Although your cover will still be cheaper than young drivers, car insurance premiums do start to increase when you are in your seventies.

To get the best deal and beat increasing prices never accept your renewal quote, because it is unlikely to be the cheapest available.

To find cheaper cover use our table to get a range of quotes from different insurers so you can compare policies and prices to find the best deal.

Get the right cover for the right price

You should never choose your car insurance policy on price alone.

Make sure the policy you buy provides all the cover you need, because the wrong level of protection could cost you more in the long run.

Look at policies designed for older drivers as they can offer extra benefits like:

  • Emergency any driver cover: This means someone else can take over driving and take your car home in the event of a medical emergency

  • Get you home service: If you cannot drive your car following an accident this will cover the cost of emergency travel or accommodation up to a set limit

  • Message relay service: This will contact a friend or relative if you are involved in an accident

Tips on paying less

If you want to pay as little as possible for your cover you could try:

For more tips, try these 10 ways to cut your car insurance costs.

Over 70s car insurance FAQs

Q

Why can car insurance cost more now I am over 70?

A

Statistics show that drivers over 70 are more likely to be involved in a crash and suffer serious injury, so insurers charge more to cover the increased risk.

Q

Is there a maximum age for car insurance?

A

Yes, many insurers will set a maximum age on their policies, from between 70 and 110 years old. Some insurers do offer policies with no maximum age.

Q

Do I have to inform my insurer when I retire?

A

Yes, you should let your insurance company know when any of your personal details change because it could affect your cover, this guide explains how.

Q

Is it cheaper to pay annually or monthly?

A

Paying annually is usually cheaper because if you pay monthly you will be charged interest of up to 30%.

Q

Should I protect my no claims bonus?

A

It could be worth paying to protect your bonus because losing it by making a claim could mean a huge increase in the cost of your cover when you renew.

Q

Will I be insured to drive other cars?

A

If you have a fully comprehensive policy you might be covered to drive other people's cars, but some polices do not allow this.

Q

Do I need added extras?

A

Check what comes as standard with your policy before you add extras like breakdown cover. Here is how to work out which extras you might need.