Age UK, the country's leading charity for older people, offers home insurance through its commercial arm, Age Co. While the charity itself focuses on support and advocacy, Age Co provides financial products designed specifically for the over-50s.
Age Co home insurance is not underwritten by the charity itself. Instead, it is provided through a partnership with LV= (Liverpool Victoria), one of the UK’s most respected insurers. This partnership allows customers to support the charity (as Age Co donates its profits to Age UK) while receiving high-quality cover from a mainstream insurer.
A key selling point for Age Co policies is their transparency and lack of hidden costs - they are one of the few providers to offer 0% APR on monthly payments and no admin fees for changes or cancellation.
You can get independent advice and a personalised quotes comparison of Age Co’s home insurance deals from one of our expert advisers below:
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They will round up personalised quotes from Age UK and alternative providers and offer bespoke advice on which one to choose.
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What type of home insurance do they provide?
Age Co simplifies the market by offering two distinct levels of cover: Silver and Gold. Both are underwritten by LV= but offer different levels of protection.
Buildings insurance
This covers the structure of your home, including walls, roofs, and permanent fixtures.
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Cover limits: Both Silver and Gold tiers typically offer £1 million buildings cover, which is sufficient for the vast majority of UK homes.
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Trace and Access: The Gold tier includes cover to find the source of a leak (up to £5,000). This is not included in the Silver tier.
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Alternative Accommodation: If your home is uninhabitable, Silver covers up to £30,000, while Gold increases this to £75,000.
Contents insurance
This protects your household goods and personal belongings against theft, fire, and flood.
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Cover limits: You can typically choose between £60,000 or £80,000 cover depending on your needs.
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New for Old: Items are replaced on a new-for-old basis (except for clothing and linen).
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Garden Cover: The Gold tier includes cover for contents in the garden, which is often an optional extra elsewhere.
Combined home & contents cover tiers
Most customers opt for a combined policy. Here is how the two tiers compare:
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Age Co Silver: A solid, lower-cost policy. It covers the essentials (fire, theft, storm) but leaves out "nice-to-haves" like Trace and Access, Home Emergency, and Accidental Damage (though these can often be added for a fee).
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Age Co Gold: The comprehensive option. Rated 5 Stars by Defaqto, it includes Accidental Damage, Home Emergency, and Trace & Access as standard. It also offers higher limits for alternative accommodation and lost keys.
How Age Co calculates premiums
Age Co (via LV=) calculates premiums based on standard risk factors, but they are known for fair pricing for older customers who may be seen as "lower risk" by insurers due to spending more time at home. Factors include:
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Age: Products are designed for the over-50s, often resulting in competitive pricing for this demographic.
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Location: Postcode risk for flooding and theft.
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Security: Approved locks and alarms can lower premiums.
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Payment Method: Uniquely, Age Co does not charge extra interest for paying monthly, making it a great option for those managing a monthly pension budget.
Pros and cons
Here are the pros and cons for the Age Co home insurance offering:
Age Co Gold Home Insurance
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Pros |
Cons |
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No Admin Fees: No charge to cancel or amend the policy. |
Premiums are higher than the Silver tier. |
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0% Monthly Interest: Spread the cost without paying APR. |
Maximum contents limits (e.g., £80k) might be low for very high-value estates. |
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Inclusive Extras: Home Emergency, Accidental Damage, and Trace & Access included as standard. |
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Charitable Support: Profits from Age Co go to Age UK. |
Age Co Silver Home Insurance
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Pros |
Cons |
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Lower Cost: A cheaper option for those who don't need bells and whistles. |
No Trace & Access: Finding a leak is at your own cost. |
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No Admin Fees: Still benefits from the "no fees" promise. |
No Accidental Damage: Spilling paint on a carpet isn't covered standard. |
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0% Monthly Interest: Pay monthly at no extra cost. |
Home Emergency cover is an optional extra. |
Customer reviews
Age Co generally enjoys a strong reputation, particularly for its customer service which is tailored to older people (e.g., no automated phone menus, UK-based call centres).
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Trustpilot: Age Co has a rating of Excellent (approx. 4.6 out of 5), with customers praising the clarity of information and the polite, patient telephone staff.
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Defaqto: The Age Co Gold policy is rated 5 Stars, indicating it provides one of the highest quality offerings in the market. The Silver policy typically holds a 3 or 4-star rating.
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Claims: As claims are handled by LV=, customers benefit from a highly-rated claims service that won Moneywise’s "Most Trusted Home Insurer" award in previous years.
How to get an Age Co home insurance quote
You can apply for Age Co home insurance directly through their website or over the phone. However, because Age Co is a brand name for an LV= policy, it is always worth comparing.
Sometimes, you might find a similar LV= policy cheaper through a broker or a different brand, though you may lose the specific "Age Co" benefits like 0% APR and no admin fees.
At Money Helpdesk, our home insurance experts can help you review your options to see if Age Co provides the best value for your specific situation.
If you are wondering whether Age Co is the right choice for your home insurance, get in touch and we will review this for you.