Who is Age Co
Age Co is the brand name that Age UK and its trading companies have developed for the sale of financial services and independent living products. The products sold under the Age Co brand include car insurance and home insurance. The Age Co brand has been designed to provide a clear distinction between the charitable work of Age UK and the commercial products and services that are sold under the Age Co brand. Everything sold under the Age Co brand helps raise funds to support Age UK.
Age Co car insurance policies
Age Co car insurance is available to applicants over the age of 50 with third party, third party fire and theft and comprehensive policies available. Although all applicants must be 50 years of age or over younger drivers may be added to the policy. There is no upper age limit for the Age Co car insurance policy providing you are deemed safe to drive by the DVLA and medical practitioners. All Age Co car insurance policies are underwritten by Ageas Insurance Limited.
Age Co car insurance benefits explained
Protected No Claims Discount (NCD)
Protected NCD is included as standard and allows up to two claims in three years without affecting your discount. To qualify for this discount you must have at least 4 years proof of NCD and have made no more than 1 fault claim in the past 3 years.
Guaranteed courtesy car
A courtesy car will be provided to keep you mobile while your car is being repaired by an approved repairer in the UK. A courtesy car will be provided for 14 days if the car is a write-off or stolen and not found.
Windscreen and window cover
Damage to the windscreen and windows is covered and will not affect your NCD. If the windscreen is replaced then an excess of £50 is applied, this excess is waived if the windscreen can be repaired.
Personal belongings cover
Cover for personal belongings carried in the car up to the value of £300.
Audio/visual cover
Unlimited cover for audio and visual equipment permanently fitted in the car.
Onward travel
If your car is not roadworthy after an accident, the policyholder will be provided with assistance in getting to their home up to a cost of £250. Up to £75 per person is provided for any overnight accommodation required.
EU cover
Up to 180 days cover for travel in the EU providing the same level of cover you have in the UK.
Personal accident cover
The policyholder, spouse and civil partner are covered for death (£5,000) and loss of sight (£5,000).
Medical expenses
Up to £500 per person to cover medical expenses incurred following an accident.
Replacement car keys
Up to £500 for the cost of replacing lost keys after the deduction of £100 excess
Legal protection
Provided as an optional extra, up to £100,000 of legal costs can be covered on a claim for uninsured losses and personal injuries. There must be more than a 50% chance of success before any claim can be pursued.
Vandalism cover
Cover provided if your car suffers malicious damage subject to any policy excess.
Message Relay Service
Age Co 'Message Relay Service' is an optional service that ensures that a friend or relative is contacted should you have an accident.
How do Age Co extra benefits compare with other insurers?
| Age Co | Saga | LV= | RAC | |
| Guaranteed courtesy car |  |
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£9.90 for small hatchback, £29.90 for similar car to own | |
| Transport after accident | |
Included with Saga Plus cover |  |
Comprehensive Plus only |
| No Claims Discount protection | Included at no extra charge | |
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| Breakdown cover | From £69 p.a. | Discounted price | From £26 p.a. | From £19.99 p.a. |
| Motor legal protection (£100,000) | £22 p.a. | Included in Saga Plus cover | From £25.99 p.a. | Free first 12 months then £15 p.a. |
| Multi-car discount | |
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| Black box available | |
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| Admin fee for policy amendments | No fee | No fee | £15 | No fee |
| Available on comparison sites | |
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How to make a claim with Age Co car insurance
To make a claim on an Age Co car insurance policy phone the 24-hour claims helpline on 0345 601 6687 or +44 2380 621980 if calling from abroad.
When making a claim you should try to have the following information to help your claim to be administered quickly.
- Your policy number and documents.
- Your vehicle registration number.
- Details of what happened and when.
- Details of any other vehicles, people or property involved.
- Contact details for any witnesses.
- Crime reference number, if applicable.
Age Co customer reviews
Age Co is rated as 3.8 out of 5.0 by independent review site Trustpilot but has a higher rating of 4.6 out of 5.0 by Feefo. Customers rated the application process, both online and by phone, as simple and state that the staff are helpful in solving any queries.
Which? rated Age Co car insurance 7th out of 16 providers overall and a policy score of 76% which placed them 3rd out of 41 policies analysed.
Summary
Age Co car insurance is aimed at customers over the age of 50 but a younger driver can be included on a policy as an additional driver. Age Co car insurance has no admin fees and no excess on claims for accidental damage and NCD protection is included as standard, however breakdown cover - if selected - can be more expensive than many other providers.
