Over 50 car insurance

Find car insurance quotes in minutes that could offer you cheaper cover if you're 50 or over.

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Over 50 car insurance

Last updated: 29 September 2020

Find car insurance quotes in minutes that could offer you cheaper cover if you're 50 or over.

How to get the cheapest car insurance when you are over 50

When you reach your 50s you will be in one of the cheapest age groups for car insurance, but you should still never accept the first quote you find.

Over 50s car insurance comparison

Comparing quotes is one of the best ways to find the cheapest deal. Find over 50s car insurance quotes by searching for car insurance

Over 50s car insurance cover

Things to bear in mind when looking for car insurance:

  • You could find yourself out of pocket in the future if you do not get the level of cover you need, so do not buy your policy on price alone.

  • For example, if you choose a third party, fire and theft policy you would not be covered for any damage to your car in an accident that was your fault, so you would need to pay for your repairs yourself.

Find out what each level of car insurance covers

Cheap over 50s car insurance

As well as comparing quotes you can do other things to cut the price of your monthly car insurance premium:

Pay upfront

Paying in one go will usually work out cheaper than paying in instalments because most insurers add interest of up to 30% if you pay monthly.

Multi car insurance

You get a discount for covering two or more cars with the same insurer. Here is how multi car insurance works, and you can find quotes here.

Car security

Having alarms and immobilisers fitted can also reduce your premium- but check your car insurance policy first

Pay an increased excess

Paying more of an excess, in addition to your car insurer’s statutory one, can reduce premiums.

Try these 10 ways to cut the cost of your car insurance for more help reducing your premium

Should you pay for extra over 50s car insurance cover?

Customising your policy with extra benefits will increase the cost, but it can improve your cover.

Some of the extras you can add include:

Here are more details on all the car insurance extras that could be worth having.

Think about whether the extra cover is worth the additional cost, or find a car insurance policy that offers these extras as standard.

Which car insurance extras are worth having?

Over 50 car insurance FAQs

It should become cheaper as you get older and more experienced. Having a clean driving licence and a few years no claims bonus can reduce your monthly car insurance premiums. There are many factors that determine the cost of car insurance

Yes, because you will be able to get quotes from specialist over 50s insurers, who could offer cheaper premiums.

Paying annually in one go will usually work out cheaper because if you pay monthly you will be charged interest of up to 30%.

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. Most insurers will not give you the option of protecting your bonus until you have at least three years of no claims history. No claims protection can come to around 10% of your policy's cost, so if your premium is £300 a year, you will need to pay another £30 to protect your no claims. Find out how a no claims bonus can save you money

If you have a fully comprehensive policy you might be covered to drive other people's cars, but some polices do not allow this. If you have a fully comprehensive policy you might be covered to drive other people's cars, but the cover will be third party only. This means you will not be covered if the car you are driving is involved in an accident that was your fault. To get fully comprehensive cover if you are driving someone else's car you may need to take out temporary car insurance. Younger drivers will also need to compare young driver car insurance policies. Find out more about car insurance and driving other cars.

If you are taking out specialist car insurance you might want to compare the extras you get as standard. 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.

Yes, all car insurance policies give you third party cover to drive in Europe. You can usually extend your cover; find out how to add European cover here.

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