Home Insurance

Get your buildings and content insurance quote today

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

You could save money with Age UK Home Insurance

We understand how important it is to rely on your buildings and contents insurance. Age UK Home Insurance is designed for the over 50s and has no hidden fees and no nasty surprises.

Thank you for the courteous and efficient way with which you dealt with my claim
Mr Carr | Brighton

Age UK Home Insurance offers:

  • Pay by interest-free monthly instalments at no extra cost
    (0% APR Representative)
  • No hidden admin fees
  • 'New for Old' cover
  • Choice of contents or buildings insurance cover or both
  • Contents insurance cover for up to £60,000***
  • Buildings insurance cover for up to £500,000†   
  • Award winning insurer^
  • Low standard excess of just £45†† (excludes water leaks)

Start saving straight away. Move to us, cancel your  current insurance and we'll pay any cancellation fees that your current insurer charges - up to £40.^^ All you need to do is download and return the cancellation charge refund form.

†† Exceptions include subsidence, for which there is typically a £1,000 excess; £100 subsidence excess for properties under ten years old; £245 for escaping water claims.

Summary of cover

Here is a description of what is covered by Age UK Home Insurance as well as optional extras and exclusions.

Summary of cover

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

Cover

Buildings

Contents

Standard policy limits

Buildings Yes N/A The maximum claim limit shown on your building insurance policy schedule
Trace and access source of leak for escape of water and escape of oil causes Yes N/A Up to the maximum claim limit shown on your policy schedule.
Property owners' liability Yes N/A £2 million
Contents N/A Yes The maximum claim limit shown on your contents insurance policy schedule
Maximum claim limit for any valuable N/A Yes £2,000
Valuables in the home N/A Yes The maximum claim limit shown on your policy schedule
Money N/A Yes £500
Credit cards N/A Yes £1,000
Freezer food N/A Yes £1,000
Public and personal liability N/A Yes £2 million
Unpaid damages N/A Yes £2 million
Tenant's liability N/A Yes 20% of the maximum claim limit for contents shown on your policy schedule 
Loss or damage to contents during removal N/A Yes Up to the maximum claim limit for contents shown on your policy schedule
10% increase in the maximum claim limit for religious festivals, birthdays, family wedding and civil partnership ceremonies N/A Yes Maximum claim limit for Contents increased by 10%
Counselling fees N/A Yes £1,000
Garden cover N/A Yes £1500
Accidental breakage to audio and visual equipment, DVD equipment, glass, mirrors and desktop computers N/A Yes Up to the maximum claim limit for Contents shown on your policy schedule
Fraudulent use of credit cards N/A Yes £1,000
Carer's contents N/A Yes £250
Items covered while living in a nursing home, residential care home or staying with family or friends N/A Yes Up to 20% of the maximum claim limit for contents shown on your policy schedule
Medical equipment on loan N/A Yes £5,000
Accidental damage to wheelchairs and stairlifts in the home N/A Yes Up to the maximum claim limit for contents shown on your policy schedule
Rent and alternative accommodation Yes Yes 20% of the buildings and/or contents maximum claim limit shown on your policy schedule

Optional covers available

Cover

Buildings

Contents

Standard policy limits

Accidental damage to building and contents Yes Yes Up to the buildings or contents maximum claim limit shown on your policy schedule
Unspecified personal belongings N/A Yes Limited to £1,000 - £5,000
Specified personal belongings N/A Yes Limited up to £10,000
Pedal cycles N/A Yes Limited to £300 unspecified and £1,000 specified
Personal legal protection Yes Yes £50,000
Static caravan Yes Yes Up to £35,000 for the structure and up to £2,500 for caravan equipment.
Touring caravan Yes Yes Up to £25,000 for the structure and up to £2,500 for caravan equipment.

Extra benefits: Available 24 hours, 365 days a year.

