Age Co (Age UK) home insurance review

Formerly called Age UK, Age Co is a charity that supports older people.

It offers a number of financial products including home insurance, car insurance, travel insurance and equity release.

Age Co belongs to Age UK which is a public company, listed on the London Stock Exchange. 

• Find out more: what is contents insurance?

What does Age Co's (Age UK) home insurance cover?

The information below gives an at-glance view of the key areas that Age Co's home insurance covers as standard. 

Elements marked with a ✓ are covered as standard and those marked with a ✘ are not covered as standard. However, these can be added to a policy as optional extras for an additional cost. 

• Find out more: what is buildings insurance?

How Which? rates Age Co's home insurance?

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst. 

We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.

We analyse and rate 60 of the 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 five, 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 on the overall product score.

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Home And Mobile Insurance

Age Co review

Overall Which? score

%

Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.

Which? Customer Score

%

Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Buildings policy score

%

Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.

Contents policy score

%

Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.

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Age Co's home insurance policy: is it good or bad?

In February 2019, we analysed and rated 60 of the 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. Each element is given a star rating, out of five.

Overall, 47 out of the 60 elements policy elements we analysed in Age Co's home insurance earned a 3-star rating or higher.

The majority (28) of the features in this policy were given a full 5-star rating, which indicates an above average level of cover.

Best parts of Age Co's home insurance policy

We've identified three standout features in Age Co's home insurance policy:

• A cover limit of up to £1,000 for money in the home, which we gave 5 stars
• Switching fee of £55, which we gave a full 5-star rating
• No charge for renewing your policy, which we scored 5 stars

Worst parts of Age Co's home insurance policy

• The cover limit for contents left outside the home is only £600, which we scored 1 star
• Blockage of sewer pipes is not covered by this policy
• There is no guarantee for repairs carried out under home emergency cover

In detail: every part of Age Co's home insurance policy

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Table last updated in February 2019. Next updated in February 2020.

Most important policy elementsSecondary policy elementsOther policy elements

Policy elements	Details	Rating	Area covered
Interest charged on payment by installments (APR)			Buildings and contents
Renewal fee (£)			Buildings and contents
Home emergency cover - standard, optional, not covered?			Buildings and contents
Home emergency cover (£)			Buildings and contents
Owner's / Occupier's liability (£)			Buildings and contents
Accidental damage cover - standard, optional, not covered?			Buildings and contents
Subsidence - standard, optional, not covered?			Buildings only
Alternative accommodation (£)			Buildings only
Burst pipes - standard, optional, not covered?			Buildings only
Blockage of sewer pipe - standard, optional, not covered?			Buildings only
Single item limit for valuables - max limit (£)			Contents only
Contents in the open - within home boundary i.e. garden (£)			Contents only
Contents in outbuildings - including garages (£)			Contents only
Theft from outbuildings (£)			Contents only
Personal Possessions - standard, optional, not covered?			Contents only
Personal Possessions limit within a car (£)			Contents only
Bicycles - standard, optional, not covered?			Contents only
Mobile phones (away from home) - standard, optional, not covered?			Contents only
Does mobile phone cover include calls?			Contents only

Policy element	Details	Rating	Area covered
Insurer pays switching fees? (£)			Buildings and contents
Adjustment fee (£)			Buildings and contents
Cancellation fee - after 14 days (£)			Buildings and contents
Duplicate document fee (£)			Buildings and contents
Standard level of excess (£)			Buildings and contents
Subsidence excess (£)			Buildings only
24 hour emergency helpline - standard, optional, not covered?			Buildings and contents
Are repairs guaranteed under home emergency cover? (Yes/No)			Buildings and contents
Gradual build up of ground water covered?			Buildings and contents
Garden cover - standard, optional, not covered?			Contents only
Storm damage to fences - standard, optional, not covered?			Buildings only
Trace and access limit (£)			Buildings only
Bicycle away from home (£)			Contents only
TV or AV equipment accidental damage - standard, optional, not covered?			Contents only
Is money covered away from home - standard, optional, not covered?			Contents only
Money in the home (£)			Contents only
Money away from the home (£)			Contents only
Digital information in the home (£)			Contents only
Students contents in digs covered - standard, optional, not covered?			Contents only
Home removal insurance - standard, optional, not covered?			Contents only
Cover level for loss of keys (£)			Buildings only
Cover level for loss of keys (£)			Contents only
Cover level for theft of keys (£)			Buildings only
Cover level for theft of keys (£)			Contents only
Is boiler cover included - home emergency cover?			Buildings and contents
Boiler cover - parts and repairs included?			Buildings and contents
Boiler cover - call-outs included?			Buildings and contents

