Car Insurance

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Age UK Car Insurance is provided by Ageas Insurance Limited.

Age UK Car Insurance is designed specifically for the over 50s. It has no upper age limit and is designed for older drivers

Taking out your car insurance has got to be the best online experience I have had in years. Excellent service, brilliant value, all easy to read and use!
Mrs Speak | Leeds

At any age, taking out car insurance is of the utmost importance. Why not see if Age UK Car Insurance could be right for you? As we get older, our cars might stay the same but our car insurance policies may need to change. And this is a good thing!

Age UK Car Insurance offers:

  • Pay monthly at no extra cost (0% APR Representative)
  • No upper age limit – you can get motor insurance if you are over 50, 60, 70, 80 or even 90 years old
  • No hidden admin fees
  • Guaranteed courtesy car - for an unlimited amount of time whilst your car is being repaired by an approved repairer if you have comprehensive cover
  • Award-winning insurer †
  • 24-hour accident helpline

And there's more:

  • Protected No Claim Discount option (if you have at least 4 years No Claim Discount)
  • Message relay service - a friend or relative can be contacted so they are aware of your situation if you have an accident
  • Get you Home Service** - if your car is not roadworthy after an accident, this motor insurance can make arrangements to get you home or to your planned destination
  • Unlimited windscreen cover**
  • Cover for permanently fitted audio equipment
  • European cover for up to 180 days per year
  • Optional motor legal protection cover
  • We also offer motor breakdown cover provided by Aria Insurance Services Limited.

Compare Age UK Car Insurance with other policies

Compare Age UK Car Insurance with other comprehensive policies

Age UK over 50s car insurance offers you both protection and peace of mind. We pride ourselves on offering many quality benefits. Catering specifically for the over 50s, Age UK car insurance takes into account the concerns and needs of those later in life. With no hidden admin charges and absolutely no upper age limit, you can rely on Age UK Car Insurance.

Additional fees

Age UK

Admiral

AA

Tesco

Instalment charge
(APR representative)
0%
(APR representative)
21.9%
(APR representative)
26.9%
(APR representative)
29.9% (APR representative)
Amendment fees £0
per amendment
Up to £19.50
per amendment
Up to £25 per amendment £20 per amendment
Loss of keys Included up to £500 Available at an additional charge Included up to £1000 Available at an additional charge
180 days of European cover at no extra cost Yes (180 days) No (max cover 90 days) No (max cover 90 days) No (max cover 90 days)

Information sourced in December 2014 for new online policies, using www.moneysupermarket.com

Summary of cover

Age UK Car Insurance includes the following features and benefits 

Summary of cover

In addition to this summary of cover, please refer to the policy booklet for terms, conditions, limitations and exclusions. 

Cover

Comprehensive

Third party, Fire & Theft

Third party only

Significant limitations

Liabilities to third parties Yes Yes Yes £20,000,000 limit for third party property damage.
Use of your car in EU Yes Yes Yes Maximum 180 days in any one period of insurance.
Driving a car that does not belong to you Yes Yes Yes Cover only applies for the policyholder and if shown on the certificate of motor insurance. Cover is Third Party only.
Accidental damage to your own car Yes No No Market value. Subject to excesses. Additional excesses for young or inexperienced drivers. New car replacement.
Damage to own car by fire or theft Yes Yes No Market value. £100 excess. New car replacement.
Audio, navigation, entertainment and telephone equipment Yes Yes No Cover only applies to equipment permanently fitted to the car.
Personal belongings Yes No No Up to £300.
Broken windows or windscreen Yes No No £50 replacement excess. £100 limit if Age UK approved glassline is not used.
Personal accident and road rage Yes No No Policyholder, spouse and civil partner: death £5,000; loss of sight or limb £5,000.
Medical expenses Yes No No Up to £500 each person.
Replacement locks Yes No No

£100 excess.

Up to £500.

Trailer cover Yes Yes No Up to £250 if single-axle and attached.
Medical emergencies Yes Yes Yes Within 24 hours of emergency occuring.

Cover

Significant exclusions and limitations

Loss of, or damage to, car and personal belongings

All loss or damage when no one is in the car unless all its doors and windows are closed and locked.

All loss or damage when no one is in the car, unless all keys or devices used to lock the car are removed from it.

Loss of, or damage to the car

Extra costs due to parts or replacements not being available in the UK.

Caused by a person known to you taking the car without your permission.

Caused by deception.

New car replacement for cars up to 1 year old and you must be the first and only registered keeper.

Driving a car that does not belong to you Use outside UK. A car registered outside the UK. If your car is disposed of or damaged beyond economical repair.
Audio, navigation, entertainment and telephone equipment

All loss or damage when no one is in the car unless all its doors and windows are closed and locked.

All loss or damage when no one is in the car unless all keys or devices used to lock the car are removed from it.

Personal belongings Money, business goods and telephones.
Broken windscreen and window glass Sunroof and hood mechanisms. Window and windscreens unless made of glass
Personal accident Suicide. Failure to wear seat belt. If driving with excess drink/drugs.
Trailer cover Caravans, trailer tents, horseboxes, vehicle transporters, tipping trailers and food bars. No cover if unattached.
Medical emergencies Drivers under 25 and inexperienced drivers.

Please download our policy document below to see full terms & conditions.