  • 24-hour domestic assistance service: A local authorised repairer can visit your home and you will be advised of any charges beforehand. If the incident is covered by your policy, the cost will be repaid (minus any excess).
  • Identity theft helpline services: If you are a victim or worried about identity theft, there is advice and guidance.
  • 24-hour legal helpline: Expert independent and confidential advice on any legal problem.
  • Optional additional voluntary excess: If you agree to pay an additional excess of either £50, £100 or £250 for your buildings and contents insurance cover, you may reduce your insurance premium. This is on top of the standard £45 policy excess.

Significant exclusions

Cover

What is not insured

Buildings Loss or damage caused by weight of snow. Storm or flood loss or damage to gates or fences. Subsidence caused by settlement unless the settlement is caused by subsidence of the site on which the buildings stand
Contents Loss or damage caused by weight of snow. Theft or attempted theft when your home or any part of it is lent, let or sublet to or occupied by someone who is not a member of your family, unless force causing damage to the main building of the home was used to get in or out of the building 
Accidental damage extensions Damage caused or resulting from chewing, scratching, tearing or fouling by domestic animals or pets. Damage caused by or resulting from wet rot or dry rot or other gradual causes
Unspecified personal belongings extension Any amount over £1,000 for theft or disappearance of property from unattended locked motor vehicles. Loss or damage caused to dentures whilst being used for eating and to crowns, caps or fillings in teeth
Specified personal belongings extension Any amount over £1,000 for theft or disappearance of property from unattended locked motor vehicles. Loss or damage caused by theft or attempted theft from an unlocked hotel room, motel room, bed & breakfast bedroom or other similar temporary lodging
Pedal cycles extension Cuts, bursts or punctures to tyres. Theft or attempted theft of an unattended pedal cycle away from the home unless the pedal cycle is either in a locked building or secured by a suitable chain and padlock (or cycle lock) to a post, cycle rack or immovable object
Family legal protection Costs and expenses before DAS Legal Expenses Insurance Company Limited accept a claim in writing.
Static caravan Malicious damage caused to television sets (and their aerials), satellite receivers or decoders, radios, audio equipment, video recording equipment, DVD players or desk-top computers when your caravan is unoccupied or while the caravan site is closed.
Touring caravan Loss or damage caused by the caravan being stolen at any time, unless it is fitted with a hitchlock or wheelclamp that is working properly
General policy exclusions applicable to all sections and extensions Property more specifically covered by another policy of insurance. Any criminal or deliberate act by you or your family

Please download our policy document to see full terms and conditions

What's covered

Age UK Home Insurance offers a range of contents and buildings insurance cover options for you to choose from.

Contents insurance

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

Contents insurance is designed to protect personal belongings in your home and can provide peace of mind. Especially for those items we have had for many years. Protect your home and its contents with Age UK Home Insurance.

Protection for your household goods, valuables, money, credit cards and personal belongings in your home and garden.lady on sofa

  • Accidental breakage in your home to fixed glass in mirrors, glass tops to furniture and ceramic hobs in free-standing cookers.
  • Replacement of external locks if keys are lost or stolen.
  • Rent and alternative accommodation up to 20 per cent of your maximum claim limit.
  • Up to £5,000 if a member of the family suffers a fatal injury as a result of certain causes covered in your policy.
  • Public and personal liability up to £2 million.
  • Liability for domestic staff up to £10 million.
  • Tenant’s liability for damage to the building (up to 20 per cent of the maximum claim limit).
  • Accidental Damage to audio and visual equipment, DVD equipment, glass, mirrors and desktop computers.
  • ‘New for old’ cover.
  • Accidental damage to wheelchairs and stairlifts in the home
  • Accidental loss of metered water or oil in domestic heating systems up to your contents’ maximum claim limit.
  • Theft of money from your home by bogus officials.
  • Garden cover up to £1,500 for loss or damage to hedges, lawns and plants.

Personal belongings away from the home

This is available when you take out contents insurance. It provides wider cover for your personal property – not just inside your home, but anywhere in the world.

You can also add:

  • Unspecified personal belongings for items with an individual value of up to £2,000 (£1,000 limit applies where only £1,000 cover limit is selected)
  • Pedal cycle (up to £300) and mobile phone (up to £300)
  • Wheelchairs and pavement vehicles (up to £2,000)
  • Any item you decide to specify will be individually listed in your schedule. A professional valuation not more than two years old will be required as proof of value and ownership, in the event of a claim for any specified item valued at £2,500 or above.

