
Yes
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Finder's summary: 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).

Who it might be good for: Age Co policies are designed specifically with those aged over 50 in mind.
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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 cover✓
Medical expenses✓
Personal belongings✓
Liabilities to third parties✓✓
Using the car abroad✓✓
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.

Age Co car insurance customer reviews

Customers who took part in Finder’s 2023 customer satisfaction survey were incredibly positive about Age Co, with many highlighting its “good” customer service and reasonable rates.

One customer said, “Age Co has great staff that care for people, and they are easy to contact. I trust their service.”

Age Co received an overall customer satisfaction score of 3.5 out of 5, and 79% of customers would recommend the brand to a friend.

On customer review platform Trustpilot, Age Co as a company has 3.5 out of 5 stars and a rating of “Average”, based on more than 349 reviews. The helpful staff, easy-to-follow processes and good value were favourites with customers, whereas some complained of unexpected policy cancellations by the company and high quotes (updated August 2023).

Pros and cons for Age Co car insurance

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 car insurance 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.

If you have read this review and decided that Age Co is not for you, you can also compare other car insurance policies on the market.

Frequently asked questions

Car insurance scores

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★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

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