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 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.
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.
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 Name||Age Co Third Party, Fire and Theft||Age Co Comprehensive|
|Damage to your car||✓|
|Damaged windscreen and window glass||✓|
|Fire and theft||✓||✓|
|Personal accident and road rage||✓|
|Liabilities to third parties||✓||✓|
|Using the car abroad||✓||✓|
|Hotel and alternative travel costs||✓|
|No claims discount||✓||✓|
|No claims discount protection||✓ if eligible||✓ if eligible|
|Permanently fitted audio equipment||✓|
Age Co offers a range of optional extras that you can add to your policy to give you more peace of mind.
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.
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.
In Finder’s 2020 customer satisfaction awards, Age Co’s car insurance got 3.5 out of 5 stars, with 13% of customers saying they would recommend the service.
On customer review platform Trustpilot, Age Co as a company has 2.4 out of 5 stars and a rating of Poor, based on more than 10 reviews. Things are much brighter on Feefo, where Age Co has 4.6 out of 5 stars based on more than 700 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 27 April 2020).
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.
★★★★★ — Excellent
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