Home Insurance

 
 
Get a quote today
 
 

Age UK Home Insurance is designed for the over 50's and has no hidden fees and no nasty surprises.

Get your buildings and contents insurance quote today.

Age UK Home Insurance is provided by Ageas Insurance Limited.

We understand how important it is to rely on your buildings and
contents insurance.

opens link in new window Switch to Age UK Home Insurance today and get a cancellation refund of up to £40^^

Contents insurance is designed to protect personal belongings in your home and can provide peace of mind. Especially for those items we have had for many years. Protect your home and its contents with Age UK Home Insurance. 

Buildings insurance is just as important. Your home may be vunerable to risks such as falling trees, lampposts, storm or flood. It is essential your very foundations are covered. Protect your home with buildings insurance offered by Age UK.

Age UK Home Insurance offers:

  • Pay by interest-free monthly instalments at no extra cost
    (0% APR Representative)
  • Award winning insurer^
  • Choice of contents or buildings insurance cover or both
  • Contents insurance cover for up to £60,000
  • Buildings insurance cover for up to £500,000†
  • A standard excess of just £45†† (conditions apply)
  • Identity theft helpline
  • ‘New for Old’ cover
  • No hidden fees


Buildings and contents insurance will cover you against the following:***

  • Fire, explosion, lightning, earthquake
  • Storm or flood
  • Collisions or impact by any vehicle, trains, aircraft or animals
  • Riot or malicious damage
  • Escape of water or oil from fixed installations
  • Theft or attempted theft
  • Falling trees, branches, telegraph poles and lamp posts
  • Subsidence, ground heave or landslip

Exclusions apply. For further details, please request a policy booklet.

What you say

Mr Carr, Brighton

"Thank you for the courteous and efficient way with which you dealt with my claim."

Extra benefits: Available 24 hours, 365 days a year.

24-hour domestic emergency service: A local authorised repairer can visit your home and you will be advised of any charges beforehand. If the incident is covered by your policy, the cost will be repaid (minus any excess).

Identity theft helpline services: If you are a victim or worried about identity theft, there is advice and guidance.

24-hour legal helpline: Expert independent and confidential advice on any legal problem. 

Optional additional voluntary excess: If you agree to pay an additional excess of either £50, £100 or £250 for your buildings and contents insurance cover, you can reduce your insurance premium. This is on top of the standard £45 policy excess.

opens link in new window Download the Home Insurance Policy booklet PDF (911KB)

† On standard construction properties

†† Exceptions include subsidence, for which there is typically a £1,000 excess; £100 subsidence excess for properties under ten years old; £245 for escaping water claims.

^ Ageas – Winner “General Insurer of the year” at the British Insurance Awards 2011 and “customer care Award” at the Post Magazine Claims Awards 2011.

^^ The administrative/cancellation fee refund of up to £40 will be made up to 60 days after the claim is received together with a confirmation letter from your existing insurer. This letter should state that your policy has been cancelled, and the cancellation charge amount. The original documents should not be sent, only a copy. Your copy will not be returned. The refund will be paid to you by cheque. This offer only applies to new home insurance policies bought over the phone, online, or an Age UK insurance office (for either buildings, contents or both) before 31 December 2013. Refund forms must be received within 60 days of the Age UK Home Insurance policy start date. This offer may be withdrawn or amended at any time. In the event of the offer being withdrawn only policies purchased before the withdrawal date will be honoured. The refund will not be paid if the Age UK Home Insurance policy has been cancelled within the 14 days cooling off period. Only one administrative/cancellation fee claim can be made per policy. Payment can only be made to the policyholder identified on the policy document. No Claims Discount can be affected by cancelling cover mid-term. Your full premium may be taken if your policy is cancelled mid term. Pro rata refunds differ from company to company. Cancellation notice periods differ from insurer to insurer and can take up to seven days. We advise you to check with your existing insurer before cancelling and setting up an Age UK policy. Terms and conditions apply. The decision of Age UK Enterprises Limited in regards to this promotion is final.

*If you call the 0800 number, you may be transferred to an Age UK/Age Concern office, or Ageas Insurance Limited.

