Home insurance companies Age UK home insurance review

 

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Age UK Home Insurance policy

Need to know:

  • No setup, adjustment, default or cancellations fees
  • Provides a discount if you buy both a buildings and a contents policy
  • Cover for bikes at home and away from home

Table last updated in June 2016. Next updated in December 2016.

Age UK home insurance policy scores

We analyse and rate the 58 most important elements of standard home insurance policies to come up with the overall policy score. We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. Initially, we score all of the product elements out of 5, reflecting how competitive each provider is in this area compared to other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

 

Most important policy elements
Interest charged on payment by instalments (APR) Subscriber only contentBuildings and Contents
Renewal fee (£)Subscriber only contentBuildings and Contents
Home Emergency cover - standard, optional, not covered?Subscriber only contentBuildings and Contents
Home Emergency cover (£)Subscriber only contentBuildings and Contents
Owner's/Occupier's liability (£)Subscriber only contentBuildings and Contents
Accidental damage cover - standard, optional, not covered?Subscriber only contentBuildings and Contents
Subsidence - standard, optional, not covered?Subscriber only contentBuildings only
Alternative accommodation (£)Subscriber only contentBuildings only
Burst pipes - standard, optional, not covered?Subscriber only contentBuildings only
Blockage of sewer pipe - standard, optional, not covered?Subscriber only contentBuildings only
Single item limit for valuables (max limit) (£)Subscriber only contentContents only
Contents in the open (within home boundary i.e. garden) (£)Subscriber only contentContents only
Contents in outbuildings including garages (£)Subscriber only contentContents only
Theft from outbuildings (£)Subscriber only contentContents only
Personal Possessions - standard, optional, not covered?Subscriber only contentContents only
Personal Possessions limit within a car (£)Subscriber only contentContents only
Pedal cycles - standard, optional, not covered?Subscriber only contentContents only
Mobile phones - standard, optional, not covered? Subscriber only contentContents only
Does cover for phone include calls? Subscriber only contentContents only
Secondary policy elements
Insurer pay switching fees? (£)Subscriber only contentBuildings and Contents
Adjustment fee (£)Subscriber only contentBuildings and Contents
Cancellation fee (£)Subscriber only contentBuildings and Contents
Set up fee (£)Subscriber only contentBuildings and Contents
Duplicate document fee (£) Subscriber only contentBuildings and Contents
Standard level of excess (£)Subscriber only contentBuildings and Contents
Subsidence excess (£)Subscriber only contentBuildings only
24 hour (emergency) helpline - standard, optional, not covered?Subscriber only contentBuildings and Contents
Are repairs guaranteed? (Home Emergency cover) (Yes/No)Subscriber only contentBuildings and Contents
What is the policy cover basis?Subscriber only contentBuildings and Contents
Gradual build up of ground water covered?Subscriber only contentBuildings and Contents
Garden Cover - standard, optional, not covered?Subscriber only contentContents only
Storm damage to fences? Subscriber only contentBuildings only
Trace and Access limit (£)Subscriber only contentBuildings only
Pedal cycle away from home (£)Subscriber only contentContents only
TV or video accidental damage covered as standard?Subscriber only contentContents only
Is money covered - standard, optional, not covered? Subscriber only contentContents only
Money in the home (£)Subscriber only contentContents only
Money away from home (£)Subscriber only contentContents only
Digital information in the home (£)Subscriber only contentContents only
Students contents in digs covered - standard, optional, not covered?Subscriber only contentContents only
Home removal insurance - standard, optional not covered?Subscriber only contentContents only
Cover level for loss of keys (£)Subscriber only contentBuildings only
Cover level for loss of keys (£)Subscriber only contentContents only
Cover for theft of keys (£)Subscriber only contentBuildings only
Cover for theft of keys (£)Subscriber only contentContents only
Other policy elements
Payment default (£)Subscriber only contentBuildings and Contents
Unoccupancy period (days)Subscriber only contentBuildings and Contents
Legal expenses - standard, optional, not covered?Subscriber only contentBuildings and Contents
Legal expenses cover (£)Subscriber only contentBuildings and Contents
Claims helpline?Subscriber only contentBuildings and Contents
Credit card payment charge?Subscriber only contentBuildings and Contents
Garden contents cover? (£)Subscriber only contentContents only
No claims discount (NCD) protection? Subscriber only contentBuildings and Contents
Students cover limit? (£)Subscriber only contentContents only
Minimum level of excess (£)Subscriber only contentBuildings and Contents
Discount for buying buildings and contents insurance?Subscriber only contentBuildings and Contents
Business/office equipment covered - standard, optional, not covered?Subscriber only contentContents only
Loss of keys - standard, optional, not covered?Subscriber only contentBuildings only
Loss of keys - standard, optional, not covered?Subscriber only contentContents only
Theft of keys - standard, optional, not covered?Subscriber only contentBuildings only
Theft of keys - standard, optional, not covered?Subscriber only contentContents only

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