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Car insurance premiums start to increase when you’re in your 70s.
If you’ve just turned 70, your insurance is likely to still be cheaper than it would be for young drivers, due to your experience and the fact that you probably cover fewer miles each year.
As you get older, however, premiums rise. Insurers base this on fears that older drivers have slower reactions along with the increased likelihood that you suffer from medical problems.
Never choose a 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.
Insurance policies for older drivers 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: covers the cost of emergency travel or accommodation (up to a set limit) if you can’t drive your car following an accident
Message relay service: contacts a friend or relative if you’re involved in an accident
Limited mileage: insurers may lower premiums if you drive relatively few miles each year
If you want to save money try:
paying annually for your cover, because monthly payments usually cost more
driving safely to keep or increase your no claims discount
investigating a multi-car insurance policy if you have more than one car in your household – though it can sometimes work out cheaper to insure your cars individually
not accepting your renewal quote – it’s unlikely to be the cheapest insurance available
Look at as many options as you can – enter your registration number above to compare quotes from a range of leading insurers.
Also, try these 10 ways to cut your car insurance costs to save more money.
Many car insurers offer policies for people over 80 years old. Read our guide to car insurance for the over-80s.
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.
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.
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By comparing car insurance, UK car owners could save money on their policy. The best value car insurance will offer the cover at an affordable price. Choose a cover plan from the best UK car insurance companies and see the online discounts they offer.
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Last updated: 7 May 2022