Age UK Trading is the commercial arm of Age UK - the charity which provides a number of support services to help the elderly. The charity was founded in 2009.Age offers car, home, travel and motor breakdown insurances. Due to Age Co's focus on helping older people, you must be over 50 to apply for them.Its head offices are in London.
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Car insurance
2 products reviewed
Electric Car Insurance
2 products reviewed
Age UK Trading
Car Insurance (with guaranteed hire car)
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
Unlimited
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | Yes |
| Windscreen repair excess |
£20.00
|
| Windscreen replacement excess |
£95.00
|
| Cover limit for stolen keys |
Unlimited
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
Age UK Trading
Car Insurance
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | No |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
Unlimited
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£20.00
|
| Windscreen replacement excess |
£95.00
|
| Cover limit for stolen keys |
Unlimited
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
Courtesy Car (Add-on)
1 product reviewed
Age UK Trading
Hire Car (enhanced) Cover
Home emergency cover
2 products reviewed
Boiler Breakdown Cover
2 products reviewed
Age UK Trading
Silver Home Emergency
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£1.77
|
| No claims period (Boiler) |
0
|
| Boiler repair cover limit |
£1,000.00
|
| No claims period |
0 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£500.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£1.77
|
| Underwriter |
Liverpool Victoria Insurance Company Limited
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
Not stated
|
| Temporary emergency heating |
£0.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
0
|
| Boiler replacement (BER) within 0-4 years cover limit |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£500.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£500.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£3.00
|
| Primary flue | Yes |
| Boiler controls |
Not mentioned
|
| Alternative accommodation cover |
£250.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service | No |
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-04-07
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Age UK Trading
Gold Home Emergency
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£1.77
|
| No claims period (Boiler) |
0
|
| Boiler repair cover limit |
£1,000.00
|
| No claims period |
0 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£500.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£1.77
|
| Underwriter |
Liverpool Victoria Insurance Company Limited
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
Not stated
|
| Temporary emergency heating |
£0.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
0
|
| Boiler replacement (BER) within 0-4 years cover limit |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£500.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£500.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£3.00
|
| Primary flue | Yes |
| Boiler controls |
Not mentioned
|
| Alternative accommodation cover |
£250.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service | No |
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-04-07
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Home insurance (building and contents)
5 products reviewed
Buildings insurance
2 products reviewed
Age UK Trading
Gold
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£500.00
|
| Matching sets (Buildings) |
50% of the cost of replacing the undamaged parts
|
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Age UK Trading
Silver
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£500.00
|
| Matching sets (Buildings) |
50% of the cost of replacing the undamaged parts
|
| Frozen pipes | Yes |
| Trace and access |
£0.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Contents insurance
2 products reviewed
Age UK Trading
Gold
| Feature | Value |
|---|---|
| Matching sets (contents) |
50% of the cost of replacing the undamaged parts
|
| Theft from outbuildings |
Sum insured
|
| Cover for items away from home |
Optional
|
| Money in the home |
£500.00
|
| Property owner liability |
£5,000,000.00
|
| Escape of water excess (minimum) |
£500.00
|
Age UK Trading
Silver
| Feature | Value |
|---|---|
| Matching sets (contents) |
50% of the cost of replacing the undamaged parts
|
| Theft from outbuildings |
Sum insured
|
| Cover for items away from home |
Optional
|
| Money in the home |
£250.00
|
| Property owner liability |
£5,000,000.00
|
| Escape of water excess (minimum) |
£500.00
|
Home Legal Cover
1 product reviewed
Age UK Trading
Home Legal Expenses
| Feature | Value |
|---|---|
| Limit of indemnity per claim |
£100,000.00
|
| Employment - employee | Yes |
| Property damage | Yes |
| Contract disputes - pursue | Yes |
| Property disputes | Yes |
| Standard advisors cost |
£132.00
|
| Employment - excess |
£0.00
|
| Contract disputes - defend | Yes |
| Data protection | No |
| Jury service - maximum indemnity limit |
N/A
|
Motor Legal Cover
1 product reviewed
Age UK Trading
Motor Legal Protection
| Feature | Value |
|---|---|
| Uninsured loss recovery Limit |
£100,000.00
|
| Personal Injury limit |
£100,000.00
|
| Motor Prosecution defence Limit |
£100,000.00
|
| Uninsured driver benefit | No |
| Consumer Disputes Limit |
£0.00
|
| Database Disputes Limit |
£0.00
|
| Vehicle Cloning Limit |
£0.00
|
| Uninsured driver benefit (Minimum pay out) |
£0.00
|
Our unique Customer Experience Ratings help consumers find companies that offer a good service.
Home insurance (building and contents)
Ranked 26th of 47 providers reviewed
| Customer happiness score | 61.58% |
|---|---|
| Customer trust score | 54.56% |
| Complaints performance | 63.15% |
| Transparency rating | 71.81% |
|
Fairer Finance Score Reviewed Autumn 2026 |
62.77% |