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's home insurance is underwritten by Ageas Insurance Ltd and Prestige Underwriting Services Ltd

• Read our reviews of all the insurers who took part in our home insurance analysis

Does Age Co offer the best home insurance?

Here's how Age Co scored in our latest home insurance survey:

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 48 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 67 features of its cover to calculate the policy score.

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£1 for first month then £12.75/month unless cancelled

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

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

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, you can sign up to a one month trial of Which? Money for just £1 to access this review and thousands of others.

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

Buildings coverContents coverAdditional coverExcesses & no claims discount (NCD)Payment, fees and admin

Weighting	Policy element	Details	Rating
Most important	Maximum sum insured (£)
Most important	Alternative accommodation (£)
Most important	Owner's / Occupier's liability (£)
Most important	Repairs guarantee
Other	Unoccupancy period
Most important	Trace and access  (£)
Most important	Burst pipes - included?
Most important	Blockage of sewer pipe - included?
Secondary	Gradual build-up of groundwater - included?
Secondary	Subsidence - included?
Secondary	Damage to underground services - included?
Secondary	Flood and storm damage - included?
Secondary	Flood and storm damage to outbuildings - included?
Secondary	Storm damage to fences - included?
Other	Theft of keys - included?
Secondary	Theft of keys (£)
Other	Loss of keys - included?
Secondary	Loss of keys (£)

Weighting	Policy element	Details	Rating
Most important	Maximum sum insured (£)
Most important	Alternative accommodation (£)
Most important	Owner's / Occupier's liability (£)
Other	Unoccupancy period
Other	Matching sets cover - included?
Other	Damage by domestic pets covered?
Most important	Single item limit for valuables - max limit (£)
Most important	Contents in the open - within home boundary i.e. garden (£)
Most important	Contents in outbuildings - including garages (£)
Most important	Theft from outbuildings (£)
Secondary	Gradual build-up of groundwater - included?
Other	Garden cover - included?
Other	Garden contents cover - plants (£)
Secondary	Money in the home (£)
Secondary	Money away from the home (£)
Secondary	Credit cards in the home (£)
Secondary	Credit cards away from the home (£)
Secondary	Digital information in the home (£)
Secondary	Items temporarily removed from home (£)
Other	Business / Office equipment (£)
Other	Freezer contents (£)
Other	Guests belongings (£)
Other	Student contents (£)
Other	Nursing home contents (£)
Other	Moving house cover  - included?
Other	Theft of keys - included?
Secondary	Theft of keys (£)
Other	Loss of keys - included?
Secondary	Loss of keys (£)

Weighting	Policy element	Details	Rating	Area covered
Most important	Accidental damage cover - included?			Buildings and contents
Most important	Home emergency cover - included?			Buildings and contents
Secondary	Home emergency - limit per call-out (£)			Buildings and contents
Other	Home emergency - emergency accommodation			Buildings and contents
Most important	Boiler cover - included?			Buildings and contents
Secondary	Boiler repair (£)			Buildings and contents
Secondary	Boiler replacement (£)			Buildings and contents
Other	Boiler covered if not annually serviced?			Buildings and contents
Secondary	Legal expenses cover - included?			Buildings and contents
Secondary	Legal expenses cover (£)			Buildings and contents
Most important	Personal possessions cover - included?			Contents
Most important	Personal possessions cover - maximum sum insured (£)			Contents
Most important	Personal possessions away from home - single item limit (£)			Contents
Most important	Personal Possessions limit within a car (£)			Contents
Most important	Mobile phones (away from home) - included?			Contents
Secondary	Mobile phones away from home (£)			Contents
Other	Unspecified bicycles away from home - included?			Contents
Other	Specified bicycle away from home (£)			Contents

Weighting	Policy element	Details	Rating	Area covered
Most important	Standard level of excess			Buildings
Most important	Standard level of excess			Contents
Most important	Escape of Water excess			Buildings
Most important	Escape of Water excess			Contents
Secondary	Subsidence excess			Buildings
Secondary	Personal possessions excess			Contents
Secondary	Replacement locks and keys excess			Buildings and contents
Most important	Is NCD offered?			Buildings and contents
Other	NCD protection - included?			Buildings and contents
Other	NCD protection claims (number per year)			Buildings and contents

Weighting	Policy element	Details	Rating	Area covered
Most important	Interest charged on payment by instalments (APR)			Buildings and contents
Most important	Renewal Fee			Buildings and contents
Secondary	Adjustment Fee			Buildings and contents
Secondary	Duplicate Documents Fee			Buildings and contents
Secondary	Cancellation fee within cooling off period			Buildings and contents
Secondary	Cancellation fee after cooling off period			Buildings and contents
Secondary	Payment Default Fee			Buildings and contents
Other	Emergency helpline			Buildings and contents
Other	Claims helpline			Buildings and contents
Other	Legal advice helpline			Buildings and contents
Other	Discount for buying buildings and contents insurance?			Buildings and contents
Secondary	Insurer pays switching fees			Buildings and contents
Other	Notice if insurer cancels			Buildings and contents

Table last updated in March 2020. Next update in February 2021.

What is Age Co's claims number?

If you need to make a claim with Age Co home insurance call:

• 0345 602 5273 if your policy is underwritten by Ageas Insurance Limited
• 0800 028 2813 if your policy is underwritten by Prestige Underwriting Services Limited

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

Find out more about claiming successfully in our guide to making a home insurance claim.

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