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Although car insurance premiums usually decrease as you age, once you hit 80, you may find them beginning to rise again. This is because insurance providers consider drivers over the age of 75 to be more of a risk.
Yet, the truth is that people over 80 are the most experienced drivers on the road, and older drivers tend to take more care, use the road less than younger motorists, and are more likely to avoid driving during busy times.
Being able to carry on driving after the age of 80 can have a major impact on your sense of independence and quality of life. As long as you renew your licence every three years and your GP still thinks you’re okay to drive, there’s no reason why you shouldn’t continue driving after your 80th birthday.
If you’ve developed a medical condition, you’ll need to declare it to the DVLA and your insurance provider. This could mean a rise in your insurance premiums, or even the need to find a specialist insurance provider.
The DVLA website has a list of medical conditions and disabilities that must be declared. Failure to disclose a medical condition that could affect your driving may result in a fine of up to £1,000, or even prosecution if you’re involved in an accident as a result.
You may need to take a course to assess your driving ability. This can be done at a local Mobility Centre, or by taking an RoSPA Experienced Driver Assessment course.
Even if you don’t have a medical condition, it can still be a good idea to get assessed for peace of mind that your driving skills are still up to scratch.
There’s no doubting that it’s more difficult to get a competitive quote if you’re over 80. However, it’s not impossible. If your existing insurance provider has raised their price significantly this year, it could pay to shop around and compare other providers.
Our recent data shows 50% of over 80s could achieve a quote of up to £497 for their car insurance, based on Compare the Market data from 1 January 2019 to 1 April 2019.
These are some other things you could do to help reduce the cost of your premiums:
There’s a whole host of car insurance providers that can cover the ages of 80 and beyond. Our comparison service aims to make your life easier by helping you find the right policy for your age and circumstances.
Comparing car insurance quotes for older drivers is easy and only takes a few minutes. Compare car insurance with us today to find the right level of cover at a cost that suits you.