Home Insurance

5 Star rated home insurance you can rely on

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 5 Star rated Age UK Home Insurance

We understand how important it is to have buildings and contents insurance you can rely on. Age UK Home Insurance is designed for the over 50s and has no hidden admin 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 monthly at no extra cost 
    (0% APR Representative)
  • Low excess of just £45
  • No hidden admin fees
  • 'New for Old' cover
  • Choice of buildings or contents insurance or both
  • Buildings insurance for up to £500,000†   
  • Contents insurance for up to £60,000
  • Award winning insurer^

Start saving straight away. If you move to us and cancel your current insurance, 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.

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

† On standard construction properties.
 £1,000 for subsidence claims, reducing to £100 for properties under 10 years old and £245 for escaping water claims.

See how Age UK Home Insurance compares

5 Star home insurance that could save you money

We believe that homeowners over 50 take special care of their homes and deserve a low-cost policy with no hidden admin fees and cover that is designed to meet the needs of the over 50s.

Compare Age UK Home Insurance with other insurers

Compare Age UK Home Insurance with other policies

Additional fees

Age UK

Castle
Cover

Saga

AA

Instalment Charge
(APR Representative)
0% 19.9%
22.9%
26.9%
Adjustment fee § £0 £25 £10 £15
Cancellation fee £0 £50 £35 £20
Duplicate documents £0 £10 £10 £15

§ In the event of a change, premium charges may apply.
Information sourced in February 2015 for new policies, from Defaqto.

Buildings and Contents Insurance

You can choose cover for buildings insurance, contents insurance or both

Below is a summary of what buildings or contents insurance will cover. 

Buildings 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. 

Benefits

•  
Fixtures and fittings
•  Garages, paths, drives and patios
•  Garden walls, gates and fences
•  Outbuildings
•  Accidental Damage Cover (for an extra cost)

The policy will automatically cover your property up to £500,000 rebuilding costs. Please note that a non standard property would be based on the customer's sum insured amount for the rebuild cost. Cover cannot be provided if you are not the owner.

Contents insurance 

Contents insurance is designed to protect personal belongings in your home and garden. It can provide peace of mind especially for those items we have had for many years.                                          

Benefits

•  
Household goods
  Replacement of external locks if keys are lost or stolen
•  Valuables, money and credit cards
•  Rent and alternative accommodation
•  Personal belongings inside and away from the home

Contents cover is available up to £60,000. Additional contents cover of up to £100,000 is available, subject to terms and conditions.  

Buildings and contents insurance will cover you against:

  Fire explosion, lightning, earthquake Home Contents Insurance
  Storm or flood
  Collisions or impact by any vehicle, trains, aircraft or animals
  Riot or malicious damage
  Water or oil leaks from fixed installations
  Theft or attempted theft
  Falling trees, branches, telegraph poles and lamp posts
  Subsidence, ground heave or landslip

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

What your policy will cover

See what is and isn't covered by Age UK Home Insurance

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

Buildings insurance 

Standard policy limits

Buildings 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 Up to the maximum claim limit shown on your policy schedule
Property owners' liability £2 million
Rent and alternative accommodation 20% of the buildings and/or contents maximum claim limit shown on your policy schedule
   

Contents insurance 

Standard policy limits

Contents The maximum claim limit shown on your contents insurance policy schedule
Maximum claim limit for any valuable £2,000
Valuables in the home The maximum cliam limit shown on your policy schedule
Money £500
Credit cards £1,000
Freezer food  £1,000
Public and personal liability £2 million
Unpaid damages £2 million
Tenant's liability 20% of the maximum claim limit for contents shown on your policy schedule
Loss or damage to contents during removal 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 Maximum claim limit for contents increased by 10%
Counselling fees £1,000
Garden cover £1,500
Accidental breakage to audio and visual equipment, DVD equipment, glass, mirrors and computers  Up to the maximum claim limit for contents shown on your policy schedule
Fraudulent use of credit cards £1,000
Carer's contents £250
Items covered while living in a nursing home, residential care home or staying with family or friends Up to 20% of the maximum claim limit for contents shown on your policy schedule
Medical equipment on loan £5,000
Accidental damage to wheelchairs and stairlifts in the home Up to the maximum claim limit for contents shown on your policy schedule
Rent and alternative accommodation 20% of the buildings and/or contents maximum claim limit shown on your policy schedule

Additional benefits available to you 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 and 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

Buildings Insurance
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 buildings stand.

