Compare car insurance for over-70s

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

Yes. Many insurers set a maximum age between 70 and 110 years old, but some do offer policies with no maximum age.

Yes. You should let your insurance company know when any of your personal details change because it could affect your cover. When you stop work you may be able to reduce costs by removing any cover you no longer need.

Paying annually is usually cheaper. If you pay monthly, you’ll be charged interest of up to 30% on top of your premium.

Maybe. Paying to protect your bonus could prevent a big ongoing increase in the cost of your cover following a claim. However, it’s the percentage no-claims bonus that’s protected, not the actual premium. You can transfer a no-claims discount, so if an insurer pushes up premiums substantially after a claim shop around for a better deal.

It depends on your policy. If you have fully comprehensive insurance you might be covered to drive other people's cars, but some policies don’t allow you to drive other cars at all. Check first.

Check what comes as standard with your policy before you add extras like breakdown cover. 

How to work out what extras you might need

Your UK driving licence must be renewed at age 70, and then every three years after that (so at 73, 76 and so on).

Renewal is free of charge and is generally simple. You must be able to declare that you are in good health to drive (an adapted car if needed) and that you can read a standard number plate at 20 metres (with glasses or contact lenses if prescribed).

These are standards that apply whatever your age. If you fail to renew or do not declare a known medical condition that could affect your driving, your insurer could invalidate your policy.