Benefits
Age Co Car Insurance, provided by LV= is 5 Star rated by Defaqto and offers a range of features and benefits designed to suit you:
- Cover up to £500 to continue your journey, or get you back home, after an accident
- With Our Vandalism Promise you keep your NCD (No Claim Discount) should your car be vandalised and you need to make a claim to repair the damage; you’ll just need to pay your excess
- Our Uninsured Driver Promise means that if you have an accident that’s not your fault, and the other driver is not insured, as long as you have the details of the other vehicle and driver you can keep your NCD and there's no excess to pay
- Unlimited windscreen cover allows you to make claims without affecting your NCD
Why choose Age Co Over 60s Car Insurance?
At Age Co, we’re passionate about empowering others. Whether you’re 50, 60, 70, 80 or older, we want you to feel proud to be part of this community and supported by our team. With every product we offer and partnership we form, we hope to help you make the most of later life and provide the very best protection available.
Trusted partners
Age Co Car Insurance is provided by LV=, one of our carefully selected partners. As part of our community, LV= shares our values and adheres to our strict criteria for customer service. The company is also one of the UK’s most trusted car and home insurance providers, with over 6.5 million customers.
What’s covered?
What's covered?
Knowing the features and benefits your Car Insurance includes will help you make the most of your policy and pick the right cover for you. The table below provides a summary of what’s covered. It also lists the Optional Extras available for those wanting to personalise their cover.
| Car Insurance | |
Defaqto rating | 5 Star |
Upper age Limit | 110 |
Third party injury | Unlimited |
Legal costs | £5,000,000 |
Accidental or malicious damage | Included |
Personal belongings | £300 |
Windscreen cover | Up to the market value of the vehicle insured |
Replacement locks | Unlimited |
Continuing your journey or getting you to a safe place after an accident | £500 |
Medical expenses | £250 |
Misfuelling drainage and damage | Included |
Protected NCD | Optional |
Guaranteed Hire Car | Optional |
Enhanced Personal Accident | Optional |
Motor Legal | Optional |
Motor Breakdown Cover (UK and EU) | Optional |
European cover | 180 days within insurance period |
In addition to this summary, please refer to the LV='s Terms and Conditions Document and Your Cover and Limits Document for full details on your policy (terms, conditions, limitations and exclusions apply). You can also refer to the Car Insurance Product Information Document (IPID) for details specific to your quotation.
Choosing the right cover
Choosing the right insurance cover for your car
If you want to drive your car on public roads, you need to have car insurance in place. This is a legal requirement for all motorists in the UK.
The level of insurance cover you buy is down to you and should reflect your personal circ*mstances and needs.
At Age Co, we offer three different levels of cover
Third Party Only, which covers injury and vehicle damage to the other party if you are involved in an accident that is deemed your fault. This level of cover doesn’t include cover for damage to your car.
Third Party, Fire and Theft, in addition to third party only, this level of cover protects your car from damage caused by fire theft and attempted theft as well as claims from a third party, if you’re involved in an accident.
Comprehensive cover, the highest level of car insurance cover. It provides third party, fire and theft and covers the cost of repairing or replacing your car if its vandalised or involved in an accident.
Getting a quote
Before you get a quote, you'll need some information to hand
To get a car insurance quote, please have these details to hand:
Vehicle Details:
- Registration number
- Make/Model type
- Annual mileage - an estimate
Driver/s Details (Main and any additional):
- Name and Address (including postcode)
- Date of birth
- Occupation
- Type of licence and number of years held
- Any driving conviction details for the last 5 years
- Any past motor claims in the last 5 years
- No Claim Discount - number of years
Policy Documents
Your policy documents will summarise key information you need to know about your Insurance. They’ll also outline:
- How to claim
- How to make a complaint
- Details of any fees or charges that we may apply and your rights under the Financial Services Compensation Scheme (FSCS)
Please remember, your policy documents should be read together with our terms and conditions and the Your Cover and Limits document so you can understand all details including any limits that apply.
Policy documents
Use the following links to open a range of policy documents:
- Your Cover and Limits - Motor.pdf
- File size
- 268 KB
- File type
- Motor Insurance Product Information Document (IPID).pdf
- File size
- 124 KB
- File type
- Motor Legal Expenses Policy Document.pdf
- File size
- 116 KB
- File type
- Motor Breakdown Policy Document.pdf
- File size
- 304 KB
- File type
- LV='s Terms and Conditions - Motor.pdf
- File size
- 299 KB
- File type
All Age Co Car Insurance policies sold on or after 28 February 2023 are provided by LV=.
If you bought your policy on or before 22nd February, or have recently renewed your policy with us your insurance is provided by Ageas. For further details on this policy please click here.
Optional Extras
If you’d like to tailor your Car Insurance policy to suit your own needs, there are a range of Optional Extras available.
