Car Insurance

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You could save money on your car insurance

Lines open Mon - Fri: 8am to 8pm, Sat: 9am to 5pm. Calls may be recorded.
Age UK Car Insurance is provided by Ageas Insurance Limited.

See if you too could save money with Age UK car insurance.  Age UK Insurance is designed specifically for the over 50s.  Your driving needs may change over your lifetime, so reviewing what you are currently paying for insurance makes sense.

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

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 - if you have comprehensive cover, following an accident or if damaged after a theft, whilst your car is being repaired by an approved repairer 
  • 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.

If you have already started a quote, the details have been saved for you, retrieve your quote here.

See how Age UK compares?

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.

Compare Age UK with other insurers

Age UK

RIAS

AA

LV=

Instalment charge @ 0%
(APR representative)
0%
24.0%
26.9%
24.9%
Cancellation fees £0 £35 £50  £40
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 0 days)

Information sourced in February 2015 for new policies, using Defaqto

What your policy will cover

Age UK Car Insurance includes the following features and benefits 

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 (up to 1 year old and first & only registered keeper).
Damage to own car by fire or theft Yes Yes No Market value. £100 excess. New car replacement (up to 1 year old and first and only registered keeper).
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

 

Download the car insurance policy booklet (PDF 848 KB)

How to buy

To get a no-obligation over 50s Car Insurance quote, please have these details to hand:

Vehicle Details:

  • Registration number
  • Make/Model type
  • Annual mileage - an estimate

Driver/s Details (Main and Additional):

  • Name and Address (including postcode)
  • Date of birth
  • Occupation
  • Type of licence and number of years held
  • Any driving conviction details for the last 5 years for all drivers
  • Any past motor claims by all drivers in the last 5 years
  • No Claims Discount - number of years
  • Policy start date

FAQs

Below are some of the questions our customers often ask. We hope the answers will be helpful to you

Q.1 How can I pay – annually or in interest-free monthly instalments?
Q.2 What are hidden admin fees?
Q.3 Will I have to pay any additional charges or fees once I have paid the premium?
Q.4 Who is eligible for Age UK Car Insurance and can younger drivers be included on the policy?
Q.5 What is 'No Claims Discount'?
Q.6 Can I protect my no-claims discount?
Q.7 What do I do if I have an accident?
Q.8 Will I get a courtesy car during repairs?
Q.9 Are the repairs guaranteed?
Q.10 Is Motor legal protection cover available?
Q.11 Is Motor Breakdown cover available?

Q.1 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).

Q.2 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, cancelling your policy or getting duplicate copies of your policy documents.

Q.3 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 required for the risk (an example of this would be 'adding an additional driver'). Where this is less than £10, a request for additional payment will not be made nor a refund issued.

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Q.4 Who is eligible for Age UK Car Insurance and 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.5 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.6 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.7 What do I do if I have an accident?

A. Simply call the accident helpline on 0845 601 6687 or +44 2380 621983 if call from abroad, it 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.8 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.9 Are the repairs guaranteed?

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

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Q.10 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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Q.11 Is Motor Breakdown cover available?

A. Yes, you can add Motor Breakdown cover for an extra cost. This cover is provided by Aria Insurance Services Limited.  You'll be covered for roadside assistance, vehicle recovery, and you're even covered at home if your car won't start. 

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Useful Information

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.

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