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Over 80s car insurance

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Will age count against me?

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.

Frequently asked questions

What if I have a medical condition?

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.

Can I still get a competitive quote?

There’s no doubting that it’s more difficult to get a competitive quote if you’re looking for car insurance for older drivers. 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 the average car insurance premium for over 80s is £510.23^^.

^^Average price amount based on the top-five quotes from Compare the Market data from 1 December 2019 to 1 March 2020. You may find a cheaper or more expensive quote based on your circumstances.

What can I do to reduce the cost of my car insurance?

These are some other things you could do to help reduce the cost of your premiums for over 80 car insurance:

  • keep your mileage low – by keeping your annual mileage as low as possible, you’ll spend less time on the road. For an insurance provider, this means less risk of an accident, and therefore less risk of making a claim
  • keep your vehicle secure – if your vehicle is secure, insurance providers can rest easy that you’re less likely to make a claim due to theft or vandalism. Installing security features such as an industry approved alarm or immobiliser, and keeping your vehicle parked overnight in a safe spot, such as a garage or on the drive, are good ways to deter thieves and could help lower your premium. Make sure you contact your insurance provider to request an alarm discount, as it’s not automatically applied
  • choose the right car – while classic cars might look wonderful, they’re unlikely to attract cheaper premiums. Find out what insurance group your car would fall into (between 1 and 50). As a rule, the lower the number, the cheaper your car insurance for over 80s could be.

Where can I compare over 80s car insurance?

There’s a whole host of car insurance providers that offer car insurance for over 80s. 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.

Why does car insurance cost more for over 80s?

While over 80s drivers tend to have the greatest experience on the road, your age may start seeing your premiums rise again. This is because drivers over 80 are statistically more likely to be involved in a car accident, which leads to insurance providers seeking to cover the increased risk. 

Is there a maximum age for car insurance?

As long as you’re deemed medically fit to drive, there are car insurance providers with no upper age limit for drivers. You may wish to consult with your GP. 

How often do you need to renew driving license?

Once you reach the age of 70, you must renew your driving licence every three years. This is free of charge. 

Will the policy auto renew?

Many insurance providers offer auto-renewal on their policies. This can normally be opted out of, with your provider then contacting you near the time of renewal. Opting out of auto-renewal gives you greater control of your cover, with comparing providers one of the best ways to save money on your car insurance. 

Are prices different for men and women?

While insurance providers used to consider gender when calculating car insurance premiums, it has been illegal in European law since 2012. Men and women now get the same rates, however, there are still many factors. On average, women are still receiving cheaper car insurance quotes. This may be because women tend to drive less powerful cars, as well as driving less on average, which brings premiums down.  

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