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

Age Co (Age UK) 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
  • Message Relay will pass messages to friends or family
  • High upper age limit (110 years)

Bad for

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

Editor's Rating


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 (Age UK) 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 probably 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. As always, we recommend comparing quotes with other insurance brands before you sign up. And you may want to read our related article, Should I buy specialist over 50s car insurance?

Targeted at 'mature' people, Age Co will insure those up to 110 years of age!

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 5,000 existing customers have previously rated Age Co on feefo, awarding them with a service rating of 4.4 out of 5 stars, but only 8 people have left a review in the past year. Around 400 have left reviews at Trustpilot, for a score of 4.0 out of 5.

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 LV= (a change from Ageas as of 28 February 2023), which is one of the biggest motor insurance companies in the UK. As a result, your cover ultimately lies with LV= when you take out an Age Co policy. In 2021 LV= received 456 general insurance complaints, putting its Insurance Complaints per 1,000 Policies in Force ratio at 1.74, the second best 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; S&P stated "capital is currently a key strength". LV= received a B rating from AKG and BBB+ from S&P (albeit with a negative outlook), which is the fourth highest rating available and places LV= as an "investment grade" credit risk.

Ratings (LV=)
FOS Complaint Ratio1.74

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 (e.g. 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%

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.

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.

Here's what's covered by their comprehensive policies:

CoverComprehensiveSignificant limitations
Liabilities to third partiesYes£20,000,000 limit for third party property damage.
Courtesy carYesGuaranteed when your car is with their recommended repairer service until it’s fixed or, if your car is a total loss, up to 21 days or until 4 days after payment has been given to you, whichever is soonest
Use of your car in the European UnionNoIt seems this was removed from cover as it's no longer mentioned in the policy wording.
Driving a car that does not belong to youYes. In some circumstances.Cover only applies for the policyholder and if shown on the certificate of motor insurance. Cover is Third Party only.
Damage to own car by accident, fire or theftYesMarket value. Subject to excesses.
In car equipment (e.g. stereo, nav, etc.)Yes£1000 or Unlimited if it was part of the standard specification when first registered.
Personal belongingsYesUp to £300.
Damaged windows or windscreenYesCover is limited after the deduction of the excess if the approved glassline is not used.
Personal accidentYes£10,000 or £100,000
Medical expensesYesUp to £250 each person.

Optional Extras

  • Motor legal protection
  • Excess protection

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
Erin Yurday

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.


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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