Contents Insurance
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.

General policy exclusions applicable to all sections and optional extras
Property more specifically covered by another policy of insurance. Any criminal or deliberate act by you or your family.

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Optional Extras

Choose from a wide range of optional extras to tailor the cover to suit you

For an additional charge, you can add these optional extras to your insurance cover. Please download our 
policy document for full terms and conditions.
  

Cover

Standard policy limits

Significant exclusions

Accidental damage to buildings and contents Up to the buildings' or contents' maximum claim limit shown on your policy schedule

• Damage caused by 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
Limited to £1,000 - £5,000 • 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
Limited to £10,000
• 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 or other similar temporary lodging.
Pedal cycles
Limited to £300 unspecified and £1,000 specified • 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.
Personal legal protection £50,000 • Costs and expenses before DAS Legal Expenses Insurance Company Limited accept a claim in writing.
Static caravan
Up to £35,000 for the structure and up to £2,500 for the caravan equipment • 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 Up to £25,000 for the structure and up to £2,500 for the caravan equipment
• 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.

FAQs

Below are some of the questions customers often ask about Age UK Home Insurance. We hope the answers will be helpful for you.

Ladies at homeQ1. Can anyone take out a home insurance policy?
Q2. Do I have to take out both contents and buildings insurance?
Q3. How are claims settled?
Q4. Do I need to have any specific locks on my doors and windows to qualify for home insurance?
Q5. What if I change my mind?
Q6. How do I add an optional extra, such as accidental damage, to my cover?
Q7. Do I pay extra if I change my policy?
Q8. What are 'hidden admin fees'?
Q9. Who are Defaqto?
Q10. What does 5 Star rating mean?

Q1. Can anyone take out a home insurance policy?

A. Age UK Home Insurance is designed with the over 50s in mind, however there is no age restriction and anyone can apply 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.

Q2. 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.

Q3. 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.

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Q4. 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 page 10 of the policy document for more details.

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Q5. 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 page 10 of the policy document for more details.

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Q6. 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.

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Q7. 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.

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Q8. 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 Home Insurance allows you to pay by interest-free monthly installments (0% APR Representative). There are also no fees for policy amendments, cancellations or duplicate documents.

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Q9. Who are Defaqto?

A. Defaqto are a leading independent UK financial researcher, specialising in analysing and comparing financial products such as insurance. They rate hundreds of insurance products, giving each a 1 to 5 rating based on the quality and comprehensiveness of the features and benefits it offers.  This helps you make a more informed decision about which one suits your needs.

Defaqto are completely independent and unbiased and never knowingly exclude a product or policy from their Star Ratings.

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Q10. What does Star rating mean?

A. It is important to base your financial decisions on the quality of a product - not just how much it costs. Star Ratings assess products based on the features and benefits they offer, helping you see at a glance where a product sits in the market. Age UK provides one of the most comprehensive policies in the market as indicated by a Defaqto 5 Star Rating.

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Useful documents and information

Product Literature

       Home Insurance Policy Document
           (viewable in pdf, file size 911 KB) 

       Home Insurance Policy Summary and About Our Services
          (viewable in pdf, file size 138 KB)

If you're an existing customer, please call us on 0845 603 0512 for copies of your existing documents.

If you call the 0845 number you will be transferred to Ageas Insurance Limited. Calls to 0845 numbers will cost no more than 4p per minute if made from a UK BT landline. Call charges from other companies or mobiles may vary and you may want to check this with your service provider.


Other

Cancellation Charge Refund Form             (viewable in pdf, file size 140 KB)

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.

Awards and Defaqto

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. 

^ 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 via 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.

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. 

Ref: H5062V3MAY15