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Age Co car insurance is targeted at over 50s and offers some interesting features sought after by this age group such as notifying friends and family if you have an accident and not charging for admin changes to your policy. Customer service satisfaction is well above average for a car insurance company. In this review we assess Age Co on its affordability, customer experiences, coverage and features to see how it compares to others.
In This Review
- Age Co Car Insurance: Overall Review
- Age Co Car Insurance Customer Reviews and Ratings
- Cost Comparison and Discounts
- Policy and Coverage Options
Age Co Car Insurance Overall Review
Age Co car insurance can be an interesting option to consider for car insurance if you're over the age of 50—if the price point is right for you. While they won't be the cheapest quote you find, they are unique: besides being aimed at the over 50s, profits go to charity (Age UK). Ago Co products were previously sold under the name Age UK—a name you might be more familiar with.
Reasons to choose Age Co for your car cover include no hidden administrative fees (e.g., to cancel or add a driver), longer European cover for extended trips, a Message Relay system to notify friends or family if you have an accident, allowing someone else to drive your car in an emergency (e.g., to A&E), a courtesy car if you have Comprehensive cover and 5 Star Defaqto rated policies. As always, we recommend comparing prices with other insurance brands before you sign up.
Age Co Car Insurance Customer Service Reviews and Ratings
Age Co has some of the better customer service ratings we've seen for a car insurance company. Over 800 existing customers have rated Age Co 4.6 out of 5 stars on feefo. The relatively few one-star reviews were mostly from people who have had an accident in the past and were asked for an extra premium post sale because of this accident. If you've had an accident in the past 5 years this could affect you.
Age Co is underwritten by Ageas, which is one of the biggest motor insurance companies in the UK. As a result, your cover ultimately lies with Ageas when you take out an Age Co policy. In 2018 Ageas received 1,376 general insurance complaints on £1,320 million of general insurance premiums written Financial Ombudsman Service (FOS), putting its complaint ratio at 2.08, which is worse than average amongst its peers.
Finally, Age Co customers shouldn't have to worry about their insurer's ability to pay out in the event of a claim. Ageas received an A rating from Fitch Ratings, which is the third highest rating available and places Ageas as an "investment grade" credit risk.
|Fitch financial strength rating (Ageas)||A|
|feefo customer service rating (Age Co)||4.6 out of 5|
|FOS Complaint Ratio (Ageas)||2.08|
Age Co Car Insurance Quote Comparison
Age Co is not going to be the cheapest plan you can find. They don't aim to be the cheapest; they aim to offer good value. As always, we always recommend checking prices with more than one insurance company before you sign up. To get an idea of how car insurance prices change depending on your age, see the chart below.
Age Co Car Insurance Discounts
The ways you can save on your Age Co auto cover are similar to car insurance discounts typically offered by other insurers. These include discounts for driving safely, not claiming and paying in full at the beginning of your policy.
|No Claims Discount (NCD)||Each year you don't make a claim should increase the discount you receive, up to a point (typically 5 - 7 years)|
|Pay in full||Paying your full premium at the start of the policy to avoid paying monthly at a representative 17.7% APR|
|Buy your policy early||If possible, arrange your policy up to 3 weeks ahead of the start date to save up to 50%|
Drivers with at least four years No Claims Discount who have not made more than 1 fault claim in the past 3 years will automatically have their No Claims Discount protected. This means you can have up to two claims in three years without affecting your No Claims Discount. (That doesn't mean your premium won't go up, however.)
Age Co Auto Insurance Policies
Age Co offers the three types of car insurance to its customers: Third Party Only (TPO), Third Party, Fire and Theft (TPFT) and Comprehensive. All levels include required-by-law third party cover for damage to other people and/or their property. TPO policies don't cover anything else. One level up, TPFT policies will cover theft or damage to your car due to fire or attempted theft.
Drivers looking for the broadest cover (e.g., cover for collision damage to their own car or person) should consider Age Co's Comprehensive plan. In addition to covering damage to your car, Age Co's Comprehensive plan includes coverage such as windscreen cover, personal belongings, personal injury/accident cover and a courtesy car as standard.
|Third party liability||£20,000,000 limit for 3rd party property damage||X||X||X|
|Cover when you drive in European Union||Max 180 days in any one policy year||X||X||X|
|Driving someone else's car||Third Party cover only, for the policyholder and if recorded on the certificate of motor insurance||Maybe|
|Accidental or malicious damage to your own car||Cover up to the market value of your car (less excess)||X|
|Damage to your car due to fire or theft||Cover up to the market value of your car (less excess)||X|
|Audio, navigation, entertainment and telephone equipment||For equipment permanently fitted to the car||X|
|Personal belongings||Up to £300||X|
|Damaged windows or windscreen||Limit of £250 compensation if the approved glassline is not used. £50 replacement excess; no excess on repairs.||X|
|Personal accident and road rage||Policyholder, spouse and civil partner: death or loss of sight or limb: £5,000||X|
|Medical expenses||Up to £500 per person||X|
|Replacement locks||Up to £500; £100 excess||X|
|Trailer cover||Up to £350; must be single axle and attached||X|
|Medical emergencies||Within 24 hours of emergency occuring||X|
|Fire and theft||Theft or damage due to attempted theft or fire||X||X|
|Damage to the car||For example, due to collision||X|
|Hotel and alternative travel costs||Up to £250 for onward travel and £75 per person for overnight accommodation if car not roadworthy after an accident||X|
|No claim discount||X||X||X|
|No claim discount protection||if eligible||if eligible||if eligible|
Comprehensive cover is the "best" type of car insurance because it also provides protection for damage to you or your car in a collision. Comprehensive plans, whilst offering more cover, are not necessarily much more expensive than TPFT or TPO plans. Besides, if your car is damaged in a collision the cost of insurance will have been well worth it.
Important Age Co Car Insurance Phone Numbers
Age Co customer service is open 6 days a week: Mon-Fri 8am to 8pm and Saturdays 9am to 1pm. They're not open on Sundays to discuss quotes, admin changes or other customer service enquiries. Of course, you can call the claims lines 24 hours a day. There is no live chat feature available online.
|Bell Insurance Contact Numbers|
|General Enquiries||0800 085 3741|
|Customer Services||0800 323 4437|
|Policy administration helpline||0345 128 7915|
|24 Hour Helplines|
|Claims, calling from abroad||+44 2380 621980|
|Windscreen claims||0800 804 4030|