Policy element	Details	Rating	Area covered
Payment Default fee (£)			Buildings and contents
Unoccupancy period			Buildings and contents
Legal expenses - standard, optional, not covered?			Buildings and contents
Legal expenses cover (£)			Buildings and contents
Garden contents cover (£)			Contents only
No claims discount (NCD) protection?			Buildings and contents
Students cover limit (£)			Contents only
Minimum level of excess (£)			Buildings and contents
Discount for buying buildings and contents insurance?			Buildings and contents
Business / Office equipment covered - standard, optional, not covered?			Contents only
Loss of keys - standard, optional, not covered?			Buildings only
Loss of keys - standard, optional, not covered?			Contents only
Theft of keys - standard, optional, not covered?			Buildings only
Theft of keys - standard, optional, not covered?			Contents only

To see how Age Co's home insurance compares to other policies check out our guide on the best and worst home insurance.

How did customers rate Age Co's home insurance?

As well as looking at how Age Co's home insurance policy stacks up against others, we've also analysed how customers feel about it too.

Which?'s rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Overall, Age Co's home insurance scored 70% for customer satisfaction, placing it 16th out of the 34 home insurers we looked at.

Customers scored Age Co's 'clarity of policy' and 'dealing with queries' the highest, giving them four stars out of five. The 'transparency of Age Co's charges/penalties' and 'value for money' were scored the lowest by customers and only received three stars.

The table below shows how Age Co's home insurance scored for eight elements of customer satisfaction.

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Customer satisfaction element	Which? Customer rating
Applications process
Clarity of policy
Dealing with queries
Ease of managing your policy online
Transparency of charges/penalties
Dealing with complaints
Experience of making a claim
Value for money

Does Age Co offer different levels of home insurance cover?

The scores shown in this review relate to Age Co's standard home insurance for over 50s policy. It is possible to increase your level of cover by adding optional extras to your policy.  

For example, you could choose to add one of the following features to your policy, which are not included as standard:

• Accidental damage
• Home emergency cover
• Personal legal protection of up to £100,000

Choosing to add these features on to your policy will come at an added cost, making your policy more expensive than a standard one. 

How much does Age Co's home insurance cost?

Your contents insurance and buildings insurance will be priced based on your own personal circumstances, where you live and the type of property and contents you own. 

Age Co allows you to gather quotes on its own website at ageco.co.uk/insurance/home-insurance. It is not available on price comparison sites.

Check out our guide for more information on how home insurance add-ons, fees and charges affect the price of your home insurance.

What is Age Co's claims number?

If you need to make a claim with Age Co home insurance call 0333 005 0353.

According to the Age Co, you'll be asked what happened,  when it happened, and what action you've taken so far.

If you have a home emergency cover claim, call 0144 444 2114 and if you have you have a claim for personal legal protection, call 0333 0050 353.

The acid test of any home insurance provider is how it handles your claim. In January 2019, Which? surveyed 1,456 members of the general public about their experiences using a major home insurance provider.

Age Co did not have a large enough sample size for us to score it on claims satisfaction. You can find out how other home insurance companies performed in our guide making a home insurance claim.

Who underwrites Age Co's home insurance?

Age Co's home insurance is underwritten by Ageas Insurance Limited and Prestige insurance.

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