Download the car insurance policy booklet (PDF 848 KB)

How to buy

To get a no-obligation over 50s Car Insurance quote, you will need to tell us the following information:

Your Vehicle:

  • Your vehicle registration number
  • The make of your vehicle (manufacturer)
  • The model and year of your vehicle's manufacture
  • Annual mileage - an estimate
  • Your vehicle’s value - estimated

Your Details:

  • Your full name and address (including postcode)
  • The full address and postcode of where the vehicle is kept if different from the above.
  • The name of the main driver
  • The main driver's date of birth
  • The main driver's occupation
  • What type of licence does the main driver hold?
  • How many years has the main driver held his/her licence?
  • The name, date of birth and occupation of any additional drivers - if there are any?
  • Does the additional driver have a full or provisional driver's licence?
  • For how many years has the additional driver held his/her licence?
  • Driving conviction details (stating the month and year) for the last 5 years for all drivers
  • Details of all motor claims by all drivers in the last 5 years
  • The number of years No Claims Discount you have accumulated (if any)
  • Desired starting date of the motor insurance policy.

FAQs

Below are a few of the questions our customers often ask.

Q. How can I pay – annually or in interest-free monthly instalments?
Q. Who is eligible for Age UK Car Insurance?
Q. Can young drivers be included on the policy?

Q. What is 'No-Claims Discount'?
Q. Can I protect my no-claims discount?
Q. What do I do if I have an accident?
Q. Will I get a courtesy car during repairs?
Q. Are the repairs guaranteed?
Q. Will I have to pay any additional charges or fees once I have paid the premium?
Q. What are 'hidden admin fees'?
Q. Is Motor legal protection cover available?

 

Q. How can I pay – annually or in interest-free monthly instalments?

A. You can pay in full by credit or debit card, by cash, cheque or postal order, or pay by interest-free monthly instalments (0% APR Representative).

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Q. Who is eligible for Age UK Car Insurance? Can young drivers be included on the policy?

A. Although this is an over 50s car insurance, there is no age restriction for other named drivers, subject to acceptance by the insurer.

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Q. What is 'No-Claims Discount'?

A. This is a discount on your car insurance premium. You can receive this if you have not made any claims against your policy, or if you have made a claim and your insurer has made a full recovery of costs from the Third Party. This discount grows with time based on the number of years you have been claims free. The maximum discount is 65% for four or more years claims free.

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Q. Can I protect my no-claims discount?

A. Yes. Providing you have at least four years no-claims discount and no more than one 'fault' claim in the last 3 years, you can protect this on payment of an additional premium.

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Q. What do I do if I have an accident?

A. Simply call the accident helpline, which is open 24 hours, 365 days a year. Friendly staff will do all they can to help you avoid any further stress or worry.

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Q. Will I get a courtesy car during repairs?

A. Yes. As long as you have comprehensive cover, the insurer, Ageas Insurance Limited, will provide a courtesy car in the event of an accident or when recovered damaged following a theft, whilst repairs are being carried out by an approved Ageas repairer.

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Q. Are the repairs guaranteed?

A. All repairs are guaranteed for up to three years, provided that they are carried out by one of the insurer’s approved repairers.

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Q. Will I have to pay any additional charges or fees once I have paid the premium?

A. There are no hidden admin fees. This policy will not make you pay an additional administration fee when you make a change to your policy. Things like requesting a duplicate motor insurance certificate are free. An additional premium will only be requested if your change affects the premium wanted for the risk. Where this is less than £10, a request for additional payment will not be made nor a refund issued.

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Q. What are 'hidden admin fees'?

A. 'Hidden admin fees' can include adjustment fees, cancellation fees and duplicate document fees. Some companies also charge interest (APR) for paying monthly. On top of this, some may charge a 'Direct Debit fee' for monthly payments.
Age UK Car Insurance allows you to pay by interest-free monthly instalments (0% APR Representative). There are also no fees for policy amendments, cancellations or duplicate documents.

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Q. Is Motor legal protection cover available?

A. Yes, you can take Motor legal protection cover that includes a 24/7 legal helpline for an extra cost. This covers you for legal costs to pursue compensation for personal injury when you are not at fault or to defend a motoring prosecution brought against you. You can also obtain legal advice and assistance (with costs up to £100,000) to pursue your claim for uninsured losses. This might include your policy excess, loss of earnings, car hire changes or additional travel expenses.

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Useful tips

Here are some useful tips when looking to buy Car insurance

Third party insurance is not always cheaper than comprehensive and it may cost you more in the long run. If you are involved in a crash with an uninsured driver, you could end up paying the repair bills even if it is not your fault.

  • Always contact the DVLA and your motor insurance company if you develop any medical conditions that could impair your ability to drive. Otherwise you may find yourself not insured and facing a fine.
  • Spread the cost of your insurance payments with Age UK Car Insurance by paying interest-free monthly instalments. (0% APR Representative)

For more information

Get a quote today

0800 389 7809*

Lines open: Mon-Fri 8am-8pm | Sat: 9am-5pm. Calls may be recorded

Request a brochure

Find out more about Age UK Car Insurance

Visit your local Age UK/Concern Office

Not all Age UKs/Concerns offer all products. Please check (by calling your local office) before arranging a visit.

Insurance awards logos 2014

 

Age UK Car Insurance is provided by Ageas Insurance Limited.
* If you call the 0800 number, you may be transferred to an Age UK/Age Concern office, or Ageas Insurance Limited.Calls are normally free from a landline but charges may apply from mobiles.

** Comprehensive cover only

† Ageas Winner Gold standard awards 2008 - 2014 winner, Insurance. Winner - General Insurer of the Year at the British Insurance Awards 2014.

Age UK Enterprises Limited is registered in England and Wales no 3156159. Age UK Enterprises Limited registered office: Tavis House 1-6 Tavistock Square, London WC1H 9NA.

Age UK Enterprises Limited is the commercial arm of Age UK (registered charity number 1128267) and donates its net profits to Age UK.

Age UK is a registered trademark. The use of the name and logo ‘Age UK’ is done so under licence agreement between Age UK and Age UK Enterprises Limited.

Ref: M5063V1JAN15