Age UK Home Insurance
Compare Age UK Home Insurance With UK Market
- Pay monthly at no extra cost (0% APR Representative)
- No hidden admin fees
- Low standard excess of just £45‡
- ‘New for Old’ cover
- Choice of buildings or contents insurance or both
- Buildings insurance for up to £500,000†
- Contents insurance for up to £60,000
- Award-winning service^
- Home insurance designed for the needs of over 50s
What’s not covered
- Buildings Insurance – Loss or damage caused by weight of snow. Loss or damage to gates and fences caused by storm or flood.
- Contents Insurance – 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.
- General policy exclusions applicable to all sections and optional extras – Property more specifically covered by another policy of insurance. Any criminal or deliberate act by you or your family. Loss or damage caused by wear and tear, loss of value or lack of maintenance.
- A personal claims manager if you need to move out of your home due to a claim
- Worldwide protection for your credit cards, debit cards and cash up to £500
- Cover for underground pipes comes as standard, so any accidental damage to those you are responsible for between your property and the mains is taken care of
- No need to specify single items worth less than £2,500 such as jewelry and paintings kept within the home
What’s not covered
- Home cover does not include loss or damage to valuables, personal belongings and pedal cycles when away from the home (available with Saga additional cover options – Personal Belongings Cover and Specified Pedal Cycles Outside the Home Cover).
- Home cover does not include loss or damage to contents in student accommodation.
- Certain loss or damage when your home is lent, shared, let or sub-let.
Age UK Home Insurance
Age UK Home Insurance is designed for the 50s. If you fall in this age bracket, you may find certain discounts apply, which could help reduce the cost of your policy.
Buildings and Contents insurance can cover you against a multitude of unexpected events which can leave you with high costs in repairs or the replacements of items.
Home insurance typically covers you against:
- Weather damage
- Theft or attempted break-in
- Riots and malicious damage
- Falling trees or branches
- Water or oil leaks
- Collisions by any vehicle
Your buildings cover will take care of the structure of your buildings, the walls and floors as well as any permanent fixtures, whereas contents cover will take care of your actual belongings.
Age UK Home Insurance Review
Some of the advantages of choosing Age UK, include:
- Identity theft helpline service
- 24 hour legal helpline
- Optional voluntary excess which can reduce your insurance premium
Features of Age UK Home Insurance
Age UK offer both contents and buildings insurance separately.
- Buildings are covered up to £500,000 rebuilding costs and covers: fixtures, fittings, paths, drives, patios, garages, outbuildings, and garden walls
- Your contents are covered up to £60,000 but additional contents cover is available up to £100,000 if you need a higher level of coverage
- Your contents cover included: household goods, valuables, money, and credit cards
- Rent and alternative accommodation covered
- Replacement of external locks and missing keys
- Add accidental damage cover for buildings and contents for an additional cost
Age UK offer a number of additional extras if you need a higher level of coverage.
- Accidental Damage to Buildings and Contents
- Personal legal Protection Cover up to £100,000
See the Age UK website for additional options plus more details.
What is an Excess?
An excess is the sum you have to pay when you claim on your insurance. Normally, the cheaper the insurance the higher the excess or more restrictions are applied when it comes to claiming. Age UK require you to pay an excess when you make a claim, but they also offer the option of paying a voluntary excess which can help you to lower your insurance premium.
Generally, there are two kinds of excess: a compulsory excess and a voluntary excess. Compulsory means that your insurer will set the price and you must pay it whereas voluntary excess is set by you.
Remember to set your voluntary excess carefully. If you’re willing to contribute a large amount towards a claim, your insurer will reward you with a lower premium, but this could make claiming on your policy more expensive.
Home Insurance Providers
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- Age UK Home Insurance
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