Age Co / Age UK Car Insurance Review

James Rodriguez James Rodriguez updated on July 7, 2022

This is the ultimate review to guide you through Age Co / Age UK car insurance.

You might already know that Age Co / Age UK offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Age Co / Age UK the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Age Co / Age UK car policy terms and conditions and given our own ratings based on different criteria.

3,0 Safe overall rating for Age Co / Age UK

Our ratingOur opinion
Customer service & satisfaction

Message relay services to the families of the driver in the case of a breakdown
Customer service lines closed on Sundays
1.3 /5 based on 66 opinions on TrustPilot

Cover provided

Total loss courtesy car is provided as standard
£500 Medical expenses cover
European cover for up to 180 days
Lost key cover as standard
NCD protection

Value for money

No adjustment, duplicate document or cancellation fees is charged
Protected no claims discount option for those with at least 4 years of no claims
Cover for Legal Protection and Breakdown incurs extra charges

Financial strength for pay out

Strong financial capability


Most of the needed information can be found on the landing page of the website
Absence of technological advancements like Black box
Online policy renewal is not supported
Abscence of live bot

Safe rating for Age Co / Age UK

Expert and customer reviews on Age Co / Age UK

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Age Co / Age UK's reputation.

Review organisationConsumer satisfaction rates for Age Co / Age UK
Defaqto expert rating for Age Co / Age UK defaqto 5 stars
TrustPilot1,3 /5 based on 66 opinions
Consumer satisfaction rates on reviews for Age Co / Age UK

To check if Age Co / Age UK is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
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Our review on Age Co / Age UK car insurance policy

Age Co was founded in 2009 and the insurance policies offered are designed specifically for drivers above 50 years old. Age Co is the commercial arm of Age UK, the UK’s largest charity dedicated to helping people in later life.Three types of insurance policies are offered: TPO, TPFT and Comprehensive. Policies are underwritten by Ageas Insurance Ltd and Zenith Insurance
Among the key benefits of the comprehensive offer, you will get lost keys cover as well as NCD protection included as standard.

What does Age Co / Age UK car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Age Co / Age UK?

Car insurance policyAvailable at Age Co / Age UKCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Age Co / Age UK

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Age Co / Age UK explained in details

Let's find out what does Age Co / Age UK covers in its car insurance policy.

Breakdown cover at Age Co / Age UK

Age Co Motor Breakdown Insurance includes Roadside and Home service at a £69 per annum rate. It offers the following:

  • cover for people of any age
  • cover for vehicles under 11 years old (drivers with older vehicles would have to pay extra)
  • at home or roadside assistance
  • optional European cover available.

Keycare cover at Age Co / Age UK

This protection comes with £1,500 of cover, including VAT and other services such as:

  • one replacement and duplicate key for each key covered under a valid claim
  • 24/7 assistance
  • £75 a day for alternative means of transportation in the case that you are stranded as a result of a stolen or damaged key.

Windscreen cover at Age Co / Age UK

Age Co provides the unlimited windscreen cover in its comprehensive insurance policy and it includes the following:

  • cover for sun roof and hood mechanisms
  • cover for windows and windscreens unless made of glass.

Motor legal protection at Age Co / Age UK

Age Co provides Motor Legal Protection as an optional extra and the following are included in this option:

  • £100,000 of cover for legal costs if there is a 50% chance that the claim would be successful
  • any cost incurred before the insurance company takes charge would not be covered.

Personal policy injury available at Age Co / Age UK

The Personal policy cover that Age Co offers is available for the insured driver and his/her partner and it offers the following:

  • £5,000 in the case that the accident leads to death
  • £5,000 in the case that the accident leads to the loss or use of any limb
  • £5,000 in the case that the accident leads to the permanent loss of all sight in one or both eyes.

Coverage abroad at Age Co / Age UK

Abroad coverage is available under the comprehensive insurance policy and this coverage allows the holders to travel through Europe for 180 days. The list of countries includes:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at Age Co / Age UK

Age Co offers the courtesy car with the comprehensive cover and this provides a substitute car for the driver in the case of an accident or theft. The car is to be provided for 14 days.

No-Claim Bonus (NCB) at Age Co / Age UK

Protected No Claims Discount is given if you have at least four years No Claims Discount and have not made more than 1 fault claim in the past 3 years.

Claims made for windscreen repairs would not affect your No Claims Bonus.

At Age Co / Age UK, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claim in 3 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Age Co / Age UK car insurance terms and conditions

How much does Age Co / Age UK car insurance cost?

You'll find below indicative car insurance quotes at Age Co / Age UK:

Drivers'ageMonthly premium
18 years old£105,34
40 years old £43,44
60 years old£32,03
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Age Co / Age UK insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Age Co / Age UK?

Discounts and cashback vouchers are available at Age Co.

Discount typesComment
DiscountsWhen you pay the full premium as opposed to monthly installments, you get to save 17.7% APR on every renewal
Discounts and cashbacks available at Age Co / Age UK

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Age Co / Age UK car insurance policy summarized


At Age Co / Age UK
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£1,500
Personal belongings£300
Audio equipment


Medical expenses


Liability limit for property damage£20,000,000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

14 days

Coverage abroad

180 days

Guarantees at Age Co / Age UK


At Age Co / Age UK
Fire excess£500
Theft excess£500
Accidental damage excess£500
Windscreen replacement excessNo excess amount is required to make up for the unlimited services provided
Young driver excess


Excess at Age Co / Age UK

Admin fees

At Age Co / Age UK
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period: £0
Cancellation fees outside cooling off period: £0

Modification fees

Adjustment fee: £0

Admin fees at Age Co / Age UK

Other car insurance policies available at Age Co / Age UK

How to contact Age Co / Age UK auto insurance?

Age Co / Age UK phone numbers 

You will find all important phone numbers to contact Age Co / Age UK car insurance:

Contact numberOpening hours

Customer Service

0800 323 4437

Mon-Fri: 8am to 8pm
Sat: 9am to 1pm


0345 601 6687

Lines open 24/7

Accident helpline

0345 601 6687

Lines open 24/7


0345 128 7915.

Mon-Fri: 8am to 8pm
Sat: 9am to 1pm

Breakdown cover

0800 323 4438

24 hours a day

Contact numbers at Age Co / Age UK

Age Co / Age UK other contact details

You'll find below Age Co / Age UK main contact details:

Contact details of Age Co / Age UK
Email address

[email protected]

Customer account with Age Co / Age UK login


Social mediaFacebook. YouTube
Contact details at Age Co / Age UK

You can also contact them by mail by writing to Age Co / Age UK car insurance:

Age Co Car Insurance
Tavis House
United Kingdom

How to claim at Age Co / Age UK?

You can make a claim by calling Age UK's claims department.

ServiceCar claim
Claim by phone

0345 601 6687

Claim process at Age Co / Age UK

How to cancel your car insurance at Age Co / Age UK?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Age Co / Age UK as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Age Co / Age UK has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You can also write to Age Co / Age UK to cancel your car insurance policy:

Tavis House,
1-6 Tavistock Square,
London WC1H 9NA

You would need to have various documents ready such as:

Age Co / Age UK could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.