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.
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 UK is not for you, you can also compare other car insurance policies on the market.
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
Age Co policies are designed specifically with those aged over 50 in mind. There are 3 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.
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 have 2 different underwriters.
For policies purchased on or after 28 February 2023, cover is provided and underwritten by Liverpool Victoria Insurance Company Limited.
For policies purchased before 22 February 2023, it is arranged and administered by Ageas Retail Limited.
What’s covered under my policy?
Age Co offers 3 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 2 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 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
✓
Optional extras
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 are Age Co’s different policies?
This is the legal minimum and only covers injury and vehicle damage to the other party if you are involved in an accident that is deemed your fault. That means it doesn’t include cover for any damage to your car.
A step up from Third Party cover, it protects your car from damage caused by fire, theft and attempted theft as well as claims from a third party if you’re involved in an accident.
Comprehensive is the highest level of car insurance cover. It includes everything from third party, fire and theft and covers the cost of repairing or replacing your car if it’s vandalised or involved in an accident. Age Co’s policy includes cover for windscreens, replacement locks and personal belongings.
How do I make a claim?
If you purchased a new car insurance policy on or after 28 February 2023, that means your insurance is provided by LV=. You need to call 0330 678 5000 to make a new claim.
If you purchased your policy on or before 22 February 2023, your insurance is provided by Ageas. To make a new claim you need to call 0330 678 5550.
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. 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 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 4.3 out of 5 stars and a rating of “Excellent”, based on 428 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 May 2024).
How to cancel Age Co car insurance
To cancel your policy you need to call 0330 678 5226 if you purchased your policy after 22 February 2023 or 0345 128 7915 if you purchased it before that date.
If you cancel within 14 days of receiving your documents, there’s no cancellation fee. You’ll get a refund for any money you’ve paid, minus the cost of the cover you’ve had. If you cancel before your policy starts, no charges will be made. If it’s after 14 days and you haven’t made a claim, you’ll get a refund minus the cost of the cover you’ve already had and pay a cancellation charge of £40.
Frequently asked questions
Age UK is a nationwide organisation and charity. Age Co is the commercial arm of Age UK, meaning it allows certain third-party providers to use that name to sell various products (like insurance), as long as they adhere to specific standards of service. Money raised through the sale of Age Co products gets donated to Age UK each year.
Yes, you have the choice of paying for your Age Co policy in full or by monthly direct debit payments. Note that interest applies to monthly payments.
Yes, Age Co provides cover in Europe for up to 180 days in the year. Note the cover will be third party only (even of you have comprehensive cover for your own car).
You can call 0330 678 5226 if you have an existing policy and want to find out the details.
Lines are open Monday to Friday from 8am to 8pm, Saturday from 9am to 5pm, Sunday from 9am to 5pm and bank holidays from 9am to 5pm.
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Ronny Lavie was a deputy editor at Finder, specialising in insurance content. She has almost a decade of experience writing about financial topics, including five months spent as the interim managing editor for the Fintech Times newspaper. Ronny has a Master of Arts in Creative Writing from London Middlesex University. See full bio
Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio
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