-
Protected No Claim Discount (NCD)
As an experienced motorist, you may have built up your No Claim Discount through years of driving without needing to make a claim. This can result in reductions when it comes to renewing your policy. If you want to safeguard this saving, simply add Protected NCD as an Optional Extra to your policy. That way, if you ever have to make a claim on your policy (and LV= can't recover costs from the person or people who are at fault) your NCD won’t be lost or reduced.
-
Guaranteed Hire Car
If being without your car for a prolonged period of time would cause a lot of disruption or issues for you, you may want to consider Guaranteed Hire Car as an Optional Extra. This cover guarantees use of a hire car if your own car is being repaired by our recommended repairer service, or if your vehicle has been stolen or written off.
-
Motor Breakdown
When your car fails to get started at home or runs into issues at the side of the road, having a 24-hour breakdown helpline on your side can make all the difference. With five levels of cover to choose from, LV='s Motor Breakdown service provides access to over 4,000 breakdown professionals across the UK, ready to repair or recover you and your vehicle.Age Co Motor Breakdown cover is provided by LV= Britannia Rescue as part of the Car Insurance product.
-
Motor Legal
Motor Legal cover protects you from the potential costs of legal action (up to £100,000) if you're involved in a car accident. You can use Motor Legal cover to help you in a number of situations including:· taking action against a road user· defending yourself against a motoring prosecution· recovering any uninsured losses like personal injury compensation· loss of earnings or hire car costs while your vehicle is being fixed
-
Increased Personal Accident Cover
£10,000 of personal accident cover is included as standard with our comprehensive car insurance to protect you, your partner or a named driver on the policy if you or they suffer a serious injury while travelling in, or getting into or out of your car. You can increase your personal accident cover to £100,000 (payable for each eligible person). You will also benefit from an additional cash payment if you, your partner or a named driver are admitted to hospital as a result of an accident in the car. This includes in-patient and out-patient follow up admissions, within 12 months, for injuries from the accident.
Frequently asked questions
About our insurance cover
Can anyone take out an Age Co Car Insurance policy?
Age Co Car Insurance can be taken out by people of any age, we cover up to 110. However, we use our expertise and research into the needs of older people and have selected LV= as the provider of our car insurance because we recognise their products and customer service as suitable for our customers.
Can young drivers be included on the policy?
Younger named drivers can be included on the policy, subject to acceptance by our insurer, LV=.
Can I insure two cars at the same time?
Yes, there are two ways to do this with LV=. You can either take out a multi-car insurance policy, or you can take out two separate car insurance policies. If you choose our multi car insurance, we'll give you an extra discount and you can insure up to 6 vehicles on one policy.
If you need to add another vehicle to your policy temporarily, you'll need to call LV= for a quote on 0330 678 5226
Lines Open:
- 8am - 8pm Monday to Friday
- 9am - 5pm Saturday
- 9am - 5pm Sunday and Bank Holidays
Calls will be recorded. For Text Phone first dial 18001
What is 'No Claim Discount' (NCD)?
This is a discount on your Car Insurance premium if you have not made a claim in previous years.
How can I get the maximum no claim discount?
If you have nine or more years no claim discount (NCD), our Car insurance provided by LV= will give you our maximum discount.
If I claim for windscreen damage, does it affect my NCD?
No, with LV=, who provide our car insurance, windscreen claims don't affect your no claim discount.
For example, if you get a chip in your windscreen and it needs to be repaired or replaced, you'll have to pay an excess - but you won't lose any of your NCD.
Can I protect my 'No-Claims Discount'?
Yes, you can add Protected NCD as an Optional Extra to your policy. That way, if you make a claim on your policy (and LV= can't recover their costs from the person or people who are at fault) your NCD won’t be lost or reduced.
Will pre-existing medical conditions affect my quote?
Having pre-existing medical conditions should not affect your quote, but UK law requires you to report certain conditions to the Driver and Vehicle Licensing Agency (DVLA) and, if they deem you to be unfit for driving, you will be refused cover.
Legally, you must be able to read a car number plate from 20 metres away to be able to drive, so it is advised to schedule regular eye tests to ensure your vision is at its best. You can schedule an eye test at the opticians. It is your responsibility to notify us of any changes to your medical conditions that the DVLA need to be aware of, to ensure you are still covered under an existing policy.
Is Motor Breakdown cover available?
Yes, you can add Motor Breakdown cover as an Optional Extra to your policy. Motor Breakdown is provided by LV= Britannia Rescue.
Is Motor Legal cover available?
Yes, you can take out Motor Legal as an Optional Extra to your policy. Motor Legal cover protects you from the potential costs of legal action (up to £100,000) if you're involved in a car accident.
You can use Motor Legal cover to help you in a number of situations including:
- Taking action against a road user
- Defending yourself against a motoring prosecution
- Recovering any uninsured losses like personal injury compensation
- Loss of earnings or hire car costs while your vehicle is being fixed
What if my vehicle is ‘off road’ during winter or SORN?
If you are not currently using your car, or if you keep it laid up in a garage during the winter months, you can inform the Driver and Vehicle Licensing Agency (DVLA) and obtain a Statutory Off Road Notice (SORN). Vehicles with a SORN are not required to be insured while they remain off the road. It is important to note, however, that you could lose your no-claims bonus if you do not maintain a car insurance policy in your name for more than two years.