Buildings insurance

Buildings insurance is just as important as contents insurance. Your home may be vulnerable to risks such as falling trees, lamp posts, a storm or flood. So, it is essential your very foundations are covered. Building insurance covers your home and fixtures and fittings, garages, garden walls, gates, fences, paths, drives and patios, carports, permanently fixed hot tubs or jacuzzis, hard tennis courts and outbuildings.

Protect your home inside and out, with buildings insurance offered by Age UK:buildings insurance

  • Accidental breakage to fixed glass and ceramic hobs built into cookers that are permanent fixtures in your home, sanitary fixtures and fittings in your home and solar panels.
  • Professional fees and costs incurred as a result of damage insured under your policy.
  • The cost of repairing accidental breakage to the fabric of cables, underground pipes, drains and tanks.
  • Rent and alternative accommodation up to 20 per cent of your maximum claim limit.
  • Up to £2 million for your legal liability as a property owner
  • Damage caused by emergency services up to your maximum claim limit.
  • ‘New for old’ cover.
  • Accidental loss of metered water or oil in domestic heating systems up to your buildings maximum claim limit.

Contents and buildings insurance

  • Buildings and contents insurance will cover you against the following (exclusions apply):^^^
  • Fire, explosion, lightning, earthquake
  • Storm or flood
  • Collisions or impact by any vehicle, trains, aircraft or animals
  • Riot or malicious damage
  • Escape of water or oil from fixed installations
  • Theft or attempted theft
  • Falling trees, branches, telegraph poles and lamp posts
  • Subsidence, ground heave or landslip

Personal legal protection

Up to £50,000 to pursue or defend legal disputes. You can add this to your building and contents insurance policy for an extra cost.

Excess

You pay the first £45 part of each claim for loss or damage ( exceptions include £1,000 for subsidence, ground heave or landslip under the buildings section; £100 subsidence excess for a property under ten years old; £245 for escaping water claims).

Download the Home Insurance Policy booklet PDF (911KB)

FAQs

Below are a few of the questions customers often ask about Age UK Home Insurance, so we hope the answers will be helpful for you.

Ladies at home
Q. Can anyone take out a home insurance policy?
Q. Do I have to take out both contents and buildings insurance?
Q. How are claims settled?
Q. Do I need to have any specific locks on my doors and windows to qualify for home insurance?
Q. What if I change my mind?
Q. How do I add an optional extra, such as accidental damage, to my cover?
Q. Do I pay extra if I change my policy?

Q. Can anyone take out a home insurance policy?

A. You can take out Age UK Home Insurance if your are over 50 and providing your home is:

  • occupied solely by you and your family
  • your permanent residence
  • in the UK, Isle of Man or the Channel Islands
  • free from subsidence and underpinning in the last 25 years.
  • where the cost of rebuilding does not exceed £500,000
  • is not a grade 1 listed building
  • for buildings cover, the property must be owned by you

Cover cannot be provided if you or anyone living with you has:

  • had a previous insurance subjected to increased terms or conditions or cover withdrawn or refused
  • been declared bankrupt or has a current County Court Judgement made against them which has not been discharged (bankruptcies which have been discharged, and CCjs that have been paid in full or are more than 6 years old do not count).

Please note that other factors may also affect eligibility, not just those listed above.

Q. Do I have to take out both contents and buildings insurance?

A. No. If you live in rented accommodation, your landlord should have buildings insurance and you only need contents insurance. However, if you own your home, it’s highly recommended to have both contents and buildings insurance.

Q. How are claims settled?

A. All claims for contents cover are settled on a ‘new for old’ basis. So, damaged items will be repaired and anything stolen or damaged beyond repair will be replaced as new. With buildings cover, claim settlements are based on the full repair or rebuilding cost. Please note, the sum insured must be high enough to cover the full replacement or rebuilding cost at today’s prices.