** Not all Age UKs/Age Concerns offer all products. Please check (by calling your local office) before arranging a visit.

*** Exclusions apply. For further details, read the Home Insurance policy booklet.

You have fourteen days from when you receive your policy schedule or enter into this contract, whichever is later, to write to Ageas if you want to cancel your policy. If you cancel your policy during this period of time, as long as you have not made a claim, Ageas will give you a refund for the period of time that was left on your policy.

Age UK Enterprises Limited is registered in England and Wales no 3156159. Registered office: Tavis House 1-6 Tavistock Square, London WC1H 9NA.

Age UK Enterprises Limited is the commercial arm of Age UK (registered charity number 1128267) and donates its net profits to Age UK. Age UK is a registered trademark. The use of the name and logo ‘Age UK’ is done so under licence agreement between Age UK and Age UK Enterprises Limited.

Ref: H1217V14DEC12

Below are a few of the questions customers often ask about Age UK Home Insurance, so we hope the answers will be helpful for you.

Grandma and grandchild knittingQ. Do I have to take out both contents and buildings insurance?

A. No. If you live in rented accommodation, your landlord should have buildings insurance and you only need contents insurance. However, if you own your home, it’s highly recommended to have both contents and buildings insurance.

Q. How are claims settled?

A. All claims for contents cover are settled on a ‘new for old’ basis. So, damaged items will be repaired and anything stolen or damaged beyond repair will be replaced as new. With buildings cover, claim settlements are based on the full repair or rebuilding cost. Please note, the sum insured must be high enough to cover the full replacement or rebuilding cost at today’s prices.

What you say

A Home Insurance customer, Oxon

"I wish to thank you for handling my claim so effectively, from the first phone call to you through to the finished job, everything went smoothly and well. I recommend you to others."

Q. Do I need to have any specific locks on my doors and windows to qualify for home insurance?

A. Not necessarily. But if you need to insure high sums or depending on the area you live in, you may need to take additional precautions as part of the arrangements for providing your cover. If so, we’ll let you know and give you time to fit them. See the Policy booklet for more details.

Q. What if I change my mind?

A. If you’re not satisfied with your policy, you can return it to Ageas Insurance Limited within 14 days for a refund. See the Policy booklet for more details. †

Q. How do I add an optional extra, such as accidental damage, to my cover?

A. We are happy to discuss the options with you, so that you can decide what cover you need. When you apply, just let us know which extras – if any – you want to include in your cover.

Q. Do I pay extra if I change my policy?

A. If you make a change to your policy during the period of insurance and the difference in the premium is less than £10, we will neither request additional payment nor make a refund. We will not add an additional administration charge.

opens link in new window Download the Home Insurance Policy booklet PDF (911KB)

*If you call the 0800 number, you may be transferred to an Age UK/Age Concern office, or Ageas Insurance Limited.

† You have fourteen days from when you receive your policy schedule or enter into this contract, whichever is later, to write to Ageas if you want to cancel your policy. If you cancel your policy during this period of time, as long as you have not made a claim, Ageas will give you a refund for the period of time that was left on your policy.

Age UK Enterprises Limited is registered in England and Wales no 3156159. Registered office: Tavis House 1-6 Tavistock Square, London WC1H 9NA.

Age UK Enterprises Limited is the commercial arm of Age UK (registered charity number 1128267) and donates its net profits to Age UK. Age UK is a registered trademark. The use of the name and logo ‘Age UK’ is done so under licence agreement between Age UK and Age UK Enterprises Limited.

Ref: H1217V12JUL12

Age UK Home Insurance offers a range of cover options for you to choose from.

Grandmother and grandchildrenBuildings insurance

Buildings insurance covers your home and fixtures and fittings, garages, garden walls, gates, hedges, fences, paths, drives and patios, carports, permanently fixed hot tubs or jacuzzis, hard tennis courts and outbuildings.