What's a Defaqto star rating?
Defaqto are a UK leading independent financial information business, and they have given our Car insurance provided by LV= a 5 Star rating.
Paying for your insurance
How can I pay for my Car Insurance?
You can pay by debit and credit card or by monthly or annual direct debit, provided you meet our affordability checks. If you need to speak about other ways to pay, please contact the team at LV=.
What are the benefits of auto-renewing?
Auto-renewal can offer you peace of mind that your insurance will remain in place when it comes to your renewal.
When you give your consent to auto-renew your policy, LV= will issue your renewal documents, which will include details of your cover and any associated costs and inform you that the policy will auto-renew without any need for you to make contact and confirm.
The consent will remain in force unless you change it, which you can do at any time, or if the policy is cancelled.
Your account and saved quotes
How do I know if I have an account?
You'll automatically have an account if you saved a quote or if you chose to sign up after buying a policy. Visit LV.com/account/login to log in to your account or set up a new one.
How long are my car insurance quotes saved for?
Your saved car insurance quotes are valid until the cover start date. You'll still be able to view them in your account after that point, but you won't be able to buy them. Simply start a new quote if your old one’s no longer valid.
I have forgotten my password for my car insurance quote and cannot retrieve it
When you saved your quote, you should have received an email from LV= with details of your quote and how to access it again. If the email isn't in your inbox, please check your spam or junk folders in case it's in there. If you still can't find it, you can reset your password in My Account by clicking the ‘I’ve forgotten my password’ link.
How we work with LV=
Why have you chosen LV= to provide Age Co Insurance?
Whether you’re in your 50s, 60s, 70s, 80s, 90s or over, we believe LV= is able to deliver great cover for experienced drivers, thanks to their excellent customer service and UK-based call centres.
Understanding our customers and their needs has always informed the products we sell and who we work with to provide them. By choosing LV=, we will be continuing to work with a partner that shares our values and dedication to customers enjoying their later life.
Who is Liverpool Victoria Insurance Company Limited (LV=)?
LV= is a leading insurance business offering a range of general insurance products. They are proud to be one of the UK’s largest personal lines insurers, with more than 6.5 million customers and 4,000 employees. Throughout their 170 year history, they have put people and customers at the heart of everything they do.
Common questions about car insurance for over 60s
In this section, you can find some of the common queries we’re often asked about car insurance for over 60s.
Can I get insured after 60?
Absolutely. Age Co Car Insurance, provided by LV=, has an upper age limit of 110.
Will I get a cheaper car insurance policy for being over 60?
Years of experience will certainly work in your favour and earn you a low-risk status when getting a quote, particularly if you can boast a large period of no claims. However, other factors such as your location, claims history and the type of car you drive will also influence the cost of your policy.
Will my car insurance be affected by my health?
There are certain medical conditions that may affect your driving and therefore your insurance. You must notify the DVLA and your insurance company if there are any changes in your health that may impact your ability to drive safely. To check if a condition needs to be reported, please visit the gov.uk website.
Why choose Age Co Car Insurance for over 60s?
Age Co Car Insurance offers a range of features and Optional Extras that may be more important for drivers over 60. This includes a 24-hour accident helpline and unlimited windscreen repairs that allow you to make claims without affecting your No Claim discount (NCD).
Get in touch with LV=
Join online
Call for free
0800 323 4437
Lines open Monday to Friday: 8am to 8pm, Saturday: 9am to 5pm, Sunday: 10am to 4pm, Bank Holidays: 9am to 5pm. Calls will be recorded.
Get printed information
Request a Brochure
Other products
Home Insurance
Whether you need Buildings Insurance, Contents Insurance or both, we can help keep your property protected.
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Motor Breakdown
Our Motor Breakdown cover provides both doorstep and roadside assistance to keep you on the move.
Find out more
Travel Insurance
Age Co Travel Insurance offers annual and single-trip policies that cover 99% of pre-existing conditions, with no upper age limit.
Find out moreAge Co Car, Home and Motor Breakdown Insurance are provided and underwritten by Liverpool Victoria Insurance Company Limited.LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Financial Services Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria General Insurance Group of companies. Liverpool Victoria Insurance Company Limited, registered in England and Wales number: 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number: 202965. Registered address: 57 Ladymead, Guildford, Surrey, GU1 1DB. Britannia Rescue is a trading style of LV=.
Age Co Travel Insurance is provided by IES Limited, trading as AllClear, which is registered in Gibraltar company number 117274.Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. IES Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis, FCA FRN 824283. IES Limited will contribute to Age Co a percentage of the premium (excluding IPT) from every Age Co Travel Insurance policy sold. Age Co is 100% owned by Age UK and gives its profits to the charity. Age Co Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. Authorised and Regulated by the Financial Conduct Authority firm reference number 311244. AllClear is a registered trademark.
