Compare car insurance for over 50s and you could save up to £145
You're 50, so now you can buy a car insurance policy designed specifically for your age.
Specialist policies cover your age and experience, but fundamentally, car insurance for the over 50s is no different to car insurance for other age groups.
We have specialist over 50s insurance providers on our panel alongside other insurers, so you can compare a range of insurers to find a policy that best suits you.
The most important thing, whether you pick a general policy or, one tailored for over 50s, is that you get the right level of cover for you and your car. We’re here to help with that, and to help you save money on your cover.
"Car insurance policies marketed at the over 50s are typically feature-rich, as extras like breakdown cover are more popular in this age bracket
"Specialist providers may be able to offer these policies at competitive prices, but the same benefits are commonly available in the open market. So, it always pays to shop around, taking the level of protection as well as the price into account"
Gareth Dyer, senior product manager at insurance company iGO4
Over 50s are perceived as low-risk drivers, and less likely to make a claim. There are two main reasons for this:
1) It’s likely you have a wealth of driving experience
2) Over 50s drivers may also have years of claim-free driving built up
Combine that dynamic duo of factors with a spot of shopping around, and you may reduce the cost of your car insurance.
Remember that a car insurance premium is calculated based on your car, its insurance group, your driving history, and a host of other factors, not just your age and number of years on the road.
If you have a high-performance car and some points on your licence, the price of your insurance will rise, this applies to both general policies, and specialist over 50s policies.
Specialist older drivers’ policies will sport features that normal car insurance doesn’t have – such as no upper age limit - but, this will usually come at a higher price.
10,194 car insurance reviews on reviews.co.uk as of February 2019
As long as the DVLA is happy you’re healthy enough to drive, then your health won’t affect your car insurance.
There are some medical conditions you must tell the DVLA about - epilepsy or poor eyesight are just two examples.
If it impacts your driving ability, the DVLA need to know.
Once informed, the DVLA will then be able to determine whether you're fit to drive.
It’s important that you disclose any issues or disabilities you suffer from that are on the DVLA website. It could come back to haunt you if you don’t, and you could end up with a fine of up to £1,000.
Not only this, but your insurance company may refuse to pay out on a claim if you’ve withheld this information.
As you’ve been signed off by the DVLA, telling your insurer about your medical situation should not cause the price of car insurance to rise.
We only need to know these things to get your quotes:
It’s quicker to have the registration number handy if you know it
Are you using the car for socialising, commuting or business?
How many miles do you drive per year?
Like your age, employment status and email address
How long have you been driving for? Declare medical conditions or previous claims.
Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.
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