Aviva Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive & Multi car84 years20% Online, Multi car & No claims
5 Star car insurance from £191 - 10% of customers (between Oct 13 - Mar 14) paid this for standard cover. Plus summer saver 10% extra web discount, ends 31st August 2014 (does not apply to optional covers).
Direct Line Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive80 yearsUp to 10% Multi car & No claims
10% off when you buy online (introductory discount)
Admiral Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive, Multi car & Blackboxup to UnlimitedUp to 10% Online, Multi car & No claims
Save up to 10% by quoting online! Plus, many other benefits as standard.
John Lewis Insurance Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive99 yearsOnline & 75% No claims
John Lewis Car Insurance is a Which? Recommended Provider June 2013.
LV= Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive110 yearsOnline, Second car & 79.5% No claims
Car Insurance from £169. 10% of new LV= customers paid £169 or less (Feb-Apr’14).
Churchill Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive80 years10% Online, 15% Multi car & 80% No claims
Protect your claim free years from uninsured drivers. Terms and conditions apply. 80% off for 8+ years No Claim Discount, an introductory discount to reward safe drivers.
M&S Bank Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive85 yearsSecond car & No claims
AA Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive & Blackboxup to Unlimitedup to 78.1% No claims
For the third year running, AA Car Insurance has been awarded a 5 star rating from Defaqto. Uninsured Driver Promise – you won't pay an excess or lose your NCD if your car is hit by an uninsured driver, and the accident is not your fault. T&C's apply.
Post Office Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive99 yearsSecond car & No claims
Over 50? At Post Office we've got great deals on Car Insurance. We'll guarantee to save you at least £50 on any like for like quote on your car insurance renewal plus free Keycare for life of the policy.
Saga Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensiveUnlimitedSecond car & 70% No claims
Hastings Direct Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensiveUnlimited60% No claims
We'll compare prices so you don't have to, searching our panel of leading UK car insurers to get you our very best price.
Privilege Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive89 years10% Multi car & 65% No claims
10% multicar discount
eCar Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive90 yearsNo claims
esure Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive80 yearsOnline
esure has been offering MARVELLOUS car insurance for over 10 years. Why not get a quote today to take advantage of our OUTSTANDING car insurance?
Adrian Flux Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & Windscreen-UnlimitedSecond car & No claims
Nationwide Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive110 yearsOnline, Second car & 75% No claims
Courtesy car and cover for up to 180 days in EU countries (excludes 3rd party only policies). Up to 75% no claim discount for 5+ years claim free.
RAC Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive94 yearsNo claims
Cover for less than £145*(that’s what 10% of our customers paid)
Debenhams Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensiveUnlimitedNo claims
90 day European Driving Cover as standard and optional extras available to suit your individual needs - all signs point towards Debenhams Car Insurance.
Sainsbury's Bank Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensiveUnlimitedSecond car & No claims
25% off for Sainsbury's shoppers with a Nectar card. Minumum premiums apply. New customers only.
Sainsbury's provide cover for drivers up to aged 80 online, if you are over 80 please call for a quote.
Allianz Car Insurance
Cover AvailableTypes of Policy AvailableMaximum AgeDiscounts
Courtesy car & WindscreenComprehensive85 yearsSecond car & No claims
Allianz offers comprehensive car insurance from as little as £179* or less

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.

Golden Car

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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