If you’re looking for car insurance and you’re over 80, you may have found it tricky to get a competitive quote. Maybe you’ve had trouble finding a decent quote online, or maybe your existing insurer has raised their price significantly this year, Perhaps you've re-taken your test and are now ready to renew, it’s time for a change.
If you’re looking for over 80s car insurance, there are many things you can do to reduce the cost of your premiums:
1) Low mileage. Low mileage means less time on the road, which means less risk of an accident and therefore less risk of making a claim. Music to the ears of an insurer.
2) Get secure. If your vehicle is secure, insurers can rest easy that you’re less likely to make a claim due to theft or vandalism. Installing security features like an alarm, and keeping your vehicle parked in a safe spot such as on the drive or in a garage are good ways to make sure your car isn’t an easy target for thieves. And that can help drive down your premium. Make sure you contact your insurer directly to request an alarm discount as it is not automatically applied.
3) Choose the right car. While classic cars might look wonderful, they’re unlikely to attract cheaper premiums from insurers. Find out what insurance group your car would fall into (between 1 and 50). As a rule, the lower the number the cheaper your over 80s insurance will be.
There are a whole host of car insurance companies that can cover the ages of 80 and beyond: Aviva, Direct Line, LV, Admiral, John Lewis, Saga, Churchill, Nationwide, M&S and Sainsbury’s Bank are all a good bet. If it feels confusing, don’t worry, we have can help. By comparing car insurance today you can make sure that you’re getting the right level of cover for you at a cost that suits you.