Age UK in 60 seconds
Age UK Insurance at a glance (2026)
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About Age UK Insurance
The charity Age UK was created in April 2009 by the merger of Age Concern England and Help the Aged. It is now the UK's largest charity dedicated to older people, with around 120 local Age UK branches and an annual income of around £180 million from donations, grants and trading.
Age UK Insurance is the commercial arm. Policies are sold under the Age UK brand but are underwritten by Ageas Insurance Ltd, the UK arm of Belgian insurer Ageas SA/NV. A profit-share agreement returns around £7 million a year to the charity to fund advice, befriending and campaigning work.
Age UK or Age Co?Between 2018 and 2023 Age UK's commercial products were rebranded Age Co to make the link with the charity clearer. The Age Co brand was retired in 2023 and policies are now sold under the Age UK name again.
Structure: a charity with a trading arm
Age UK Enterprises Ltd is a wholly-owned subsidiary of the registered charity Age UK. The trading arm donates its profits to Age UK each year. Insurance products are arranged and administered by Age UK Enterprises but underwritten by external insurers; Ageas Insurance Ltd is the principal underwriter for home, motor and pet.
Strategy: tailored cover for older customers
Age UK's product range is designed around older customers' needs. Travel insurance, in particular, has no upper age limit and covers pre-existing medical conditions that most mainstream insurers refuse or charge heavily for. Home and motor policies emphasise simple wording, low admin fees and a UK call centre with no time pressure.
In 2024 Age UK announced a long-term renewal of its Ageas partnership and a refresh of the over-50s home and motor wording, including extended cover for downsizing, equity-release homes and shared-ownership properties.
Age UK insurance: cover and prices in 2026
Age UK Insurance focuses on the products most relevant to older customers: home, motor, travel, pet and equity release. There is no business, van or commercial cover.
The Age UK product range
Age UK Travel Insurance
Single trip or annual multi-trip with no upper age limit. Covers a wide range of pre-existing medical conditions including cancer, heart disease and diabetes.
- No upper age limit.
- £10m emergency medical cover.
- 24/7 worldwide assistance.
Age UK Home Insurance
Buildings, contents or combined. No exclusions or higher excess for older policyholders. Simple wording and a UK contact centre with no scripted time limits.
- Up to £1m buildings cover.
- Up to £75,000 contents cover.
- Optional home emergency add-on.
Age UK Car Insurance
Comprehensive cover designed for older drivers. No upper age limit on policies; bonus protection available; courtesy car included as standard on comprehensive.
- No upper age limit.
- Bonus protection included.
- Courtesy car as standard.
Age UK Pet Insurance
Lifetime cover with no upper age limit at renewal. Three tiers; vet-fee limits up to £7,500 a year. Cover for older pets where many providers stop renewing.
- No upper age limit at renewal.
- Vet-fee limits up to £7,500.
- Multi-pet discount available.
Age UK Equity Release
Lifetime mortgages arranged by HUB Financial Solutions. Free initial advice; products from a panel of Equity Release Council members with no-negative-equity guarantee.
- Free initial advice.
- No-negative-equity guarantee.
- Lump sum or drawdown options.
Age UK Funeral Plans
Pre-paid funeral plans arranged by Co-op Funeralcare. Lock in the cost of the funeral director's services at today's prices. Authorised and regulated by the FCA from 2022.
- Fix the cost at today's prices.
- Single payment or instalments.
- Plans regulated by the FCA.
Charity dividendBuying through Age UK Insurance helps fund the charity's advice services. Around £7 million a year is donated back from insurance commissions to Age UK to support its information line, befriending and campaigning work.
Making a claim with Age UK
Claims are handled by the underwriter, Ageas Insurance Ltd, but you call the Age UK Insurance claims numbers below. There is no separate claims portal; you can either call or report online via the Age UK customer-services page.
For step-by-step instructions, premium ranges and customer reviews, see our dedicated guide on Age UK travel insurance and our wider list of UK insurers.
Age UK online and the advice line
Age UK is unusual among insurers because it does not push a mobile app: many customers prefer phone or post, and the charity itself runs a free advice line for any later-life issue, from benefits to housing to scams. The current advice-line number and opening hours are published on the charity's official website at ageuk.org.uk.
- Age UK customer account: log in via ageuk.org.uk to view and renew most policies.
- Email: contact details for general queries are published on the Age UK website; sensitive issues should be raised by phone.
- Post: cheques, signed forms and complaint letters are accepted at the administration address printed on your policy schedule.
- Local branches: around 120 local Age UK branches across the country can sit down with you in person.
