Over 50 car insurance

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.