  • Accidental breakage to fixed glass and ceramic hobs built into cookers that are permanent fixtures in your home, sanitary fixtures and fittings in your home and solar panels.
  • Professional fees and costs incurred as a result of damage insured under your policy.
  • The cost of repairing accidental breakage to the fabric of cables, underground pipes, drains and tanks.
  • Rent and alternative accommodation up to 20 per cent of your maximum claim limit.
  • Up to £2 million for your legal liability as a property owner
  • Damage caused by emergency services up to your maximum claim limit.
  • ‘New for old’ cover.
  • Accidental loss of metered water or oil in domestic heating systems up to your buildings maximum claim limit.

Contents insurance

Protection for your household goods, valuables, money, credit cards and personal belongings in your home and garden.

  • Accidental breakage in your home to fixed glass in mirrors, glass tops to furniture and ceramic hobs in free-standing cookers.
  • Replacement of external locks if keys are lost or stolen.
  • Rent and alternative accommodation up to 20 per cent of your maximum claim limit.
  • Up to £5,000 if a member of the family suffers a fatal injury as a result of certain causes covered in your policy.
  • Public and personal liability up to £2 million.
  • Liability for domestic staff up to £10 million.
  • Tenant’s liability for damage to the building (up to 20 per cent of the maximum claim limit).
  • Accidental damage to TVs, videos, audio equipment and personal computers in the home.
  • ‘New for old’ cover.
  • Accidental damage to wheelchairs and stairlifts in the home
  • Accidental loss of metered water or oil in domestic heating systems up to your contents’ maximum claim limit.
  • Theft of money from your home by bogus officials.
  • Garden cover up to £1,500 for loss or damage to hedges, lawns and plants.

Personal legal protection

Up to £50,000 to pursue or defend legal disputes. You can add this to your policy for a small extra cost.

Personal belongings away from the home

This is available when you take out contents insurance. It provides wider cover for your personal property – not just inside your home, but anywhere in the world.

You can also add:

  • Unspecified personal belongings for items with an individual value of up to £2,000 (£1,000 limit applies where only £1,000 cover limit is selected)
  • Personal money (up to £500) and credit cards (up to £1,000)
  • Pedal cycle (up to £300) and mobile phone (up to £300)
  • Wheelchairs and pavement vehicles (up to £2,000)
  • Any item you decide to specify will be individually listed in your schedule. A professional valuation not more than two years old will be required as proof of value and ownership, in the event of a claim for any specified item valued at £2,500 or above.

Excess

You pay the first £45 part of each claim for loss or damage (£1,000 for subsidence, ground heave or landslip under the buildings section; £100 subsidence excess for a property under ten years old; £245 for escaping water claims).

Eligibility

You can take out Age UK Home Insurance providing your home is:

  • occupied solely by you and your family
  • your permanent residence
  • in the UK, Isle of Man or the Channel Islands
  • free from subsidence and underpinning 
  • where the cost of rebuilding does not exceed £500,000
  • is not a grade 1 listed building
  • for buildings cover, the property must be owned by you

Cover cannot be provided if you or anyone living with you has:

  • had a previous insurance subjected to increased terms or conditions or cover withdrawn or refused
  • been declared bankrupt or has a current County Court Judgement made against them

opens link in new window Download the Home Insurance Policy booklet PDF (911KB)

*If you call the 0800 number, you may be transferred to an Age UK/Age Concern office, or Ageas Insurance Limited.

You have fourteen days from when you receive your policy schedule or enter into this contract, whichever is later, to write to Ageas if you want to cancel your policy. If you cancel your policy during this period of time, as long as you have not made a claim, Ageas will give you a refund for the period of time that was left on your policy.

Age UK Enterprises Limited is registered in England and Wales no 3156159. Registered office: Tavis House 1-6 Tavistock Square, London WC1H 9NA.

Age UK Enterprises Limited is the commercial arm of Age UK (registered charity number 1128267) and donates its net profits to Age UK. Age UK is a registered trademark. The use of the name and logo ‘Age UK’ is done so under licence agreement between Age UK and Age UK Enterprises Limited.

Ref: H1217V13SEP12

Here is a summary of what is covered by Age UK Home Insurance as well as optional extras and exclusions.

