Age Co / Age UK Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Age Co / Age UK is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Age Co / Age UK home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Age Co / Age UK the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Age Co / Age UK’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,4 Safe overall rating for Age Co / Age UK

Safe ratingOur opinion
Customer service & satisfaction
and claims

Over 50s home insurance specialist
5 stars Defaqto rating
UK-based call centre won platinum service truster award by Feefoo in 2020
High customer reviews

Cover provided for your home

Up to £100 000 alternative accommodation
 Wide range of optional extras
Max building sum insured of £500 000
Max contents sum insured of £60 000
Blockage of sewer pipe not covered in building insurance

Value for money

Rates affordable (10% of customers paid
NCD available
No hidden admin fees
Switching fees refund of £55
Possibility to pay higher excess to reduce premiums
Charges on monthly payment

Financial strength

Administered by Ageas Retail Limited
Underwritten by a Ageas Insurance Ltd and Prestige Underwriting Services Ltd
Home emergency provided by Axa (UK) Ltd

Technology

Customer portal available
No claim form available online
No livebot option

Safe rating for Age Co / Age UK home insurance

Expert and customer satisfaction reviews for Age Co / Age UK home insurance

Review organisationAge Co / Age UK home insurance reviews

Defaqto expert
defaqto 5 stars
Feefo4,6/5 based on 182 opinions
Which? Score

70% for building insurance
66% for contents insurance

Consumer satisfaction rates on reviews for Age Co / Age UK home insurance

Our general opinion on Age Co / Age UK home insurance

Age Co (formerly Age UK) is specialized in providing over 50s insurance product as well as stairlifts, legal services, funeral plans etc. The company is now the largest charity dedicated to seniors. As over 50 people are known to often be wiser and more careful, they can usually benefit from cheaper rates and great NCD benefits. However, anyone, including people below 50 can still subscribe to home insurance policy at Age Co.

Age Co offers one level of cover for home insurance rated 5 stars by Defaqto. The building insurance covers up to £100 000 for alternative accommodation and £500 000 for claims linked to trace and access. Blockage of sewer pipe are however not covered as standard. The contents insurance covers cash up to £500 and credit card up to £1000. The maximum claim limit for single valuable item is quite low though, £2000.

You will get access to additional benefits such as:

  • identity theft advice: advice and guidance fees if you are victim of theft
  • optional higher excess: you can choose to add, in addition to the standard £45 excess, £50, £100 or £250 to pay lower premiums
  • legal helpline available 24/7
  • 24/7 Domestic assistance service: help from authorized contractor in case of home emergency, 100% handled by Arc Legal Assistance Ltd.

Age Co has great customer reviews and the customer service has been awarded for its excellence. The claim process is known to be prompt and efficient, although there is no claim form available online.

What does Age Co / Age UK home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Age Co / Age UK will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Age Co / Age UK covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Age Co / Age UK buildings and contents insurance

Age Co / Age UK provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Age Co / Age UK building insuranceLimits
Maximum sum insured

£500 000

Owner liability

£2 000 000

Alternative emergency accomodation

£100 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Not covered

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

As standard

Keys cover

£500 000

Flood and storm damage (except for fences)

As standard

Age Co / Age UK building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£60 000

Owner liability

£2 000 000

Alternative emergency accomodation

£12 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

£600

Contents kept in outbuildings (garage included)

Up to £60 000

Thefts from outbuildings

£2 500

Single item limit for valuables

£2 000

Items temporarily removed from home

£12 000

Money in and outside the homeInside:

£500


Outside:

£500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

£1 000


Outside:

£1 000 (under personal possessions cover – optional extra)

Business equipment kept at home

£5 000

Student equipment

£12 000

Keys cover

£500 000

Age Co / Age UK contents insurance

Age Co / Age UK home insurance additional cover

On top of your Age Co / Age UK buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £500 per call out
  • Up to £250 for emergency accommodation (1 night)
Boiler cover
  • Part of the home emergency optional extra
  • Up to £500 for boiler repair
  • Boiler replacement not covered
Legal protection
  • Optional extra
  • Up to £100 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Limit for personal possessions cover at home varies depending on the underwriter
  • Limit for personal possessions cover at home varies depending on the underwriter
  • Up to £1 000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £300 limit
Bicycle cover
  • Optional extra
  • Limit varies depending on the underwriter

Age Co / Age UK home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£45
Excess for escape water claims£250
Excess for subsidence claims£1 000
Excess for personal possessions£45
Excess for keys£45
Age Co / Age UK home insurance main excess

Age Co / Age UK home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Age Co / Age UK fees are as follows:

Fees applied to manage your Age Co / Age UKhouse policy
Interests on payment installments17,50%
To renew my policy£0
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£0
For payment default£0
To switch from one insurer to Age Co / Age UK£55
Home insurance fees at Age Co / Age UK

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

You will below indicative quotes for building and contents insurance at Age Co / Age UK:

Building insuranceContents insurance
Excess£45£45
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£167,33£328,33
Home insurance quotes at Age Co / Age UK

It is very difficult to give a precise range of how much exactly will your home insurance cost at Age Co / Age UK as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Age Co / Age UK will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Age Co / Age UK home insurance discounts available

No discount available.

How do I a claim on Age Co / Age UK home insurance?

To report a claim at Age co / Age UK, you must first know who your underwriter is consulting your policy schedule.
You can then contact one of the two 24/7 claims helpline. If you don’t know, just call Age Co administration helpline at the number provided below.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Age Co / Age UK home insurance?
Claim by phone

Depending on the underwriter you must call:

  • Ageas Insurance Limited: 0345 602 5273 (24/7)
  • Underwriting Services Limited: 0800 028 5273 (24/7)

If you don’t know: 0345 128 7916 (Mon-Fri: 8am to 8pm, Sat: 9am to 1pm.)

How to claim on my home insurance at Age Co / Age UK

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Age Co / Age UK house insurance?

To cancel your Age Co / Age UK house insurance, here is what you need to know: 

Cancelling your home insurance at Age Co / Age UK
Cancellation notice if Age Co / Age UK cancel your policy7 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £0
Cancel by mail

Ageas House,
Hampshire Corporate Park,
Templars Way, Eastleigh,
Hampshire, SO53 3YA.

Cancel by phone

0800 028 7601

How to cancel my Age Co / Age UK home insurance

How to contact Age Co / Age UK home insurance?

ServicesPhone numbersOpening hours
Claim for policies underwritten by Ageas Insurance Limited

0345 602 5273

24/7

Claim for policies underwritten by Prestige Underwriting Services Limited

0800 028 5273

24/7

Legal Protection claim

0333 005 0353

24/7

Home emergency cover

0800 952 3189

24/7

Quotes

0800 028 7601

Mon-Fri: 8:30am to 6pm
Sat: 9am to 1pm.

How to contact Age Co / Age UK home insurance

Age Co / Age UK home insurance contact details

Age Co / Age UK contact details
Age Co / Age UK address

Ageas House,
Hampshire Corporate Park,
Templars Way, Eastleigh,
Hampshire, SO53 3YA.

Customer service email

Not available

Chatbot available

Not available

Age Co / Age UK contact details

How do I log in to Age Co / Age UK customer portal?

You can log in to your customer portal on the website to access and manage your policy documents through this link:
https://myinsurance.ageuk.org.uk/ageuk/portal/default/pc/portalrecall.page

How do I get Age Co / Age UK home insurance quotes? 

To get a quote online at Age Co / Age UK, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Age Co / Age UK is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Age Co / Age UK home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Age Co / Age UK house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.