Age Co is the commercial arm of Age UK, the UK’s largest charity dedicated to helping people in later life. It’s been providing services and support to older people since it was created in April 2009.
The organisation’s vision is to make the UK a great place for people to grow old in, and it provides free information and advice on a range of topics including money, wellbeing, care, travel and work. It also offers home insurance specifically tailored for over-50s.
Age Co’s home insurance policies offer cover for your home against certain risks. These include:
Full details are on the Age Co site, but here’s a breakdown of what’s covered in the buildings and contents policies, and optional extras are listed below our table.
What is covered? | Buildings | Contents |
|---|---|---|
| Property owner’s liability | ✓ | |
| Professional fees and costs for rebuilding or repairing buildings | ✓ | |
| Underground pipes, drains and cables | ✓ | |
| Glass and sanitaryware | ✓ | |
| Rent and alternative accommodation | ✓ | ✓ |
| Buyer’s cover | ✓ | |
| Protection during the sale of your home | ✓ | |
| Protection against damage caused by emergency services | ✓ | |
| Protection against squatters | ✓ | |
| Accidental loss of metered water or oil in domestic heating systems | ✓ | ✓ |
| Emergency unoccupancy | ✓ | ✓ |
| Replacement lock and keys | ✓ | ✓ |
| Compulsory evacuation alternative accommodation | ✓ | ✓ |
| Newly acquired fixtures | ✓ | |
| Accidental breakage to television sets, satellite receivers, radios, audio and video equipment | ✓ | |
| Accidental breakage in your home eg glass shelves, ceramic hobs and damage to food | ✓ | |
| Liability for domestic employees | ✓ | |
| Tenant’s liability | ✓ | |
| Contents temporarily removed | ✓ | |
| Household removal | ✓ | |
| Fatal injury | ✓ | |
| Wedding and civil partnership ceremony insurance | ✓ | |
| Shopping in transit | ✓ | |
| Tenant’s home improvements | ✓ | |
| Counselling fees | ✓ | |
| Garden cover | ✓ | |
| Jury service | ✓ | |
| Fraudulent use of credit cards | ✓ | |
| Medical equipment on loan | ✓ | |
| Carer’s contents | ✓ |
An excess is the monetary amount that you are required to contribute towards a claim. The following excesses are in addition to any other excess that is applicable. This information can be found in your policy schedule. Every incident requires the same amount of excess in the event of a claim apart from:
To make a claim, all you have to do is call the claims helpline, which will be shown on your policy schedule. The line is open 24 hours a day, 365 days a year. Age Co will confirm whether your policy covers for you for the incident. Ensure you have your policy details to hand when you call.
If you have home emergency cover, you can call 0144 444 2114.
To make a claim on your personal legal protection policy, you can call 0333 005 0353 and quote “Age Co personal legal protection”.
Finder scores, in blue, are based on our expert analysis of policies. We also show reviews from users, where we've received more than 10, 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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