Home Insurance for Over 50s

We use our expertise and research into the needs of older people and have selected LV= as the home insurance provider because we recognise their products and customer service as suitable for our customers.

LV= can insure you if you have:

● Not made more than two household claims within the last five years

● No unspent criminal convictions (excluding motoring convictions)

LV= can't insure you if the property:

● Is occupied by tenants

● Has previously been flooded or is currently under a flood warning

● Has suffered from, or is showing any signs of, subsidence, landslip or heave

● Isn't built of brick, stone or concrete and roofed with slate, tiles, metal, asphalt

● Isn't in a good state of structural repair

● Is a mobile home

● Isn't self-contained

● Is unfurnished

● Is unoccupied

● Has eight or more bedrooms

● Has six or more bathrooms

● Is a grade I or grade II* listed property, or the equivalent in Scotland and Northern Ireland

Our partners, LV=, can offer you home insurance on your listed property if:

• You live in England or Wales and your home is Grade II listed
• You live in Scotland and your home is Grade C listed
• You live in Northern Ireland and your home is Grade B1 listed

LV= can't cover:

• Grade I or Grade II* listed properties, or the equivalent in Scotland and Northern Ireland.

No. If you live in rented accommodation or own a leasehold property your landlord or freeholder should have buildings insurance and you only need contents insurance.

If you own your freehold property it is advised that you have both. Almost all mortgage lenders will require you to take out buildings insurance as part of the conditions of the mortgage contract. Building insurance will cover the rebuild cost of your home should the worst happen.

Yes. When you apply for home insurance, you’ll be asked to confirm that the property to be insured is built of brick, stone or concrete and that roof is made of slate, tile, metal or asphalt.

Yes. LV= home Insurance or contents insurance will pay 50% of the cost to replace any undamaged item, if it forms part of a matching set. For example, if your sofa is water damaged and unrepairable, they’ll replace that, as well as give you 50% of the cost towards a matching armchair.

You can add extras options to your cover online or over the telephone when you get a quote or later should your needs change. The LV= team will be happy to discuss the options with you so that you can decide what additional cover you need.

Defaqto are a UK leading independent financial information business, and they have given Gold Home Insurance a 5 Star Rating.  

You'll automatically have an account if you saved a quote or if you chose to sign up after buying a policy. Visit lv.com/ageco/login to log in to your account or set up a new one.

'Admin fees' can include adjustment fees, cancellation fees and duplicate document fees.

LV= do not charge any admin fees for home insurance policy amendments, cancellations, or duplicate documents.

Auto-renewal can offer you peace of mind that your insurance will remain in place when it comes to your renewal.

When you give your consent to auto-renew your policy, LV= will issue your renewal documents, which will include details of your cover and any associated costs, and inform you that the policy will auto-renew without any need for you to make contact and confirm.

The consent will remain in force unless you change it, which you can do at any time, or if the policy is cancelled.

You'll automatically have an account if you saved a quote or if you chose to sign up after buying a policy. Visit lv.com/ageco/login to log in to your account or set up a new one.

Your saved home insurance quotes are valid until the cover start date. You'll still be able to view them in your account after that point, but you won't be able to buy them. Simply start a new quote if your old one’s no longer valid.

When you saved your quote, you should have received an email from LV= with details of your quote and how to access it again. If the email isn't in your inbox, please check your spam or junk folders, in case it's in there. If you still can't find it, you can re-set your password in My Account by clicking ‘Login’ and then the ‘I’ve forgotten my password’ link on the following page.

Whether you’re in your 50s, 60s, 70s, 80, 90s or over, we believe LV= is able to deliver great cover for homeowners, thanks to their excellent customer service and UK-based call centres.

Understanding our customers and their needs has always informed the products we sell and who we work with to provide them. By choosing LV=, we will be continuing to work with a partner that shares our values and dedication to customers enjoying their later life.

LV= is a leading insurance business offering a range of general insurance products. They are proud to be one of the UK’s largest personal lines insurers, with more than 4.5 million customers and 4,000 employees. Throughout their 180 year history, they have put people and customers at the heart of everything they do.