Summary of cover

Cover

Buildings

Contents

Standard policy limits
Buildings Yes N/A The maximum claim limit shown on your policy schedule
Trace and access source of leak for escape of water and escape of oil causes Yes N/A £5,000
Property owners' liability Yes N/A £2 million
Contents N/A Yes The maximum claim limit shown on your policy schedule
Maximum claim limit for any valuable N/A Yes £2,000
Valuables in the home N/A Yes The maximum claim limit shown on your policy schedule
Money N/A Yes £500
Credit cards N/A Yes £1,000
Freezer food N/A Yes £1,000
Public and personal liability N/A Yes £2 million
Unpaid damages N/A Yes £2 million
Tenant's liability N/A Yes 20% of the maximum claim limit for contents shown on your policy schedule 
Loss or damage to contents during removal N/A Yes Up to the maximum claim limit for contents shown on your policy schedule
10% increase in the maximum claim limit for religious festivals, birthdays, family wedding and civil partnership ceremonies N/A Yes Up to the maximum claim limit for contents shown on your policy schedule
Counselling fees N/A Yes £1,000
Garden cover N/A Yes £1,500
Accidental breakage to audio and visual equipment, DVD equipment, glass, mirrors and personal computers N/A Yes Up to the maximum claim limit shown on your policy schedule
Fraudulent use of credit cards N/A Yes £1,000
Carer's contents N/A Yes £250
Items covered while living in a nursing home, residential care home or staying with family or friends N/A Yes Up to 20% of the maximum claim limit for contents shown on your policy schedule
Medical equipment on loan N/A Yes £5,000
Accidental damage to wheelchairs and stairlifts in the home N/A Yes Up to the maximum claim limit for contents shown on your policy schedule
Rent and alternative accommodation Yes Yes 20% of the buildings and/or contents maximum claim limit shown on your policy schedule

Optional covers available

Cover

Buildings

Contents

Standard policy limits
Accidental damage to building and contents Yes Yes Up to the buildings or contents maximum claim limit shown on your policy schedule
Unspecified personal belongings N/A Yes Limited to £1,000 - £5,000
Specified personal belongings N/A Yes Limited up to £10,000
Pedal cycles N/A Yes Limited to £300 unspecified and £1,000 specified
Personal legal protection Yes Yes £50,000
Static caravan Yes Yes Your choice
Touring caravan Yes Yes Limited up to £20,000


Main exclusions

Cover

What is not insured
Buildings Loss or damage caused by weight of snow. Storm or flood loss or damage to gates, hedges or fences. Subsidence caused by settlement unless the settlement is caused by subsidence of the site on which the buildings stand
Contents Loss or damage caused by weight of snow. Theft or attempted theft when your home or any part of it is lent, let or sublet to or occupied by someone who is not a member of your family, unless force causing damage to the main building of the home was used to get in or out of the building 
Accidental damage extensions Damage caused or resulting from chewing, scratching, tearing or fouling by domestic animals or pets. Damage caused by or resulting from wet rot or dry rot or other gradual causes
Unspecified personal belongings extension Any amount over £1,000 for theft or disappearance of property from unattended locked motor vehicles. Loss or damage caused to dentures whilst being used for eating and to crowns, caps or fillings in teeth
Specified personal belongings extension Any amount over £1,000 for theft or disappearance of property from unattended locked motor vehicles. Loss or damage caused by theft or attempted theft from an unlocked hotel room, motel room, bed & breakfast bedroom or other similar temporary lodging
Pedal cycles extension Cuts, bursts or punctures to tyres. Theft or attempted theft of an unattended pedal cycle away from the home unless the pedal cycle is either in a locked building or secured by a suitable chain and padlock (or cycle lock) to a post, cycle rack or immovable object
Family legal protection Costs and expenses before DAS Legal Expenses Insurance Company Limited accept a claim in writing.
Static caravan Malicious damage caused to television sets (and their aerials), satellite receivers or decoders, radios, audio equipment, video recording equipment, DVD players or desk-top computers when your caravan is unoccupied or while the caravan site is closed.
Touring caravan Loss or damage caused by the caravan being stolen at any time, unless it is fitted with a hitchlock or wheelclamp that is working properly
General policy exclusions applicable to all sections and extensions Property more specifically covered by another policy of insurance. Any criminal or deliberate act by you or your family

opens link in new window Download the Home Insurance Policy booklet PDF (911KB)

*If you call the 0800 number, you may be transferred to an Age UK/Age Concern office, or Ageas Insurance Limited.

