This is a list of car insurance companies that can cover 80 year olds.
You can visit each insurer's website to view policy details and get quotes. How our site works.
Aviva Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive & Multi car
Maximum Age
84 years
Discounts
20% Online, Multi car & No claims
Car insurance from £186 - 10% paid this for standard cover. Save up to 20% online - 30% of customers expected to receive the maximum saving.
Discount depends on individual circumstances and doesn't apply to optional extras. Minimum price applies. T&Cs apply.
Direct Line Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive & Multi car
Maximum Age
80 years
Discounts
Multi car
Churchill Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
80 years
Discounts
Multi car
Free Churchill Breakdown Service (Roadside) provided by Green Flag. Introductory offer only. Underwritten by U K Insurance Limited.
Tesco Bank Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
85 years
Discounts
Second car & No claims
Get covered with Tesco Bank's award winning Car Insurance - voted best Direct Car Insurance Provider 2014 by Your Money and now 5 star Defaqto rated. Tesco Bank Car Insurance is underwritten by a select range of insurers.
Admiral Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive, Multi car & Blackbox
Maximum Age
up to Unlimited
Discounts
Up to 10% Online, Multi car & No claims
Save up to 10% by quoting online. Plus, many other benefits as standard.
Saga Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
Unlimited
Discounts
Second car & No claims
LV= Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
110 years
Discounts
Second car & up to 75% No claims
Using the free LV= Driving app new customers could save up to 15%. Record 200 miles over 10 or more journeys to see how much you could save.
Nationwide Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
110 years
Discounts
Online, Second car & 75% No claims
Nationwide car insurance, provided by Liverpool Victoria Insurance Company Limited (LV=) and can be tailored around you, to cover exactly what you need. Offering high quality insurance at a competitive price, with UK only based call centres.
John Lewis Insurance Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
99 years
Discounts
15% Online & 75% No claims
Save 15% when you buy online. For new customers purchasing online. Discount is automatically applied when you get a quote. See T&Cs.
AA Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
99 years
Discounts
No claims
Free £20 pre-paid fuel card when you buy AA Car Insurance by 31/07/15. Plus 1 year’s free AA roadside cover and member benefits. T&Cs apply
The AA offer car insurance via a panel of insurers.
Debenhams Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
Unlimited
Discounts
No claims
90 day European Driving Cover as standard and optional extras available to suit your individual needs - all signs point towards Debenhams Car Insurance.
Allianz Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
84 years
Discounts
Second car & No claims
Comprehensive car insurance from £212*, UK call centres & no admin fees. 20% of all customers paid £212 or less from 01/01/15 to 31/03/2015. Source: Allianz Insurance plc. The premium will depend on individual circumstances, cover chosen & payment method.
M&S Bank Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
85 years
Discounts
Second car & No claims
Choose premier cover and get EU and UK breakdown cover, motor legal protection and guaranteed replacement car included in the cost.
AXA Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
Unlimited
Discounts
Second car & No claims
One of the world’s largest insurers. Lifetime guarantee on repairs from AXA's approved network for as long as you own the car. T&Cs apply.
Adrian Flux Car Insurance
0800 081 4900
Cover Available
Courtesy car & Windscreen
Types of Policy Available
-
Maximum Age
Unlimited
Discounts
Second car & No claims
Over 40 Years Specialist Insurance Experience, tailored insurance policies featuring £100,000 of free fully insured legal cover
This is an insurance broker.
Swiftcover Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
Unlimited
Discounts
Second car & 63% No claims
With Swiftcover Comprehensive Insurance you get as standard: 24 hour claims line and UK based help teams.
Hastings Direct Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
Unlimited
Discounts
60% No claims
Hastings Direct 5-Star Defaqto rated insurance, voted by the public in 2013 & 2014 as Consumer Moneyfacts Car Insurance Provider of the Year.
esure Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
80 years
Discounts
Online
Car Insurance by esure has a Defaqto 5 Star rating. 51% of customers paid £235 or less for a new policy from esure in Feb 2015.
The premium you pay will depend on individual circumstances, cover chosen & payment method selected.
Privilege Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive
Maximum Age
89 years
Discounts
10% Multi car & 65% No claims
10% multicar discount
RAC Car Insurance
Cover Available
Courtesy car & Windscreen
Types of Policy Available
Comprehensive & Multi car
Maximum Age
94 years
Discounts
10% Multi car & No claims
Cover for less than £154*(that’s what 10% of our customers paid). 10% Multi Car Discount on additional cars.
RAC offer car insurance via a panel of insurers.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

How to find the best car insurance for over 80s

Whether you are 18 or 80 years old, insurance is a legal requirement for getting out and about in your car. Here's what you need to look for to find the best car insurance for over 80 year olds.

When shopping for car insurance over 80 year old drivers can often hope to pay less than younger, newly-qualified car owners; insurers see your years of experience on the road as a lower risk for them.

However, insurance that fits your car and driving style is more important than simply getting the cheapest deal out there. You need to be certain that if you have an accident, you've got sufficient cover in place.

As it's a legal requirement, fail to insure your car and you could face a fine, a court appearance and seizure of your vehicle. It's a necessary expense - and a large one, especially if you're retired and you need to make your income go as far as possible.

It's therefore more important than ever to shop around and compare cheap car insurance for the over 80s. Here's what you should look for:

What's different about driving at 80?

After your 70th birthday, you legally have to renew your driving licence every three years, but it costs nothing to do this; you can reapply online via the GOV.uk website.

There is no requirement for you to retake your driving test, but you do have to inform the DVLA about any medical changes that may affect your driving, such as any heart disorders and problems with vision - a full list of medical conditions you'll need to declare is available on the GOV.uk website.

Keeping down the cost of car insurance over 80 years old

Drive safely

Try to avoid penalty points, as they will make you look like an unsafe driver to insurance companies. Risky driving is also more likely to lead to accidents, which will cost you money in excess and push up your premiums. You MUST declare any driving convictions, etc, to your prospective insurer.

Some cars are cheaper than others

The car you drive will also affect what you pay - vehicles are categorised into groups determined by their engine power, their price, their safety, how much repairs cost and how secure they are. A car in a lower group will cost you less in premiums, as they represent a lower risk to the insurer.

Extra cover

Before you look into paying the lowest premiums possible, you should look at precisely what cover each policy offers. Extra options like breakdown cover, a courtesy car or legal protection could save you money if you can get them as part of your policy, rather than having to purchase them separately.

Keep track of your mileage

If you are on the road less, the risk of an accident is lower, so your insurance will be cheaper. When you let your insurance company know how far you might drive in a year, try to work out a realistic amount - if you state an amount that's more than you'll need, you will end up paying more. Cutting down the amount you actually drive could also reduce your premiums.

Keep your car safe

Security features like alarms, trackers, immobilisers and steering locks will deter thieves, making it less likely that your car will be broken into. This appeals to insurance companies because it makes it less likely you'll make a claim, so can often earn you cheaper premiums. It will also help if you're able to keep your car in a locked garage or on a driveway, rather than out in the road.

Compare over 80 car insurance

To get the best deal you'll need to shop around - insurers rarely reward loyalty, so sticking with the same company long-term won't help. Many providers offer discounts if you apply online, so use our over 80s car insurance comparison to find the best deal. Find a few companies that offer exactly the cover you need, get quotes from them, and go with the cheapest option.

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