Age Co Car Insurance Review: Best Over 50s Cover?

Age Co Car Insurance Review: Best Over 50s Cover?

Age Co offers car insurance for the over 50s and is known for having good customer service. Not the cheapest in the market, but you might like that profits go to charity Age UK.

Good for

  • No admin/cancellation fee
  • Profits go to charity
  • Courtesy car with Comprehensive cover
  • European cover for up to 180 days a year
  • 5 Star Defaqto
  • Message Relay will pass messages to friends or family
  • No upper age limit

Bad for

  • Need to pay extra for Legal Protection and Breakdown
  • Customer service lines closed on Sundays

Editor's Rating

4.0/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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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 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.

Ratings
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.

chart showing how car insurance quotes depend on age
How Car Insurance Prices Change with Driver Age

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.

DiscountWho qualifies?
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 fullPaying your full premium at the start of the policy to avoid paying monthly at a representative 17.7% APR
Buy your policy earlyIf 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.

CoverSignificant limitationsComprehensiveTPFTTPO
Third party liability£20,000,000 limit for 3rd party property damageXXX
Cover when you drive in European UnionMax 180 days in any one policy yearXXX
Driving someone else's carThird Party cover only, for the policyholder and if recorded on the certificate of motor insuranceMaybe
Accidental or malicious damage to your own carCover up to the market value of your car (less excess)X
Damage to your car due to fire or theftCover up to the market value of your car (less excess)X
Audio, navigation, entertainment and telephone equipmentFor equipment permanently fitted to the carX
Personal belongingsUp to £300X
Damaged windows or windscreenLimit of £250 compensation if the approved glassline is not used. £50 replacement excess; no excess on repairs.X
Personal accident and road ragePolicyholder, spouse and civil partner: death or loss of sight or limb: £5,000X
Medical expensesUp to £500 per personX
Replacement locksUp to £500; £100 excessX
Trailer coverUp to £350; must be single axle and attachedX
Medical emergenciesWithin 24 hours of emergency occuringX
Fire and theftTheft or damage due to attempted theft or fireXX
Damage to the carFor example, due to collisionX
Hotel and alternative travel costsUp to £250 for onward travel and £75 per person for overnight accommodation if car not roadworthy after an accidentX
No claim discountXXX
No claim discount protectionif eligibleif eligibleif 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 Enquiries0800 085 3741
Customer Services0800 323 4437
Policy administration helpline0345 128 7915
24 Hour Helplines
Claims0345 6016687
Claims, calling from abroad+44 2380 621980
Windscreen claims0800 804 4030

Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.