Older drivers’ insurance

You could save up to £145 - compare car insurance for older drivers[2]

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[1] Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.

[2] 51% of customers aged over 50 could achieve a saving of up to £145

What’s different about car insurance for older drivers?

Your age can have a big effect on your car insurance.

The under 25s will usually pay the most for insurance. Insurers view them as high risk because they have fewer years of experience behind the wheel than older drivers.  

Premiums tend to decrease with age, but there does come a point when older drivers are asked to shell out more.

There are specialist car insurance providers for elderly drivers. Whether you've just turned 50 or you’re approaching 100, shopping around will help you find the right policy and price.

311 licences were held by people aged 100 years old in November 2018, according to the DVLA

How does driving change as you age?

You must reapply for your licence at 70, but there’s no landmark age where you legally must stop driving.

However, medical problems could affect your driving as you get older.

You must be truthful and disclose certain medical conditions, such as visual impairments, heart conditions and strokes, to the DVLA whatever your age - dishonesty could lead to a fine and invalidate your insurance.

  1. Car insurance for over 50s

    There are no major changes for your car insurance or driving licence when you turn 50, except that you might be enjoying lower insurance premiums due to your experience.

    Broadly speaking, car insurance for over 60s doesn’t change either, but you may find your premiums start to creep up as you near 70.

  2. Car insurance for over 70s

    Every driver has to reapply for their licence as soon as they reach the age of 70.

    After that, you’ll need to reapply every three years to prove your capability.

    At each renewal, you’ll have to disclose any medical condition changes. The DVLA can request more information and, in some cases, revoke your licence if it’s no longer safe for you to drive.

    DVLA-reportable medical conditions can mean you get fewer car insurance policies to choose between.

    Insurers may want to talk over the phone rather than quote online, as they need more information before deciding whether to insure you.

  3. Car insurance for over 80s

    Premiums can be quite expensive for the over 80s and medical conditions can make it harder to get quotes online.

    There are also fewer insurers willing to quote at all.

    Out of 345 comprehensive car insurance policies on Defaqto, 120 impose a maximum age limit of 80 or younger - that’s just over a third of them.[3]

    It’s not impossible to find the right policy for you though – shop around and compare prices to get a competitive deal.

Specialist car insurance for elderly drivers

The government and insurers agreed that if a provider refuses to insure you based on your age, it must point you towards another company that can cover you.

It’s likely to be one of the older driver specialists, such as Age UK, Saga and RIAS.

To find the right car insurance for your needs, shop around.

The cheapest policy doesn't always mean it’s right for you. The right policy for you will offer the exact cover and features you need.

“Driving brings freedom and independence to all ages. It's crucial we help people go on driving as long as possible”

Gordon Morris, managing director of Age UK Enterprises

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[1]Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.

[2]Price savings are based on independent research by Consumer Intelligence, conducted between 1 April to 30 April 2019:
51% of consumers could achieve a saving of up to £145.74 with Gocompare.com car insurance based on a comparison of 31 companies

[3]Last checked 20 May 2019

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