You have fourteen days from when you receive your policy schedule or enter into this contract, whichever is later, to write to Ageas if you want to cancel your policy. If you cancel your policy during this period of time, as long as you have not made a claim, Ageas will give you a refund for the period of time that was left on your policy.

Age UK Enterprises Limited is registered in England and Wales no 3156159. Registered office: Tavis House 1-6 Tavistock Square, London WC1H 9NA.

Age UK Enterprises Limited is the commercial arm of Age UK (registered charity number 1128267) and donates its net profits to Age UK. Age UK is a registered trademark. The use of the name and logo ‘Age UK’ is done so under licence agreement between Age UK and Age UK Enterprises Limited.

Ref: H1217V13SEP12

Age UK Home Insurance offers great value insurance cover on park homes and caravans. 

Park homes and caravansPark Home and Static caravans

If you live in a Park Home or static caravan, then you can trust Age UK Home Insurance to offer great value cover. So, why not contact Age UK Home Insurance for a no-obligation quotation?

Touring, Static Holiday Caravans and Holiday Park Homes

Cover is also available as an optional extra under Age UK Home Insurance policy.

  • An award-winning insurer ^
  • A standard excess of just £45†
  • Pay by interest-free monthly instalments (0% APR Representative)
  • Legal liability up to £2,000,000
  • Cover for the cost of alternative accommodation

opens link in new window Download the Home Insurance Policy booklet PDF (911KB)

Notes

^ Ageas – Winner “General Insurer of the year” at the British Insurance Awards 2011 and “customer care Award” at the Post Magazine Claims Awards 2011.

† Higher excesses apply for certain types of claims.

*If you call the 0800 number, you may be transferred to an Age UK/Age Concern office, or Ageas Insurance Limited.

You have fourteen days from when you receive your policy schedule or enter into this contract, whichever is later, to write to Ageas if you want to cancel your policy. If you cancel your policy during this period of time, as long as you have not made a claim, Ageas will give you a refund for the period of time that was left on your policy.

Age UK Enterprises Limited is registered in England and Wales no 3156159. Registered office: Tavis House 1-6 Tavistock Square, London WC1H 9NA.

Age UK Enterprises Limited is the commercial arm of Age UK (registered charity number 1128267) and donates its net profits to Age UK. Age UK is a registered trademark. The use of the name and logo ‘Age UK’ is done so under licence agreement between Age UK and Age UK Enterprises Limited.

Ref: H1217V13SEP12

We have useful helpful tips on how to keep your home and valuables safe from damage or theft and protect yourself from bogus callers.

Man with his grandsonHelpful home insurance tips

opens link in new window Download the Home Insurance Policy booklet PDF (911KB)

*If you call the 0800 number, you may be transferred to an Age UK/Age Concern office, or Ageas Insurance Limited.

You have fourteen days from when you receive your policy schedule or enter into this contract, whichever is later, to write to Ageas if you want to cancel your policy. If you cancel your policy during this period of time, as long as you have not made a claim, Ageas will give you a refund for the period of time that was left on your policy.

Age UK Enterprises Limited is registered in England and Wales no 3156159. Registered office: Tavis House 1-6 Tavistock Square, London WC1H 9NA.

Age UK Enterprises Limited is the commercial arm of Age UK (registered charity number 1128267) and donates its net profits to Age UK. Age UK is a registered trademark. The use of the name and logo ‘Age UK’ is done so under licence agreement between Age UK and Age UK Enterprises Limited.

Ref: H1217V13SEP12

 
Get a quote today
 
 

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    ** Not all Age UKs/Age Concerns offer all products. Please check (by calling your local office) before arranging a visit.

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    Age UK, Tavis House, 1-6 Tavistock Square, London WC1H 9NA. Registered charity number 1128267. Company number 6825798. © Age UK Group and/or its National Partners (Age NI, Age Scotland and Age Cymru) 2013. All Rights Reserved

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