Q. Do I need to have any specific locks on my doors and windows to qualify for home insurance?

A. Not necessarily. But if you need to insure high sums or depending on the area you live in, you may need to take additional precautions as part of the arrangements for providing your buildings and contents insurance cover. If so, we’ll let you know and give you time to fit them. See the Policy booklet for more details.

Q. What if I change my mind?

A. If you’re not satisfied with your policy, you have 14 days from when you receive your policy schedule or enter into this contract, whichever is later, to telephone or write to Ageas if you want to cancel your policy. See the Policy booklet for more details.

Q. How do I add an optional extra, such as accidental damage, to my cover?

A. We are happy to discuss the options with you, so that you can decide what cover you need. When you apply, just let us know which extras – if any – you want to include in your cover.

Q. Do I pay extra if I change my policy?

A. If you make a change to your policy during the period of insurance and the difference in the premium is less than £10, we will neither request additional payment nor make a refund. We will not add an additional administration charge.

Download the Home Insurance Policy booklet PDF (911KB)

Park homes

Age UK Home Insurance offers building and contents insurance cover on park homes and caravans. 

Park homes and caravansPark Home and Static caravans

If you live in a Park Home or static caravan, then you can trust Age UK Home Insurance to offer great value cover. If you'd like to protect your most treasured possessions, then contents insurance can offer you that peace of mind. So, why not contact Age UK Home Insurance for a no-obligation quotation?

Touring, Static Holiday Caravans and Holiday Park Homes

Cover is also available as an optional extra under Age UK Home Insurance policy.

Your benefits include:

  • An award-winning insurer ^
  • A standard excess of just £45**
    (apart from water leaks and subsidence).
  • Pay by interest-free monthly instalments (0% APR Representative)
  • Legal liability up to £2,000,000
  • Cover for the cost of alternative accommodation

Insurance tips

We have useful helpful tips on how to keep your home and valuables safe from damage or theft and protect yourself from bogus callers.

Man at HomeHelpful home insurance tips

Download the Home Insurance Policy booklet PDF (911KB)

For more information

Get a quote today

0800 731 3903*

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

Request a brochure

Find out more about Age UK Home Insurance

Visit your local trading Age UK/Concern office**

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

Ageas insurance awards

Age UK Home 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.

** Exceptions include subsidence, for which there is typically a £1000 excess (£100 subsidence excess for properties under 10 years old), £245 for escaping water claims.

† On standard construction properties

^ Ageas Winner Gold standard awards 2008 - 2014 winner, Insurance. Customer Care Award winner, Post Claims awards 2014.

^^ The cancellation fee refund of up to £40 will be made up to 60 days after the request is received together with a confirmation letter from your existing insurer. This letter should state that your policy has been cancelled, and the cancellation charge amount. The original documents should not be sent, only a copy. Your copy will not be returned. The refund will be paid to you by cheque. This offer only applies to new home insurance policies bought over the phone, online, or an Age UK insurance office (for either buildings, contents or both) before 31 December 2015. Refund forms must be received within 60 days of the Age UK Home Insurance policy start date. This offer may be withdrawn or amended at any time. In the event of the offer being withdrawn only policies purchased before the withdrawal date will be honoured. The refund will not be paid if the Age UK Home Insurance policy has been cancelled within the 14 days cooling off period. Only one administrative/cancellation fee claim can be made per policy. Payment can only be made to the policyholder identified on the policy document. No Claims Discount can be affected by cancelling cover mid-term. Your full premium may be taken if your policy is cancelled mid term. Pro rata refunds differ from company to company. Cancellation notice periods differ from insurer to insurer and can take up to seven days. We advise you to check with your existing insurer before cancelling and setting up an Age UK policy. Terms and conditions apply. The decision of Age UK Enterprises Limited in regards to this promotion is final.

^^^ Exclusions apply. For further details, read the Home Insurance policy booklet.

*** Addtional contents cover of up to £100,000 is available, subject to terms and conditions.

‡ In the event of a change, premium charges may also apply.

§ Inclusive of Insurance Premium Tax.

Age UK Enterprises Limited is registered in England and Wales no 3156159. 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. 

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