Free advice lineThe Age UK advice line is free to call and staffed by trained advisers who can help with any later-life issue, not just Age UK products. Find the current number and hours on the charity's official website at ageuk.org.uk.
Age UK customer service
Age UK Insurance runs separate lines for sales, existing policies and each type of claim, and these numbers change from time to time. The safest source is always the number printed on your policy documents or the official Age UK website rather than a number copied from a third-party page.
How to contact Age UK
- Find the right number: use the phone number printed on your policy documents, policy schedule or renewal letter, where the correct line for each product is listed.
- Buy, renew or amend a policy: quote, contact and renewal details for home, motor, travel, pet and equity release are published on the official Age UK website at ageuk.org.uk.
- Claims: the home and travel claims numbers are printed on your policy documents; the 24/7 travel emergency-assistance number should be saved before you fly.
- Free advice line: the charity's free helpline number for any later-life issue is published on ageuk.org.uk.
Contact Age UK online
- Customer account: log in via ageuk.org.uk to view and renew most policies.
- Live chat: available from the Age UK help pages during UK business hours.
- X (Twitter): send a DM to @age_uk for general queries (never share policy or payment details).
- Email: contact details for general queries are published on the Age UK website; sensitive issues should be raised by phone.
Writing to Age UK
Age UK Insurance is administered by Ageas in Eastleigh. For policy correspondence and complaints, write to the address printed on your policy schedule rather than the charity's office. The charity's current registered and correspondence addresses are published on its official website at ageuk.org.uk.
How to complain about Age UK Insurance
Raise the issue first with Age UK by phone, in your customer account or in writing. If Age UK does not resolve the complaint within eight weeks, or you receive a final response you disagree with, you can escalate the complaint to the Financial Ombudsman Service free of charge.
Is Age UK a good insurer? Reviews and ratings
Age UK consistently ranks among the best UK insurers for older customers. The 2025 Which? Recommended Provider survey lists Age UK for travel insurance for over-65s and for pre-existing conditions cover. On Trustpilot, Age UK Insurance sits at around 4.4/5 from more than 25,000 reviews, ahead of most mainstream insurers on service for older customers.
The most common criticism in reviews is that price is rarely the cheapest on aggregators: Age UK competes on cover and service for older customers, not headline price. Travel cover, in particular, is priced for people other insurers refuse, so a head-to-head comparison with a younger, healthier policyholder is not like-for-like.
If price is your priority, run an Age UK quote alongside our list of the best UK insurance providers before you renew.
Age UK news 2024–2026
- 2024: Age UK renews its long-term partnership with Ageas Insurance Ltd for home, motor and pet underwriting.
- March 2024: Refresh of the over-50s home wording adds cover for downsizing, equity-release homes and shared-ownership properties.
- July 2025: Age UK extends travel-insurance medical screening to cover a wider range of cancer treatments without loading.
- 2026: Age UK passes £7m in annual donations from insurance commissions to fund advice and befriending work.
Age UK timeline
- 1940: Help the Aged founded (then known as the Old People's Welfare Committee).
- 1971: Age Concern England formally established as the national umbrella body.
- 2009: Age Concern and Help the Aged merge to form Age UK.
- 2018: Insurance products rebranded Age Co to clarify they are commercial, not charitable.
- 2023: Age Co brand retired; products return to the Age UK name.
- 2024: Ageas underwriting partnership renewed for another five years.
- 2025: Travel-insurance medical screening extended to cover wider cancer-treatment plans.
- 2026: Annual donations from insurance commissions reach £7m.
Age UK FAQ
Yes. Age UK Insurance is administered by Age UK Enterprises Ltd and underwritten by Ageas Insurance Ltd, both authorised and regulated by the Financial Conduct Authority. Policyholders are protected by the Financial Services Compensation Scheme (FSCS): 90% of an insurance claim is covered with no upper limit on most general insurance products.
No upper age limit applies on Age UK's travel, home or motor insurance. The brand is specifically designed for older customers and continues to renew policies regardless of age, provided you meet the standard medical and risk-assessment criteria.
Yes, today. Age Co was the trading name used by Age UK Enterprises between 2018 and 2023. From 2023 the Age Co brand was retired and policies are sold under the Age UK name again. Existing Age Co policies remain valid until their next renewal.
Yes. Age UK Enterprises Ltd is a wholly-owned subsidiary of the registered charity Age UK and donates its profits to fund the charity's work. Around £7 million a year is returned to Age UK from insurance commissions, supporting the advice line, befriending and campaigning.
You have a 14-day cooling-off period on any new Age UK policy in which you can cancel and receive a full refund minus a small admin fee. After the cooling-off period, you can still cancel but Age UK will keep the portion of premium covering the time on risk plus an admin fee.