Over-80s car insurance

While premiums usually decrease as you get older, car insurance for over 80s can be more expensive than if you're in your 60s or 70s.

One factor that could help explain this gradual increase in premiums is that health issues become more common later in life and can affect driving ability.

Motorists over 70 are also more at risk of being involved in collisions than younger drivers, according to the Department for Transport, and that risk increases with age.

Because of this, insurance providers may see over 80s as higher risk, leading to higher premiums.

No, you don’t have to go with a specialist policy if you’re over 80. However, mainstream providers may have more restrictive terms for older drivers.

Specialist car insurance policies may also offer benefits specifically designed for older drivers, such as:

• No upper age limit

• Medical cover

• Onward travel to your destination (if your car is too damaged to drive following an accident)

• A fixed-price guarantee

• Misfuelling cover.

It’s a good idea to compare both mainstream and specialist providers, to see if you can find the cover you need at a price that suits you.

You don't need any additional documents to get over-80s car insurance. However, you’ll need to renew your driving licence every three years once you hit 70.

You can do this online. It’s free of charge and you don’t have to take another driving test.

If you have a medical condition, you may need to declare it to the DVLA and your insurance provider. It could also mean your insurance premiums increase or that you need to find a specialist insurance provider.

The DVLA can issue a restricted period licence lasting for up to five years. Here's how a restricted period licence could affect your premium:

Medical conditions you need to declare include diabetes, a stroke and some heart conditions. Check the government’s website for guidance on medical conditions and disabilities you need to declare.

When you book in for an assessment at a driving mobility centre, they’ll assess your:

• Ability to operate car controls

• Thinking skills and cognitive health

• Eyesight.

Trained professionals will make an on-road assessment of your driving ability in a dual-controlled car. They’ll also see if you could benefit from car adaptations.

You’ll also have to do some paper-based tests that measure your mental, memory and attention skills.

You should allow approximately three hours for the assessment. The driving segment lasts about 50 minutes.